Real Estate Zealot

Sellers Guarantee

Metro Broker Will Hamm has the experience to help you sell or buy a home. Aspen Lane Real Estate guarantees their services. So call Will at (303) 358-1147 or his business partner Belinda Spillman at (303) 884-2026.

Interviewer: Today in the studio we have Will Hamm with Aspen Lane Real Estate, Will thanks for joining me.

Will Hamm: Hi, thanks for having me on.

Interviewer: So tell me a little bit about your business?

Will Hamm: Well I've been in business since 1996 in the Denver area and I work with a business partner her name is Belinda Spillman with Aspen Lane Real Estate.

Interviewer: Great. And you pride yourself on your communication skills, correct, tell me about that?

Will Hamm: Well I leaned a long time ago that people, they want to know what's going on with their house, say if whether its being sold you know what's going on, so because of that every Monday I make it a point to call all my clients tell them the good, the bad, the ugly what happened the last seven days and what we're doing the next seven days to get the house sold, because you know so many they're in the dark and they're really concerned.

Interviewer: Yeah I'm sure they really appreciate that, so you offer a guarantee to your sellers, is that correct?

Will Hamm: Well I learned a long time ago being in the restaurant business with my parents, that my dad always said to go ahead and give the people what they want and then give them a little bit more. And if you don't give them that, if they are not happy, then give them their money back. So because of that experience, we do the same thing, we promise that we will do certain items and if we do not do it tell us what it is, give us 24 hours to correct the situation and if not we'll let them out of the contract.

Interviewer: Tell me a little bit about your areas of expertise.

Will Hamm: Well, my expertise comes down to being in the business so long. We have learned a lot of experience, taken a lot of seminars and I always say you learn from the best, so we take a lot of seminars from some of the best educators out there and because of that you know it gives us a little bit different marketing program than what the other agents have.

Interviewer: Great. And how can clients reach you?

Will Hamm: They can reach us at, me at (303) 358-1147 or they can call my business partner Belinda Spillman at (303) 884-2026. Or visit our website online at Aspen Lane Real Estate.

Interviewer: Wonderful. Well thank you so much for joining me today, it was great talking to you.

Interviewer: For more real estate related videos, please go online to MetroBrokersTV.com.

Experience you can Trust

Metro Broker Pam Adams has over 20 years of Real Estate experience in Colorado and can help any buyer or seller find just the right home. Call Pam at Adams Company - 303-898-3598 or visit PamAdamsHomes.com.

Kathy Soltero: Hi, I'm Kathy Soltero with metrobrokerstv.com, and today we are in the studio with Pam Adams, with Adams Company, Pam thank you so much for joining us today.

Pam Adams: Thank you for having me.

Kathy Soltero: You joined Metro Brokers back in 1989, after working for two large brokerage firms, why did you make the switch?

Pam Adams: Well I gained years of experience and had excellent training in those brokerage firms, but as an independent broker, I can, I make my own decisions, and that means I'm committed to my clients, in terms of offering them a specific marketing approach, and also a specific structure for the commissions that meet their needs.

Kathy Soltero: So as an independent brokerage firm, what would you say are the advantages for a realtor?

Pam Adams: Well I make my own decisions, and I'm not just a, I'm known as Pam Adams, Adams Company, not just a generic broker in a company.

Kathy Soltero: Right, do you think that made that big of a difference when you had the structure of a larger company versus being independent as yourself?

Pam Adams: Being independent makes a big difference, because being an independent, my name and my reputation is everything, and I'm committed to my clients, and to giving them the best customer service I possibly can, and making your own decisions, making your own business plan makes a big difference in that respect.

Kathy Soltero: How do you think that change has affected your clients?

Pam Adams: They know that I am the one that makes the decisions with them, I don't have to go back and ask a broker or you know ask for permission to do unique things in our marketing, or in the commission structure I offer them. So it makes a big difference because they know they are dealing directly with me, when I give them an answer, that's the answer to their situation, and our solution to selling or buying their home.

