Golden, Lakewood and Littleton real estate and homes for sale in Colorado - The Joan Shaffer Group, REALTORS® The Joan Shaffer Group REALTORS(r) for Golden, Lakewood and Littleton, Colorado real estate - NUMBER1EXPERTS™ The Joan Shaffer Group NUMBER1EXPERTS(tm) for Golden, Lakewood and Littleton, Colorado real estate
View Contact Information for The Joan Shaffer Group, Realtor(r) serving Golden, Lakewood and Littleton, CO in Jefferson, Araphoe County > Pop-Up Window
Click to Email The Joan Shaffer Group, REALTOR(r) serving Golden, Lakewood and Littleton, CO in Jefferson, Araphoe County
Login
Site Map
The Joan Shaffer Group, REALTORŪ, real estate agents and broker for Golden, Lakewood and Littleton Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)



Real estate agents are NOT alike! "You can fire me any time...but you won't want to!"


Get Free Presentation On Our Home Marketing.
Before signing a contract with any REALTORŪ, make sure you know EXACTLY how your home will be marketed.
Find Out More >
View All Offers >


"We were a state away and you kept us informed."
"You made being a state away from the property we were selling easy and you kept us informed with emails and phone calls with each new development."
Mary Kahler
Read Quote >
View All Quotes >


Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
The Joan Shaffer Group are some of The Top Selling Real Estate Experts™
Find Out More >
For Buyers: Golden, Lakewood and Littleton Colorado home buying, real estate listings, and homes for sale in Jefferson, Araphoe County, CO
Welcome > Main Sitemap > For Buyers ...


Sign Up For My Free HomeFinder Service: More Denver Area Listings
Why Buyers Choose Us: Why homebuyers in the Golden, Lakewood and Littleton area choose The Joan Shaffer Group as their Realtors
For Seniors: Helpful Information for seniros provided by The Joan Shaffer Group can be found on this page...
Buyer Reports: Special Reports for Home Owners are on this page..
Agents I Recommend: Agents I Recommend in Lakewood and Littleton
Latest Listings: Get The Joan Shaffer Group's latest Golden, Lakewood and Littleton listings of homes for sale first!
Find Your Perfect Home: The Joan Shaffer Group will search for your ideal home and email you the newest Golden, Lakewood and Littleton MLS listings of properties
First Time Homebuyers: Are you a first time homebuyer in Golden, Lakewood and Littleton, CO? As top Realtors, The Joan Shaffer Group can guide your home buying search
Mortgage Prequalification: Pre-qualify for a mortgage or loan for your Golden, Lakewood and Littleton house or other real estate or property

 

Please Sign Up For The Latest Listings and the Latest Real Estate News 

*Your Name:
*Your Email Address:
Send Latest Listings: What is this?
Send Latest News: What is this?

Your Message or Comments:
* Please note that fields marked with an asterisk are required.


Email Us With Confidence
Quick Response Guarantee >
We Guarantee Your Privacy >
Free & Without Obligation >


Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Where is the world's largest wine cellar, and how big is it?

A 
A company in the center of the wine-growing district of South Africa has a cellar that covers an area of 54 acres and has a capacity of 27 million gallons.
See More Real Estate Trivia >


School Reports
See the Nation's Top Rated: School Reports - Public, Private & Charter >




Mark Saint Onge, Pulte Mortgage
Originating residential mortgage loans since 1979.
Find Out More >
View All Affiliates >


Get the Latest Real Estate News, Hot Off the Presses!
If you are buying or selling a home, you need our eNewsletter.
Name:
Email:



The Joan Shaffer Group, REALTORŪ, real estate agents and broker for Golden, Lakewood and Littleton Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

The Joan Shaffer Group
RE/MAX Professionals

390 Union Blvd., Suite 100
Lakewood, CO 80228
Direct Phone : 303-716-3658
Cell Phone: 303-887-4404
Home Office : 303-278-9711
Fax: 303-985-2543
Toll Free: 800-992-9025
Email Joan: Joan@JoanShaffer.com

Joan Shaffer takes a positive approach to life and you can see it in everything she does. From spending time with her family to helping her clients reach their dreams, Joan always has a smile on her face and a winning attitude in her heart.

Joan brings that same positive approach to her career as a leading real estate professional in Jefferson County. Her clients can count on her to be there when they need her, to listen closely to their needs and to provide strong guidance and support during the entire real estate process. Joan loves what she does and it shows. Her positive approach to life helps her to make a positive difference in the lives of her clients.

ABRCRSeProEqual HousingGRIMLSREALTORSRES




RE/MAX Professionals real estate and homes for sale in Golden, Lakewood and Littleton Colorado

www.joanshaffer.com is brought to you by The Joan Shaffer Group
NUMBER1EXPERTS™ in real estate for Golden, Lakewood and Littleton, Colorado

Read our Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge




USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT™
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.



This Golden, Lakewood and Littleton Colorado web site is brought to you by The Joan Shaffer Group, REALTORŪ















Return to Top >