Owning a home is a dream of almost everyone. However some people simply can’t afford to buy. You should first prepare an estimate and find out how much you can actually afford to buy a home.

Once you have estimated your affordable amount, then it becomes easier for you to search for a home that suits your budget and other requirements. A pre qualification also indicates your credit worthiness. With this pre qualification you can boldly negotiate with your seller. On the other hand the seller will understand that you are a genuine buyer and therefore will offer you his best price.

What are the things you should do to pre qualify to buy a home? First you should calculate your regular monthly expenses such as mortgage or rent, bills, education expenses, gas, groceries and maintenance expenses accurately. You should also include the expenses such as auto insurance, medical insurance and property taxes. Then you should calculate your actual monthly income exactly. You may include your part time income and interest from your investments as well. We do provide some some helpful mortgage calculators that help you quickly determine how much house you can really afford.

Now you know how much you can pay as your monthly installment. You can easily obtain your mortgage with your pre qualification in hand. You can buy a home with out much stress and difficulties. Moreover you won’t have any stress even after you buy the home and start paying your monthly payments. As always Sam Wilson is available to help guide you through that financial maze. You can contact him directly at (303)526-2606 or email san (at) samwilsongroup.com.

Several factors have come together to make now the perfect time to invest in real estate. If you are looking for real estate then not only is now an amazing time to buy but more importantly now is an amazing time for Denver real estate.

Why Now is a Great Time to Buy a Denver Home

The factors making this a great time to buy include suppressed home prices, government incentives, and super low interest rates. If you are looking at prices in just about any major US market you will see that now they are significantly lower then they had been just 2 years ago. Denver is no exception and you can get amazing Denver Real Estate for absolutely phenomenal prices.

The dream home that may have been out of reach 2 years ago is now potentially affordable for you. In addition, the government is trying to jumpstart the housing market and in doing so they are offering tremendous incentives. In particular, if you are a first time homebuyer you will find tremendous tax credits to help you with your new home purchase.

Affordable Mortgage Rates

Finally, with historically low interest rates you will find that you can get a very affordable monthly payment. Best of all these rates are on fixed rate mortgages so you do not need to worry about your costs going up down the road.

If you’re thinking about selling, you’ll really want to know what your home is worth before you start the process.

I’ll prepare a price opinion and comparable market analysis for you. These will give you a precise idea of what your home is worth relative to what has sold recently in your neighborhood over the past 3 to 6 months, as well as relative to the active competition. This is very important these days because you want to make sure you are priced accordingly as well as realistically to what the neighbors are trying to sell their home for.

I’ll prepare a detailed report that is computerized and uses software very similar to what an appraiser uses. It includes adjustments for the features of your home as they relate to other homes that have sold recently.

I will also provide you with a tour of the other active comparable properties in your neighborhood. So you can physically see them and see how they compare to your home before you list your home on the market. That’s really important, because buyers are going to see all of those homes as well. So you really want to have a good idea of how you compare to those homes and how we can position your home correctly to make sure you’re the one that gets the offer.

Wouldn’t you want to know what your bottom line looks like before you put your home on the market, and before you get an offer and before you negotiate the final price and terms? I’ll provide you with that as well. I use a simple Excel spreadsheet to show you every single cost that’s invovled in the sale of your home. You will know exactly what your proceeds will look like when you walk away from the closing table. Not only will I give you that up front but I’ll also prepare it for you when we get offers and during negotiations.

So if that’s something you’re looking for you can visit me any time on my website, www.homesam.com and click on what’s your home worth, or you can call me directly 303-526-2606 or just send me an email sam (at) homesam.com.