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Increase Income and Reduce Expenses

Increase Income and Reduce Expenses by Aurora Colorado Realtor
Aurora Colorado Real Estate, Aurora Colorado foreclosures, aurora colorado short sales, colorado short sales, colorado foreclosures, spanish speaking realtor, spanish speaking real estate agent, colorado new homes, aurora colorado new homes for sale, colorado homes for sale, aurora colorado realtor
Get ways to increase income and reduce expenses when you approach to a hardship situation

Earn more income:
1) Rent part of your home or have a roommate.
2) Have a Yard sale and sell everything that you do not use
3) Sell things that you do not use on ebay.
4) Get a second job.
5) Search for a job that can pay you more in the near future.


Reduce your expenses:
1) Change your lifestyle, do not waste money where you know that you can save  it
     a) If you have a cell phone, shop around and change to the  best service provider that can make you save money.
     b) If you have satellite or cable, internet, etc do the same as above, you can shop around and reduce your monthly payments.
2) If you have credit cards, Call your credit card companies tell them the situation that you are, so they can help you reduce your interest rates.
3) Consolidate credit cards to the ones with the lowest interest rates. 
4) Consult Credit Counseling to improve your budget.

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SouthShore homes in Aurora Colorado

SouthShore homes in Aurora Colorado

Southeast Aurora Colorado have a great new community " SouthShore " that offers many advantages to live in:

Stone Skippers:
Kayak, fly-fish, paddleboat or just chill out near the boat house at Senac Lake.
Picnic Planners: Under a tree, by the lake or the ridge, Pick from 70 acres of perfect picnic hot spots.
Big Fish Story
Tellers: Join the annual Aurora Fishing Derby or find your secret watering hole
Trail Blazers:
Blaze your own path through 53 acres of trail corridors or hook up with the 8 mile reservoir loop.

Stay Tuned, I will update my blog to get nice photos from SouthShore Community in Southeast Aurora Colorado, it is a new development, Means New Homes ! A Fresh Place to start
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Southeast Aurora Colorado-SouthShore Homes in Aurora Colorado

Southeast Aurora Colorado-SouthShore Homes in Aurora Colorado

SouthShore Community
have many advantages, some of these are:

1) Aurora Colorado Southlands Mall is just 5 minutes driving.
2) Park Meadows Mall is just 15 minutes driving.
3) Denver International AirPort is just 20 minutes driving.
4) Denver Tech Center is just 20 minutes Driving.
5) Cherry Creek is just 25 minutes driving.
6) Downtown Denver is just 30 minutes driving.
7) Mountain Resorts 90 minutes driving.
8) View to the Lake
9) Aurora Reservoir

Please Check SouthShore homes in Aurora Colorado
I will keep writing more information from this great community, stay tuned!!!

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South Aurora Colorado - Aurora Colorado South

South Aurora Colorado - Aurora Colorado South

SouthShore resides in the second largest city in the state of Colorado, Aurora Colorado.
The Southeast Aurora Colorado, is a very progressive place to be. With over 300 days of warm, mild weather, residents can always find a place to get outside and enjoy the outdoors. From SouthShore, it is just minutes to downtown Denver and only an hour or so to the front range and Rocky Mountains. Being so close to everything is just one of the many perks of living in southeast Aurora Colorado.

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Being an Informed Client have many advantages

Being an Informed Client have many advantagesAurora Colorado Realtor, spanish speaking realtor, spanish speaking real estate agent, colorado realtor, colorado real estate agent, colorado spanish speaking, colorado homes for sale, aurora colorado homes for sale, homes for sale in aurora colorado

I have and I have had clients who are very well informed when they come to me for the first time home buyers or investors, I applaud them the effort that they do to learn and ask. After that, my clients have a better broad vision and understanding about a whole process on a real estate when buying a home in Aurora Colorado or somewhere in the Metro Denver Area.

 Real Realtors do a great effort to help and give the best service that "YOU" our client deserve! Looking the best interests on you, not the seller or someone else.

If you are the ONE that likes to do HOMEWORK before you are selling or buying a home in Colorado, follow these easy Real Estate tips:
1)  Read & Research real estate books, guides and articles.
 2) Listen and ASK to professional realtor's advises.
3) Ask
to experienced real estate professionals, not just people who think that they know and can give you a vague idea and they can misinform you.
4) Use a Colorado Realtor, remember that if you are the buyer you do not have to pay us from your pocket an get a real estate professional representation. 

There are many misinformed consumers out there.

