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First Time Homebuyers: Colorado Springs, Black Forest and Fountain Colorado home buying, real estate listings, and homes for sale in El Paso County, CO

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Colorado Springs, Black Forest and Fountain real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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About Appraisals >Working With Appraisers

After the buyer and seller come to a "meeting of the minds" on the price of a house, there is one more person who must be convinced that the house is worth the selling price--the mortgage company's appraiser.

The appraiser looks for three similar houses that have sold in the same area within the last several months, and compares the selling prices of these homes with the one that is now on the market. The appraiser makes adjustments to account for the differences in each property, and averages the adjusted prices of the other three homes to arrive at a final opinion of value. In subdivisions or condominium projects where there are many similar properties and numerous recent sales, the appraiser's job is relatively easy. In neighborhoods of older homes that have been renovated or remodeled over the years, it can be like comparing apples and oranges.

If the appraiser's evaluation is lower than the selling price, it can stall the transaction because the lender may decline the buyer's loan because of the discrepancy. A real estate agent can work to minimize potential delays associated with the appraisal process by helping the seller to price the home as close to fair market value as possible.

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Q	Who is the world's largest landowner?
A	The United States government, with holdings of 728.8 million acres of land.
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Chuck Birger and Normandy Stinnett, REALTORŽ, real estate agents and broker for Colorado Springs, Black Forest and Fountain Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

Chuck Birger
Birger & Birger, Inc. Real Estate & Mortgage
2124 Wake Forest Ct
Colorado Springs
Colorado 80918
888-901-2351
Fax: 719-277-7532
719-260-8465
Chuck@ChuckBirger.com
Chuck and Normandy have a combined 30 years experience in the real estate sales and marketing business. Their collective backgrounds include: teaching, legal assistant, farming, insurance sales, mortgage loans and marketing. Chuck is originally from South Dakota and has been serving successfully in the Colorado Springs area for 25 years in the arena of real estate and mortgage lending. Normandy is from Tennessee and has be a world traveler with Youth with a Mission and has been successful marketing million dallar homes from Seattle to Wilmington NC. Normandy enjoys working with the first time buyer and has a tenacious spirit and aggressive energy to successfully market, negotiate and sell those luxury homes. Chuck has focused his attention on relocating families especially military. He offers a one stop shopping plan that takes total care of the client by providing the best loan and the best home for their money. Take advantage of their hard working nature and be treated like royalty.

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NUMBER1EXPERTS™ for Colorado Springs real estate CO, Black Forest real estate and Fountain real estate, Colorado, loans, Condos and Townhouses, Military Relocation

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