Buying a Home Requires Many Difficult Decisions. Make Sure Your REALTORŪ is a Top Local Expert.
When you hire me to represent you as your real estate consultant to buy your next home, here's what I do for you:
(1) I am your Consultant. When we meet I will ask you profound, insightful questions because discovering what is really important to you, is really important to me;
(2) I am your Negotiator. I am like a pit bull! I am skilled, experienced and focused. You, like me, probably believe it's in your best interest to have a skilled, experienced and focused negotiator on your team.
(3) I am yourTransactional Overseer - that means I oversee details. I dot the "i's" and cross the "t's". How does it make you feel knowing that there are 43 different people from 14 different industries that get involved during the seven stages of your transaction? Every transaction has 100 pieces of paper requiring upward to 43 signatures and initials. Making a mistake could be very costly to you.
One of my greatest skills is to see things from multiple perspectives, which means I will always recognize what is known about an issue, what more needs to be known, and how to best obtain the relevant and accurate information needed.
This is what I do. Every day I make dreams come true for buyers and sellers. I'm a real estate consultant and I look forward to helping you make your dreams come true. 
Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. As top metropolitan Denver area REALTORSŪ, here is how we will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest:
- You will have full access to ALL homes available in the metropolitan Denver area including the Golden, Lakewood and Littleton markets, even listings not yet on the MLS, through our professional Colorado real estate affiliations.
- Our expert local knowledge of the area should be invaluable to you, not just in terms of real estate, but also schools, neighborhoods, the local economy, and more.
- Every local real estate market absolutely has its own trends and opportunities. This can vary greatly, even one neighborhood to the next. It's our job to steer you into opportunities and out of traps.
- What is the true market value of the home you are interested in? Is it priced too high? Is it a bargain that you should jump on? We help home buyers make decisions like this every day, and we'll make sure that YOU get the best value for your money.
- Negotiating with sellers can be stressful. We will help you negotiate, so that the final contract includes your best possible terms and conditions.
- You should know absolutely everything possible about the property you are buying! You and we will view every home that you are interested in, together. And prior to closing we will make you fully aware of any and all inspections available to you.
- Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. We will give you the full benefit of our real estate knowledge and experience.
When you choose us to represent you in your home search, we treat your money like it is ours. You, like me, know that money is an emotional issue and to represent your own self is like performing surgery on yourself. You would never do that, would you? You will have a skilled, experienced and focused negotiator on your team when you buy a home through the Joan Shaffer Group in the Denver Metropolitan Area, including Golden, Lakewood and Littleton.
|  We have recently been featured on CBS as a Denver Area Realtor. Please look for my upcoming commercials with timely Real Estate related information!
Ask us any question about buying a home anywhere in the Denver metropolitan area. It's our job to help you!
There's no obligation, and we promise to respond quickly...
Financing Your Home >Watch Your ARMs Length Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.
First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.
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What are the world's most valuable chairs?
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A pair of Chippendale chairs designed by Robert Adam sold in 1997 at Christie's, London to an anonymous buyer for $2,762,330. |
 See More Real Estate Trivia > |
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Patty Salam, Home Staging Professional
Your house is probably your biggest asset; selling it can be one of the most important decisions in your life.
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