Do the Right Thing.

Canon City, Colorado : 1432 Grand Ave

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Wed, 02 Apr 2008 14:54:06 -0500

Colorado Western Real Estate, llc | Colorado Western Real Estate, llc | 719 546-3700

1432 Grand Ave, Canon City, CO

Orginal $241,000

3BR/3BA Single Family House

offered at $239,500

Year Built	1914
Sq Footage	1,922
Bedrooms	3
Bathrooms	3 full, 0 partial
Floors	2
Parking	3 Car garage
Lot Size	1 acres
HOA/Maint	$0 per month

DESCRIPTION

Eat your way home!

Rare Lincoln Park home with:
3 bedrooms,
3 full bathrooms,
3 car garages
RV parking pad
Detached work room / shop with walk in cooler
Orchard with a mixture of fruit trees
raspberry and balckberry bushes in colossal garden area
huge A frame garden shed
8 shares of Deweese ditch water to be transferred with property
Walk out sun deck on 2nd level.
Views of the mountains.

For more information www.coloradowesternland.com

Contact Dena Stevens 719 369-9087 for details.

see additional photos below

PROPERTY FEATURES

- Central heat	- Hardwood floor	- Living room
- Bonus/Rec room	- Dining room	- Dishwasher
- Refrigerator	- Stove/Oven	- Basement
- Laundry area - inside	- Balcony, Deck, or Patio	- Yard

OTHER SPECIAL FEATURES

- Spring is around the corner and the fruit orchard is waiting

- Walk to the Lincoln Park gym or the Arkansas River Walk

ADDITIONAL PHOTOS

Photo 2	Photo 3
Photo 1	Photo 1
Photo 2	Photo 3

Contact info:

Colorado Western Real Estate, llc

719 546-3700

For sale by agent/broker

Equal Opportunity Housing

Posted: Nov 17, 2009, 10:22am PST

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All materials and photos copywritten

What happens when a lender can’t produce the original note?

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Tue, 18 Aug 2009 08:24:38 -0500

This is such a powerful post I felt it needed to be reposted. And with care, myself and others need to carefully weigh these words. Realtors are not lawyers, let me say it again - Realtors are not lawyers. Peoples lives are changing and we need to make sure that everyone involved is paying attention and not just "winging it."

Via Rick Misitano (Law Offices of James M. Bosco & Associates):

A growing number of homeowners around the country are using a foreclosure defense that may help them retain their homes. It’s called “Produce the Note” and we want you to know this is not a mere technicality that should be treated lightly by the lender or by the Court.

Everyone needs to understand the importance of this issue. When a lender can’t produce the original note, allowing a foreclosure to proceed puts the homeowner at risk of owing that debt again to another party in the future. Therefore, great caution must be taken before a judge can allow someone who can’t produce the original note to cash in on your home.

What if Your Lender CAN’T Produce the Note?

So, what happens when the lender tells the Court it can’t produce the original note, because it is lost? Let’s start with the basics. If a lender wants to foreclose on a property, it has to be able to show that it is, in fact, the appropriate person to whom the money is owed. That right to foreclose belongs ONLY to the person who has legitimate POSSESSION OF THE ORIGINAL NOTE - not a copy, not an electronic entry, but the original note itself with the original signature of the person(s) who allegedly owes the money along with appropriate raised notary seal and signature. So, if you are faced with a foreclosure, you have every right to demand that the person or entity trying to take your property, first prove to the Court that they have the legal right do to so in the first place by proving they have legal possession of the original promissory note.

In my opinion, an original mortgage note is much like legal tender and should be guarded and protected as such by the person holding such an asset. Loosing an original mortgage note is like loosing a $100 bill or a gift card or a lottery ticket. What if I scratched that million dollar ticket and just stuck it somewhere and misplaced it? Do you think I could just show up at lottery headquarters and claim my prize without having the winning ticket? The same principle applies to the person or entity claiming to be the legal holder of an original mortgage note. He who holds the note holds the key.

What the Lender Must Do

What often happens, however, is that the lender claims it doesn’t have the original note, because that note has been lost or destroyed. If the lender is making such a claim, the law requires the lender to prove all of the following under the “Uniform Commercial Code”, which is a set of laws governing commercial transactions that many states have adopted. It contains a specific provision on this subject (Section 3-309) which states that a person can enforce a promissory note without having the original, BUT only under certain limited circumstances.