Kathy Soltero: Now you worked out of a very large Metro Brokers office...

Pam Adams: I did.

Kathy Soltero: Tell me about that.

Pam Adams: It's great, we have at least 110 brokers that work in that office.

Kathy Soltero: All independent?

Pam Adams: All independent Metro Brokers, it's a Metro Brokers Marina Square, we are all independent, we offer live telephone answering, seven days a week, 9 AM to 5 PM, so we don't have any answering services, and it's a good source of feedback for us as brokers, to be able to communicate with each other, and new ideas, new training, and be up on the latest in terms of our industry.

Kathy Soltero: How long have you been selling real estate?

Pam Adams: A long time.

Kathy Soltero: Seen a lot, right.

Pam Adams: I moved to Colorado about 25 years ago, we moved here with my father-in-law, our dog, and came to Colorado just because we wanted to, we had vacationed here like so many people do, and so I've been here 25-26 years, I've developed an awful lot of resources for my business and for my customers, so they get that advantage, if they experience.

Kathy Soltero: That's awesome. Tell us how a customer, somebody who wants to buy or sell a home can contact you?

Pam Adams: The best number really is my cell, I have it with me all the time directly, 303-898-3598, or they can reach me through my web site, at pamadamshomes.com.

Kathy Soltero: Pam, thank you so much for coming in and sharing that information with us today.

Pam Adams: Thank you for asking me Kathy, it was great.

Kathy Soltero: And for more real estate related videos like this one, be sure to tune in to metrobrokerstv.com.

FHA 203 (k) Renovation Loans for Fix-Up Properties

In this video from BrokerIPTV.com, renovation loan specialist Tom Yoswa from MyProspectMortgage.com discusses FHA 203 (k) loans, which can assist buyers with fix-up properties.

Interviewer: Today we are talking with Tom Yoswa. He is a renovation loan specialist. How are you?

Tom Yoswa: Hi Dan. I am doing well.

Interviewer: Well we talked in a segment about what a residential loan or renovation loan specialist does, can you explain it again?

Tom Yoswa: Well, basically, I loan people money to purchase and renovate a house. You know, what I find in the market that we are in right now, there is a lot of bank foreclosures, there is a lot of HUD properties, those properties in particular, you know, a lot of them, if you show me one that doesn't need work I will show you 10 of them that probably do. So basically it enables you to take those homes, buy them and fix them all with one loan and one close.

Interviewer: And most realtors and consumers would probably know this is an FHA 203(k) loan, is that right?

Tom Yoswa: Yes.

Interviewer: Okay, yeah.

Tom Yoswa: It's basically nothing more than a regular FHA loan with the same FHA guidelines. However, there is a construction element to it and we put the money into Escrow afterwards for the repairs.

Interviewer: And traditionally what type of buyers are using this loan and what's that price point?

Tom Yoswa: Well I mean in this market right now there is a lot of first time home buyers. You know I think there are some statistics out there say you know almost 50% of all home buyers right now are first timers, which makes sense because of the market and the interest rates, etcetera. So you know, when I look at first time home buyers most of them are not buying you know $300,000 houses, they are buying $150,000 houses and you know, the large majority of those homes need some sort of work.

Interviewer: Right.

Tom Yoswa: Carpet, kitchens, bathrooms, new roofs, etcetera.

Interviewer: So a $100,000 will say what 220, 225 is pretty much the pool you are swimming in?

Tom Yoswa: I would say for the most part I mean there are other, you know, it can go higher, it can go lower, it just really depends on who the buyer is and what they are looking at.

Interviewer: And what type of repairs can they make under this program?

Tom Yoswa: Dan, you can do just about anything, you know carpet, paint, kitchens, bathrooms are usually the typical ones. People don't know you can put appliances into the loans, if it has a furnace or any of the HVAC stuff that isn't functioning, you can do that.

