MOUNTAIN LIVING CHECKLIST
UNDERSTANDING YOUR CREDIT SCORE
HOW TO IMPROVE YOUR CREDIT SCORE
Good Funds . . . What forms are
accepted to close?
Knowledge and experience are the keys to a successful real estate
transaction. HomeSmart agents have all of the tools necessary to help make your
home-buying process easier and more understandable. Our goal at HomeSmart is to
provide you with the most informative and professional services available, so we
have included an overview of what you can expect throughout the home-buying
You have already made the smart move by choosing a HomeSmart agent to assist you
with the process of purchasing a property. Your next step is to speak with a
lender and complete a loan application. This will allow the lender to issue a
pre-approval letter, which must be submitted with all offers to purchase.
Most transactions require financing to assist in the purchase. A lender can be a
mortgage company, a bank, private financing, as well as other options. Whichever
you choose, the lender plays an extremely significant role in the transaction.
You will be asked to complete an application, provide documentation and verify
your income. You may also be asked to give permission for your credit score to
be checked and for your assets to be verified. There are numerous steps to take
to secure financing, and your cooperation with the lender is a key ingredient to
experiencing an on-time, relatively stress-free closing!
Choosing the Right Home
The choice is yours
A home is more than just a collection of rooms and walls. A home is where you
live, raise your family, entertain friends and relax after a hard day’s work.
Since so much of your life is spent in your home, choosing the right one for you
is an enormous decision.
It is important to consider your priorities and the list of features you are
looking for in a home. Your HomeSmart agent will help you define your search
parameters and target the ideal properties for you to consider.
Some things you should consider while creating your list include price,
location, and your future needs. Everyone is different, and some of us may trade
four bedrooms for a big kitchen! A larger backyard may make up for a longer
commute to the office, the number of bathrooms may be more important to a
growing family, or a single story home might be necessary for someone who has
difficulty climbing stairs.
With over six million new and existing homes sold each year in the United
States, the options can be staggering. Your HomeSmart agent will help you narrow
down the choices and find the property that best suits your needs.
It may be the very first home you look at or the very last one; in either case,
we will help you find the place you can call home!
Professional home inspection
In general, buyers are entitled to conduct a series of inspections on the
property they are about to purchase. After your offer has been accepted, your
HomeSmart agent will assist you in hiring a professional home inspector to
conduct an inspection of the property. At HomeSmart, we recommend you choose a
home inspector that is certified by a trade association.
Some of the items typically investigated during an inspection are appliances,
plumbing, A/C, heating, electrical, structure, foundation, roof, and attic. If
any of the previous are areas of concern, you can ask your inspector to address
concerns regarding indoor air quality, expansive soil conditions, previous fire
or flood, pests, and mold. If you are obtaining a loan, your lender may require
specific inspections, such as an inspection to certify that the home is free of
It is around this time you can expect to be provided with a Property Disclosure
Statement from the seller, which contains all information related to the sale of
the property. Your HomeSmart agent will ask you to read through it carefully and
ask any questions you might have during your inspection period.
Additional inspections you may want to consider are a survey to determine where
property lines are located and a claims report, which gives buyers the past
insurance claim history on the property (a factor which can affect the cost of
your homeowner's insurance).
In addition to formal inspections, buyers should consider other methods of
obtaining information about the property. For example, talk to your potential
neighbors and drive around the neighborhood during different times of the day.
While touring the neighborhood, consider things such as proximity to freeways,
airports, and schools.
Your HomeSmart agent can also provide you with resources for obtaining
information on crime statistics, city planning and zoning, school information
and environmental concerns which may affect your decision to purchase.
Get the guidance you need
You have probably gone through quite a bit of searching and preparation in
trying to find the home you wish to purchase. Your HomeSmart agent has been
there for you, showed you properties based on your initial list of desirable
features and helped narrow down your options. At this point, you will have found
the home you want and will be commencing the process of making an offer on the
There are a number of factors that will affect your decision on what to offer on
the property. Market conditions are always a factor. For instance, if it is a
“buyer’s market,” you will have more negotiating room for the property. In a
“seller’s market,” you may want to place your best offer upfront in order to be
the one chosen by the seller.
The values of the properties around the one you want are also factors that
should be considered. These figures are typically called the “comps” or
“comparables.” Your agent will show you all of the properties on a list that
have closed or are for sale in the vicinity of the property you are making an
offer on. These comps must be analyzed and a realistic value for the property
can be established. There will be an appraisal on the property after you open
escrow, and often what you are willing to pay for a property and what an
appraiser determines as its value are two different numbers!
You will also want to establish the close of escrow date, or date you will
actually become the owner, before writing an offer. If you are obtaining a loan,
a lender will generally need about 30 days to complete your loan, order and
evaluate the appraisal and furnish the closing documents. If you have been
pre-approved, this time frame may shorten. You will want to give yourself ample
time to conduct any inspections on the property prior to your closing date.
There are other terms to be considered when placing an offer that may affect
whether or not the seller is willing to accept the offer or whether you are
willing to accept the seller’s terms. Some of the factors to consider are if a
pre- or post-possession of the property has been requested, if a home warranty
will be included and, as stated previously, what market conditions currently
At HomeSmart, we want you to enter into an agreement equipped with as much
information as possible. Our commitment to providing you with superior customer
service is demonstrated by our training and support programs, which are designed
to assist your agent and in turn help you be the most informed buyer you can be.
An offer to purchase property is a legally binding document that should be
explained to you in detail as you are filling it out with your agent. You should
always feel free to consult an attorney or tax advisor to obtain further
information you deem necessary. We want you to be prepared but also enjoy this
exciting experience. Anything we can do to help, just ask!
Real Estate is Linda's passion. Linda's clients appreciate her devotion
and commitment to their wants and needs. Her outgoing personality and
efficient professional work ethic put them at ease. Moreover, her follow
through assures a successful outcome. Whether it's a profitable sale or a
favorable purchase, as always and at all times Linda's focus is on you.
Linda’s first priority is your best interest. From first contact through
last transaction, she stays on task with expertise, knowledge, integrity and
thorough communication with her clients. Her focus is always on your priorities
and your success.
Linda is the area expert. She is a Colorado native; raised in the
Denver Metro area and currently resides in the Front Range mountain community. Linda has learned all the area’s micro-climates. She
knows all the pros and cons of each neighborhood. Linda can help you find the
perfect home for you and your family.
Linda Pinkul is an agent that:
* Is experienced in selling homes and land with large acreage, horse
property, luxury homes, cabins, vacation homes, vacant land developments, working with first
time buyers and sellers, distressed sales, retirees, relocation buyers, new home
construction, patio homes, water property and log homes. Linda works on your
schedule and hones in on your specific requirements.
* HomeSmart Realty 2021
* With Coldwell Banker from 2005 - 2020 and among Coldwell Banker top producer realtors and a recipient
of the International President's Circle, International Diamond and Sterling
Societies and among the Top Producing mountain realtors in the Denver Foothills.
* Listens and understands your wants and needs.
* Is honest, trustworthy and looks after your interests.
* Is energetic, hard working, professional and educated.
* Is a full time real estate agent affiliated with a reputable company.
* Uses the latest technology and has a willingness to try new ideas and
* Is knowledgeable on financing and market trends.
* Communicates well and stays in touch with you.
* Has a track record of successful sales and happy clients.
* Is willing to customize a marketing and showing plan to your
* Works with Buyers and Sellers
* Specializing in the Foothills and West Denver Communities
26 Reasons to Hire a Realtor