1. The person or entity has to swear and attest that it no longer has the original note;
2. The person or entity has to prove that it was properly in possession of the note and was entitled to enforce it WHEN it lost possession of the note;
3. The person or entity has to prove it didn’t “lose” possession simply because it transferred the note to someone else (i.e., it’s not really lost); and
4. The person or entity has to prove that it cannot produce the original note because the instrument was destroyed or its whereabouts cannot be determined or it was stolen by someone who had no right to it.

All of these matters have to be definitively proven by the person or entity trying to foreclose on the property. It is not the obligation of the borrower to prove or disprove any of this. The borrower can challenge the right of the person or entity trying to foreclose and demand proof.

The Court’s Important Role

It is up to the Court to determine whether the lender has satisfactorily proven why it no longer can produce the original note. The Court also has to be satisfied that when the original note was lost, the person trying to foreclose on the property had possession of the note at the time it was lost. Until the Court has been satisfied of all of this, the foreclosure cannot proceed.

It is also important for the Court itself to understand that this issue is not merely a “technicality” and the judge should not be satisfied with anything less than full proof of this issue. The Court itself needs to appreciate the fact that if it should agree that an original note has been legitimately lost (and allows the foreclosure to proceed) it is the borrower who is still at risk.

Why? Because incredibly, even if a Court has found that the original note is lost and the foreclosure sale is finalized, if someone later turns up with the original note and proves that it is the proper holder of the note, and not the person who foreclosed on the property, the original borrower is STILL LIABLE.

That’s right. Someone took your home and the Court allowed it because it believed that the lender proved that the note was lost and it was the proper party. Then someone legitimate shows up in the future with the actual note and you still owe that person the money even though your property was taken with the blessing of the Court. Trust me, this is a very serious issue regarding post foreclosures and post pre-foreclosure short-sales. It has happened to three of our own clients! These homeowners had the need to sell their property by means of a negotiated short-sale (so they could avoid a foreclosure) only to find out that the entity claiming to have the legal right and authority to enter into such negotiations and accept such settlements sold their note to another entity and weren’t even aware of it. Several months later, the newly assigned lenders (now claiming to be the rightful owners of our client’s original notes) have since come forward and have also filed suite seeking to recover their entire outstanding principle balances owed to them (prior to the homeowners closing their short-sale transactions with the wrong note holders).

How fair is that?!?! It’s not! And that’s why homeowners need to start fighting back when someone is trying to take their home by foreclosure, especially since an overwhelming percentage of mortgages granted over the last 3 to 5 years have been packaged into securities and re-sold and re-assigned numerous times since the inception of the borrower's original note and mortgage. In some states, homeowners have better than a 50/50 chance of being successful in defending themselves against a completed foreclosure. Why wouldn’t anyone who owns a home do everything in their power to protect and defend it?

All the Best,

Rick D. Misitano, Senior Paralegal
Law Offices of James M. Bosco & Associates
Methuen Executive Park
240 Pleasant Street
Methuen, Massachusetts 01844
Phone: (978) 687-8804
Fax: (978) 687-8872
boscolaw@comcast.net

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5 Inexpensive Ways To Create An Inviting Front Porch To Attract Buyers

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Mon, 10 Aug 2009 09:20:04 -0500

I really like the creative advise that Lizette offers here. And while not all of these options are practical for every part of the country most sellers do need to remember that curb appeal is very important right now. Remember a buyer driving down the street could easily drive past your home because there is another "cutie" just around the corner. And the only thing that's different from your house and that "cutie" could be the simple advise Lizette offers below.

Via Lizette Fitzpatrick - Broker-Realtor® Kentucky Homes - Horse Farms (Lizette Realty - Lexington KY - Richmond KY):

5 Ways To Create an Inviting Front Porch To Attract Buyers

I was talking with my agent, Monica Hess tonight. We were discussing an upcoming article she is doing for a magazine.

As she was trying to come up with ideas for her topic, I told her how I felt a front porch needed to give a good vibe in order for the house to sell.

Some front porches are clean and nice but lack comfortable places to sit or interesting areas.

They are one of the first areas of your home that new buyers will see and gather a first impression.

Here are my 5 simple ideas that I used on my front porch:

Keep it clean. Each morning when I let my dog out, I spend time sweeping away bugs and leaves. I also take off dead leaves and flowers off the plants. By the time I do this my dog is ready to come back in.