Interviewer: Hot water heating?

Tom Yoswa: All that stuff,...

Interviewer: Roofs?

Tom Yoswa: Roofs, you can do it, obviously anything exterior, landscaping in some situations, etcetera.

Interviewer: All right, a couple the obstacles that prevent people from buying a house. One is usually down payment, how much money do they have to put down with this loan?

Tom Yoswa: Well I mean, there is again, options there, too. I do conventional as well as FHA, it's the same guidelines as FHA and conventional. So with the 203(k) loan, it's, you know, as little as three and a half percent down.

Interviewer: Okay.

Tom Yoswa: So you know whatever the purchase plus the renovation is combined, it's three and a half per cent off of that, but there are other programs, HUD has a $100 down program if it still exists, I think it does.

Interviewer: Yeah.

Tom Yoswa: And you can use that in certain situations, so it really depends but it's as little as three and a half percent down.

Interviewer: So one of the questions I know I have been asked by buyers is can you combine the programs? I want to do the $100 down HUD program, but I need the construction financing. Can you do it?

Tom Yoswa: I have done it, just so long as it's a full-price offer.

Interviewer: Oh, it's got to be full-price offer?

Tom Yoswa: It's got to be a full-price offer. So if HUD's asking 160, you bid 156, no-go. If you bid, if it's 160, you bid 160, then yes, and then again, I am not 100% sure. I believe the program is still there.

Interviewer: It sounds good. Tom, thanks I appreciate it.

Tom Yoswa: Thank you very much, Dan.

You can reach Tom Yoswa at 303-668-4499 and at MyProspectMortgage.com online.

Renovation Loan Specialist Tom Yoswa

Tom Yoswa is a renovation loan specialist at My Prospect Mortgage. He talks about how to obtain these loans in this BrokerIPTV.com video.

Interviewer: Today we are talking with Tom Yoswa. He is a renovation loan specialist. Tell me about how do you get a renovation loan and what is it exactly?

Tom Yoswa: Well basically it's like any other loan that you are going to qualify for, the difference being is that we are going to loan you the money to purchase and renovate a house and we are going to do it all with one loan and one close.

Interviewer: Okay, so there is not a loan to buy the house and then another loan to go get some money to improve it?

Tom Yoswa: No.

Interviewer: It's all lumped in one?

Tom Yoswa: It's all put into one loan.

Interviewer: And who is it offered by?

Tom Yoswa: Well there is, there is probably several lenders that do it, but there are very few that really specialize in it.

Interviewer: And it's primarily done through FHA, correct?

Tom Yoswa: FHA... there is a conventional product but right now probably 80% of my loans are FHA.

Interviewer: And it's called the 203(k) loan through FHA, right?

Tom Yoswa: 203(k) loan, yep.

Interviewer: And explain how that works?

Tom Yoswa: Well basically you know, you have someone that wants to buy a house, maybe it's a bank foreclosure or something like that, where they might need a new kitchen new flooring, new roof, new windows, it can be just about anything, and what we are going to do is basically loan them the money to purchase, you know, they get it under contract and then there is an Escrow that we set up post-close from which they draw from to do the fix-ups in the house.

Interviewer: And how do you determine how much they get to use to fix it up?

Tom Yoswa: Well a lot of times it just depends on, you know, what the issues are with the house lot of things we have an inspection that's done. The Home Inspector might go in and have a whole laundry list of things that need to be done, other times they might just have two or three things and it's a simple one, so really it just kind of depends on the house.

Interviewer: So do you know, going in ahead of time before you give the loan, how much work of repair needs to be done?

Tom Yoswa: Yes, yes, that's the key is there before we close the loan we have a work with Escrow or a bid from a contractor and then we close the loan based on that bid and my appraisal is done with that bid in mind, subject to the repairs that are being made.

Interviewer: And then after they close, do they have to use that contractor?