Using the right team of real estate professionals when you are selling or buying new homes, used homes " resales " gives you Peace of Mind and a smooth real estate transaction.

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Why a home inspector on your new home ?

Why a home inspector on your new home ?colorado new builders, builders in colorado, builders in aurora colorado, aurora colorado builders, colorado builder, aurora colorado builder, colorado new homes, aurora colorado new homes, colorado realtor, aurora colorado realtor If you thought that you did not need a home inspector on your new home click here.

A good qualified home inspector will:
 
1) GIVE detailed information about the condition your new home.
2) IDENTIFY items that need to be replaced or repaired.
3) CONSIDER remaining life of important systems, finishes, structure and equipment.
4) ANALIZE the physical condition as: mechanical systems, structure and construction.

As Realtors we advise you to get a Home Inspector on your new home, YOU DECIDE!!!.
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If you thought that New Homes in Colorado didn't need Colorado Home Inspections you were wrong !!

If you thought that New Homes in Colorado din't need Colorado Home Inspections you were wrong !!aurora colorado realtor, colorado realtor, spanish speaking realtor, spanish speaking real estate agent, colorado homes, colorado homes for sale, aurora colorado homes, colorado new homes, aurora colorado new homes, spanish speaking

I have seen that Colorado new home builders disclose it, your client should know this.
 
Colorado New Homes need home inspections too, maybe you thought that  just RESALE or USED Colorado homes needed Home Inspections, you were wrong !! The Department of housing and Urban development ( HUD ) and Federal Housing Administration ( FHA ) encourage Colorado home buyers to get a Colorado Home Inspector when you are buying a new Home in Colorado.
Why to use a Colorado home inspector on a new home in Colorado?

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As Colorado Realtors we advise you to get a Home Inspector on your new home in Colorado, YOU DECIDE!!!
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Foreclosures in Colorado

Many areas of Colorado have been affected by foreclosures, this happen by some factors that I already explained on some my past blogs. Facing foreclosures in Colorado other link that you should read

When a property it is in foreclosure means that a lenders already transferred to a deparment whose job is to decide whether and when to send the loan to the lawyers who handle the lender's foreclosures in Colorado. Many lenders use law firms who are not in the lender's company.

Try to avoid foreclosure in your property, I have posted also some other blogs about short sales and very helpful tips.

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Asociacion Nacional de Agentes de Bienes Raices - National Association of Realtors (NAR) English and Spanish

Asociacion Nacional de Agentes de Bienes Raices - National Association of Realtors (NAR) English and Spanish

Asociacion Nacional de Agentes de Bienes Raices ( NAR )
Asociacion Dedicada a la promocion del professionalismo en el ramo de bienes raices, esta asociacion cuenta con bastantes influencias que cuentan en el ramo de bienes raices, y sobre todo los propietarios de casa propia. Tambien cuenta con filiales relacionadas con avaluos, orientacion y administracion de inmuebles (bienes Raices). Los socios tienen obligacion de seguir y observar la etica de la asociacion.

National Association of Realtors (NAR)
An organization devoted to encouraging professionalism in real estate activities. NAR has strong lobbies to protect interests of the real estate community, especially homeowners. It also has affiliates to appraising, counseling and managing real estate. Members are required to abide by the code of ethics of the NAR.

Esta informacion la obtuve gracias a la Universidad Texas A & M International University donde gradue de mi maestria de Administracion de Empresas. Es bueno poder proveerles a ustedes con este tipo de informacion Bilingue en Espanol e Ingles. Gracias a Jack C. Harris and Jack P. Friedman por compilar esta informacion tan importante.

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When is really late on your mortgage and bad for your credit?

 Borrowers tend to think that a late mortgage payment is reported on the credit after the 15th day of each month. Wrong !!!   Lenders report on your credit a late mortgage payment after 30 days. So for instance whether you have to pay the 1st of every month and the lender receive the payment on the 27th of the same month that it is due, you are fine!!, but lenders generally will charge you an additional 5% late fee after the 15th day grace period + the interest accumulated that it is not reflected at that time or charged to you that time. If your payment was on July 1st and lender received your payment on August 1st, then you are delinquent 30 days and it will be reported as a late payment to the credit bureaus.

Now, never forget this, lenders do not tell you THIS, if you pay every 5th day each month, you will get an accumulated interest at the final of your loan or it will be reflected when you get your mortgage pay off always and only when you need to refinance or sell your home.

My best suggestion to you is: "try that your lender gets your payment every 1st day of every month."

        Aurora Colorado Realtor, Ray Saenz                                Aurora Colorado Realtor, Ray Saenz
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