Comfortable furniture. What I have on my porch isn't new. The bench had been in my Dad's Greyhound Station since the 40's, the wicker table I found on a curb that someone didn't want. Check secondhand stores for furniture that can be recycled. I prefer wood over metal. Even a chair with a seat out can be a plant stand.

Look for cheap pillows that if they get wet or stained you can just replace or wash them. These were a few bucks each and can from a discount store. I liked the Mai-tai drink designs on these. I carry these in if it starts to rain.

Plants. Buy a few on the sale table at a garden center that look exotic. I put these in odd containers and in a few weeks they burst back with new life. By putting them on the porch they have a chance to recover. My favorite one now is my Desert Rose. I love the trunk of this one, it looks like a body! I used a tub with a leaky bottom to plant purple petunias. The ferns are very hardy and fare better than flowers in hot weather. I redo them fresh every spring. Don't put the hanging ferns up till after Mother's Day to keep Robins from building nests in them. It breaks all the fronds I found out.

Use rugs or paint the concrete with a stain if the porch is in bad condition. There are some nice outdoor rugs that resist the weather really well.

I like the idea that the front porch should be just as inviting as the inside of your house. Spend a little time thinking of unique pieces to add some pizazz!

It might be all the buyer needs to imagine themselves there with a nice glass of sweet tea and a book.

Next step might be an offer!

Finding a new Kentucky home has never been so easy!

Just click on the link below.

Lexington KY Residential Homes For Sale

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

For more information on Kentucky Horse Farms and Lexington KY real estate

click on Lizette.us.

Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved

5 Inexpensive Ways To Create An Inviting Front Porch To Attract Buyers

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1788 N.Loma Way Pueblo West, Co 81007 SOLD

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Mon, 19 Mar 2007 17:10:56 -0500

1788 N. Loma Way Pueblo West, CO 81007

MLS 107246A Acre: 1.01

Orginially $20,000 REDUCED: $12900!

One of the best locations in Pueblo West, perfect to those who want the quiet. This lot backs up to Walker Ranch so you KNOW it has VIEWS. And this lot has WATER and POWER! Ready to build on. Contact ColoradoWesternland.com for more information and availability.

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Pueblo: Colorado 1794 Newton Road : exp

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Tue, 01 Jul 2008 15:26:03 -0500

Dena Stevens | Colorado Western Real Estate, llc | 719 546-3700

1794 Newton Road, Pueblo, CO

Newton Road on Red Creek Ranch

4BR/2BA Single Family House

offered at $340,000

Year Built	1998
Sq Footage	2,068
Bedrooms	4
Bathrooms	2 full, 0 partial
Floors	1
Parking	None
Lot Size	61.9 acres
HOA/Maint	$15 per month

DESCRIPTION

Rustic lodge like home nestled among pinon pines only 15 minutes from Pueblo. Watch the sunrise and sunset from the deck that faces Pikes Peak. Split bedroom design, loft for extra space and 61.9 acres of outdoor fun!

see additional photos below

PROPERTY FEATURES

Central heat	Hardwood floor	Tile floor
Family room	Living room	Bonus/Rec room
Dining room	Stove/Oven	Basement
Laundry area - inside	Balcony, Deck, or Patio

ADDITIONAL PHOTOS

Seller contact info:

Dena Stevens

Colorado Western Real Estate, llc

719 546-3700

For sale by agent/broker

Equal Opportunity Housing

Posted: Jul 1, 2008, 1:17pm PDT

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Pink is My Favorite Color...or NOT

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Sat, 02 May 2009 16:44:34 -0500

I've seen the power of Active Rain. When word went out that one member was sick, somebody had passed or somebody was in need, the members of the Rain poured out their love. Now is the time to show that love again.

Via Missy Caulk-Ann Arbor- Realtor(R)- Ann Arbor Real Estate (Keller Williams-Ann Arbor):

Tuesday my husband was given a pink slip from Belleville High School. He is history teacher and social studies teacher. He is tenured.

I was shocked

The schools in Michigan are handing out a lot of pink slips including: Flint 257, Detroit 600, Pontiac everyone, Lansing 170.

Last year at Belleville High School, (where he teaches) they didn't let enough teachers go so in October after the enrollment count they had to redo classes. Mike was not one of them.

When they change the class sizes some students go and some classes are dropped and it is disruptive. So this year they are letting 90 go and then hiring back.

If you are pinked slipped and hired back you can still be let go in October after the enrollment count.