Tom Yoswa: Pretty much. I mean, many times we have already got somebody in line, but you know there are people who want to change after the fact but typically they use the same contractor.

Interviewer: Right now after the close deals you just hand the customer a check, how do they get the money?

Tom Yoswa: No and that's not necessarily how it works I mean to kind of protect the customer against their contractor we put their money into an Escrow account.

Interviewer: Right.

Tom Yoswa: And then they draw money out of the Escrow account for the repair. So, that lot of times there is an Inspector involved and things like that.

Interviewer: So if I am reading you correctly, let's say some repairs were done, the contractor submits the bill to the bank, who is holding the Escrow account.

Tom Yoswa: Yeah.

Interviewer: The bank then cuts the check to the contractor for the repairs you did?

Tom Yoswa: More or less, yeah there is a draw process and there is photos that have to be taken, you know things have changed a little bit over the last few years so...

Interviewer: More work?

Tom Yoswa: Yeah, so you know it's a little bit more intensive than just that but you know there are forms, they fill it in, they get their money within 72 hours.

Interviewer: What benefit is this to realtors?

Tom Yoswa: Well I mean the realtors you know, it's a whole different animal for them because it's another notch in their belt I would like to say. It's a product that lot of them don't know about. So if you are a realtor and you have got a listing that is in need of repair and you know it's in need of repair, maybe it was a house and it hasn't been, you know, it's cosmetically challenged, hasn't been touched in 30 years.

Interviewer: Yeah.

Tom Yoswa: It's a way to maybe you know put it into their listing or into the MLS. In other ways it's beneficial because the customers that they are working with, they know about this loan and if they find a house that needs repair then they have, they know about the loan and you know we go from there.

Interviewer: So instead of a buyer walking in and walking out after they see the place, they go, whoa, wait there is money that can be set aside to fix this in your loan?

Tom Yoswa: That's exactly what I do and it's exactly the way that I present it to realtors.

Interviewer: Tom, thanks, great information. I appreciate it.

Tom Yoswa: Thanks, Dan.

You can reach Tom at 303-668-4499 and at MyProspectMortgage.com online.

Moving Ahead without the Tax Credit Incentives

Alison Brennan talks to us about how the tax credit effects home buying, as well as how the extensions affect sellers and buyers alike.  She also discusses opportunity that still exist and how to be creative without the government’s help.

 

 

METRO BROKERS INC. PROUDLY ANNOUNCES PARTNERSHIP WITH COLORADO EAGLES HOCKY TEAM

Contact: Courtney Lis Voca

PR 970.581.6231

Courtney@vocapr.com

 

METRO BROKERS INC. PROUDLY ANNOUNCES PARTNERSHIP WITH COLORADO EAGLES HOCKY TEAM

Relationship will facilitate Metro Brokers expansion and commitment to Northern Colorado

(Loveland, Colo.) - July X, 2010 – Metro Brokers, Inc. www.metrobrokersonline.com is proud to announce a joint partnership with the Colorado Eagles, Northern Colorado’s beloved hockey team based in Loveland, CO. Metro Brokers will be involved in a variety of marketing and sponsorship opportunities during the upcoming 2010/2011 hockey season at the Budweiser Events Center. Metro Brokers is dedicated to growing its membership and client base in and around Fort Collins and this relationship will help foster brand awareness for the growing real estate company in Northern Colorado.

“The Colorado Eagles have established an amazing fan base in Northern Colorado,” said Bob Luna, president, Metro Brokers, Inc. “This is a perfect venue for Metro Brokers to establish itself among the people in the community in a creative and unique manner and establish a strong identity by getting involved with such a noteworthy organization.”

As president of Metro Brokers, Bob Luna has been committed to growing its membership base into outlying areas along the front-range and this relationship illustrates their commitment to the people of Northern Colorado. A total of 9 Metro Brokers offices and 50 agents currently reside in the area.

