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Real estate agents are NOT alike! "You can fire me any time...but you won't want to!"
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Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"You have gone way beyond the call of duty"
"Joan, you are one of the most special persons that I have ever met in my life."
Pat and Judd Kramer
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 Compare three mortgages at one time.
Download TripleCalc now. It's free. |
The Joan Shaffer Group are some
of The Top Selling Real Estate Experts™
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Special Offers: Special offers for Golden, Lakewood and Littleton
homeowners from The Joan Shaffer Group, top Realtors |
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For Seniors: Helpful Information for seniros provided by
The Joan Shaffer Group can be found on this page... |
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Home Owner Tips: Special Reports for Home Owners are
on this page.. |
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Affiliates: The Joan Shaffer Group's real estate web site
affiliates |
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eNewsletter: The Joan Shaffer Group's Golden, Lakewood and Littleton newsletter
email will send you the latest real estate information |
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Today's Real Estate News: Daily real estate news for this neighborhood, Colorado, and United
States |
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Market Conditions Report: Market conditions report for this area, Colorado, and United
States |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Golden, Lakewood and Littleton Colorado mortgage payments save you on
your taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in Colorado or buy your own Golden, Lakewood and Littleton house, ranch,
luxury property, condominium, acreage, or other real estate? |
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Adjustable Rate Mortgages: Adjustable rate Golden,
Lakewood and Littleton mortgages information and interest rate java
calculator |
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What Is Your APR?: Determine the Annual Percentage
Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to
compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and
an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator.
A balloon mortgage can be an excellent option for many home
buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay
significantly less interest, but only if you can afford the higher monthly
payment. Use this calculator to compare these two mortgage
terms. |
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How Much Should Your Income Be?: What income is required
to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you
determine your maximum monthly housing payment and the resulting mortgage
amount. |
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Will Buying Points Save You Money?:This calculator helps you
determine if you should pay for points, or use the money to increase your down
payment. |
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TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at
one time for your property or other Colorado real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask
The Joan Shaffer Group anything real estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT
real estate agentss and realty professionals and brokers in the USA and Canada
with links to their personal web sites with homes for sale |
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Real Estate Tips: The Joan Shaffer Group's realty
library of real estate tips and advice on everything from preparing your home
for sale to negotiating with home buyers to escrow, closing costs, property
inspections, and mortgage brokers |
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Real Estate Trivia: The Joan Shaffer Group's collection of real estate trivia questions
and answers that include real estate topics such as the most expensive home,
largest swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Golden, Lakewood and Littleton property in Colorado, including legal terms
definitions, and more |
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Financing Your Home >Mortgage Myths
Nationwide surveys indicate that a large number of potential home buyers count themselves out of the market because of widely-held myths about home financing.
Some of the most prevalent myths include: 1) home buyers need large down payments (more than is actually the case); 2) the loan process works against people under age 35; 3) owning a home is more expensive than renting; and 4) minorities have no chance of getting a mortgage.
The surveys found that many people view the mortgage process as "difficult, stressful, and incomprehensible." Many qualified first-time buyers are unaware of special programs designed to make home ownership affordable to them. The home loan industry is always looking for new ways to dispel these myths because lenders want more business, not less. The alternatives to traditional 20% down, thirty-year fixed mortgages are astonishing. Mortgage brokers are experienced in explaining today's financing and debunking the myths.
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| Q |
What has a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth?
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| A |
Real Estate--it goes through cycles, but still has a long-term record of strong investment return. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERTS™ 