Can you stay unstable?

I don’t want your sympathy but your advice, prayers and help.

I want to see if Social Media (which we all hail) can get my husband a job.

In Tennessee

Most of you know I am from the South and we have hoped to move back there when we retired if not before.

So I am asking you if you know anyone in Tennessee, the Nashville Area to please pass along my husband’s name. We have looked and there are 5 History teaching positions available in the Nashville, Williamson County Area, which he is applying for.

However, it is not what you know but WHO YOU KNOW.

A little bragging:

My husband is an outstanding teacher. Every year his classes fill up and if a student is removed for scheduling issues…mom and dad demand they be put back in Mr. Caulk’s class.

Mike does all of his lesson plans on Power Point, uses YouTube and the news this week by Uncle Jake. He is a fun, and an engaging history teacher. Making the subject come alive for his students.

Everyday at school for 5 years, he would check out the over-head projector so this year, the administration bought him one. I can count on my ONE hand the days he has missed in the last 6 years, even returning the day after he had stints put in his heart.

Social Media is more than Twitter, more than FaceBook it is like attending a Chamber of Commerce meeting that extends outside four walls.

Can Social Media help find Mike A JOB?

They say if you want to adopt a baby tell everyone you know. So I am telling everyone I know. Any help would be so appreciated, especially if you know anyone in the Nashville area that teaches, a principal or works in Administration. ( If you do I will email you his resume.)

When one door closes, another one opens so we are thinking and hoping this might be an open door to move and settle in TN. First of all we are believing God will open a door if we are to move forward with a job in Tn. But, we know He works through people, so hence my appeal to you here on Activerain.

I figure if Jay McGullicuddy can find his birth mother and Brad Andersohn his brother,....

ALL things are Possible on Activerain.

AnnArborRealtor@gmail.com

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Tax Credit Bites Buyers Back!

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Fri, 17 Apr 2009 21:33:32 -0500

One of the keys to buying a home is getting the buyer to pay just a bit more than they want and for the sellers to come down on the price a tiny bit. When you find an equal footing everyone wins!

Via Sheree Wilkerson (Realty World Alliance):

Yay! You get a tax credit! Good for you!

Really, there's not much to gripe about when it comes to the tax credit. The government handing you a check for buying a house you needed to buy anyway - that's pretty sweet right there!

Here's the kicker - The Sellers KNOW you are getting up to $8,000 free for buying their house and they DON'T get one for selling it to you and buying their next place. Their loss, right? Wrong! Now more than ever, I am seeing sellers who WILL NOT budge. And 9 times out of 10 - the reason comes back as.....

*drum roll please*

"Well, the buyer's getting $8,000 and we're not, so we feel they can use that money to make up the price/closing costs and/or decor/repairs."

Sorry, that sound you hear is me banging my head against a wall.

Here's an idea!

Sellers:

Just because they're making you an offer on a lower-mid end home does not mean they qualify for the credit. They may have previously owned or be married to someone who previously owned! So don't assume they get $8,000!

Even if they do qualify for it, that does not mean they have to take it. This is not a forced credit, they have to ask for it!

This is a tax credit - not a closing credit! They won't get that before closing to use and they won't get it until they file their 2009 taxes, which will be next year!

And NO, the tax credit does not make your house WORTH $8,000 more! Yes, we had a seller try to do that!

Buyers:

Realize that you are indeed getting a government boon for buying a house. Maybe not now, but you will get it if you qualify and ask for it. So keep that in mind when eyeballing repairs, updates, and more.

Know that the seller knows about the credit too and they will use this as leverage if your offer "sucks" in their eyes.

Think this isn't common?

Of the last 5 offers I worked on, 4 of them countered back and cited the First Time Homebuyer Tax Credit as the reason they would not do such-and-such or pay this-and-that.

So keep in mind that you're getting a great tax credit for purchasing -
but watch out for it biting you back in your negotiations!

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Sunshine House in Westcliffe, Colorado

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Mon, 18 Jun 2007 22:00:45 -0500

Colorado has an average of 333 days of sunshine every year. Our climate is ideal for anybody who is interested in either passive or active solar in their home. This house is in Dilley Ranch in Westcliffe Colorado not far from Rosita. Notice how the house is at the base of the mountain. The house is bermed into the mountain.