“Metro Brokers is the ideal business model for those agents interested in controlling their own destiny,” said Doug Lindstrom, broker owner of the Metro Brokers Loveland office. “As a result, we have experienced substantial growth and success during the down market. We hope this partnership with the Eagles will prove our commitment to Northern Colorado, help us grow our businesses and foster a long relationship within our community.”

Metro Brokers Inc. provides real estate agents an independent framework to succeed through innovative technologies, brand awareness, continuing education courses and extensive multi-media mix marketing. Unlike other real estate companies, Metro Brokers Inc. is actually owned and operated by its brokers and prides itself on its strong team of agents.

“Just like the Metro Brokers organization, the Colorado Eagles are a hard working, high producing, and successful team, making this partnership a perfect fit for both sides,” said Lindstrom.

About Metro Brokers, Inc.

Metro Brokers, Inc. has been Colorado's leader in real estate, technology and services, for more than 30 years, providing the framework, structure, brand and freedom for real estate brokers to work professionally, efficiently and profitably. Our network of nearly 2,000 highly experienced real estate professionals specialize in residential, commercial and investment properties and have access to ground breaking technologies, continuing education courses, and innovative marketing that help buyers and sellers make the most of their real estate transactions. Unlike most other real estate companies Metro Brokers, Inc. is actually owned and operated by its brokers.

A Conversation about the Luxury Home Market

Alison Brennan talks to us about how the local luxury real estate market compares to the national market, and what local markets are doing better than others.  She also discusses selling in today's market, are people able to sell their property today.

10509 W. Vassar Drive, Lakewood CO 8027

                    

Details Features Photos Schools/City Data Map Calculators Print                                                                                                                                                                                                                                                         This Home Is Upgraded And Offers Panoramic Sweeping Views High Atop Bear Creek                                                                                                                        10509 W Vasar Dr                           Lakewood, CO 80227                                                                             Home Media Center With Equipment                           Full Finished Walkout Basement                           Deck and Large Flagstone Patio                           Two Home Offices                           Large Walk-in Master Bedroom Closet                           Three Fireplaces Family, Game Room & Master                           Backs to Open Space                           Game Room and Full Wet Bar                           No pets, No kids No Smokers- Extreme Clean                           Library                                                                                                                               List                         Price: $575000                         MLS: 559617                          THIS FABULOUS BEAR CREEK HILLTOP LOCATION WITH AWESOME DECK AND FLAGSTONE PATIO OFFERS PANORAMIC VIEWS AND LOT'S OF ROOM FOR ENTERTAINING.  THIS HOME PROVIDES  CLOSE TO 4500 SQUARE FEET OF LIVING SPACE, YOU WILL FIND SOMETHING FOR EVERYONE.  DUAL OFFICE LOCATIONS, PRIVATE LIBRARY, PLENTY OF ROOM FOR POOL TABLE AND FLOOR GAMES NEAR THE DOWNSTAIRS KITCHEN/BAR.  DON'T FORGET A WONDERFUL MEDIA ROOM COMPLETE WITH ALL NEEDED AV AND PROJECTION EQUIPMENT.  EXTENSIVE MAIN FLOOR HARDWOODS AND TILE IN ALL THE WET AREAS.  THE HOME HAS 3 FIREPLACES, ONE ON EACH LEVEL INCLUDING THE MASTER SUITE.  THE MASTER SUITE COMES COMPLETE WITH A 5 PIECE SET UP INCLUDING  SOAKING TUB & RAIN SHOWER.                                                  Directions:                         6th Ave then south on Kippling to Old Morrison Rd...west to S Newcombe St, North to Subject. Realty Oasis                         Mark Eibner                         9559 S Kingston Ct                         Englewood, CO 80112                         Phone: 720-217-5853                         Click To Email Me                         Single Page Home Site 360 Tour Link w Photos Killer Web 2.0 Map Search Blog

   

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