Bermed into the mountain side to help control temperature extremes. This picture is the retaining wall and the roof meeting at the back of the house / berm. The entire house has stained concrete floors for thermal or solar mass. Concrete holds heat and releases it slowly. So in the winter when the sun in low the floors absorb the heat and help keep the house at a consistant temp.

Oriented to the south for solar gain in the winter and comfort in the summer. Today was a very warm day in the high 80's this vacant house was a comfortable 70 degrees. The large windows facing due south service multiple purpose, comfort and VIEWS!

With the right and smart planning you can have an energy efficient, comfortable house with fantastic views. Learn more about passive and active solar

Period of Record Monthly Climate Summary for Westcliffe, CO
Period of Record : 8/ 1/1948 to 12/31/2005

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Annual

Average Max. Temperature (F)

39.7

42.2

47.9

56.2

66.0

76.3

81.2

78.3

72.6

62.4

48.5

41.0

59.4

Average Min. Temperature (F)

6.9

9.8

17.3

25.0

32.9

39.8

44.6

43.5

36.0

25.5

15.3

7.5

25.4

Average Total Precipitation (in.)

0.48

0.56

1.16

1.41

1.56

1.01

2.33

2.39

1.04

1.08

0.85

0.58

14.44

Average Total SnowFall (in.)

8.7

10.4

18.0

14.7

5.4

0.2

0.0

1.6

8.4

12.3

10.5

90.4

Average Snow Depth (in.)

Percent of possible observations for period of record.
Max. Temp.: 95.4% Min. Temp.: 95.6% Precipitation: 98.5% Snowfall: 98.5% Snow Depth: 87.1% http://www.wrcc.dri.edu/cgi-bin/cliMAIN.pl?cowest

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Holy Cross Abbey in Canon City Colorado

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Thu, 26 Jul 2007 19:58:56 -0500

Holy Cross Abbey in Canon City Colorado Located : 2951 E Us Highway 50 Canon City, CO 81212
(719) 275-8631

In the center of Canon City Colorado is a huge complex known at the Holy Cross Abbey. This Gothic style structure was built i 1924.

The architectural style has been described as Victorian and Territorial. Once the home of benedictine monks and a boys school. Today the Abbey is the center of activity for the county. The Complex hosts home and garden shows, car shows, conventions and the like.

You can also find a small gift shop, and a few offices as well as the Department of Corrections training facility. And since 2002 an award winning winery sits on the grounds.

If you ask long time locals about their stories of the abbey you will hear tales of ghosts and the mountain lion, unseen yet evidence existed!

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My Ecobroker Certification part #2

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Sat, 28 Apr 2007 21:30:34 -0500

More and more professionals are going green. It doesn't seem to matter what your profession everyone is trying to improve not only their business's but the quality of their own lives. You can't turn around, drive down the street, turn on the TV or pick up reading material without somebody suggesting we get back to basics, do the right thing, or 10 easy steps to save energy.

We can do the natural thing in our food, laundry, offices and homes. We can make the right decision by cutting down our driving or by driving the right vehicle. Even our representatives in Washington are trying to catch the green wave.

Listen folks in my opinion this isn't a fad, not going away tomorrow. Earth Day wasn't started this year, and TV environmentalists aren't a new thing. Ever really listen to a John Denver song? Remember Mutual of Omahas Wild Kingdom? I used to think Jacques Cousteau was the coolest thing and enjoy his sons programs now on PBS.

Do the Right Thing and learn more about the green movement. If you need some help visit www.ecobroker.com and read more about my Ecobroker experience at My-Ecobroker-Certification part #1. If you contact Ecobroker tell them Dena sent you.

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SUV verses ICF

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Tue, 02 Jan 2007 18:42:04 -0600

In these times when gas prices seem to be bouncing around like the proverbial jumping bean, I think we tend to worry more about the price to operate our cars than we do about heating our houses. But in case it got past you, the gas, propane and electric bills are going up too! Ok, in Colorado most of us don't use oil to heat our houses like they do on the east coast. But is it time to turn in your SUV for an ICF?

Insulated Concrete Form or ICF houses are becoming more and more popular. And maybe they should be more in demand. I toured a house under construction down on Burnt Mill Road, just south of Pueblo. Charlie Kattnig, the contractor, gave me an up close tour of this interesting and beautiful house. He explained how versatile this kind of construction can be, and they can be made to look like any style of house. The cement can take most any shape including arches and curved walls. ICF's can also be built to seismic or hurricane storm standards, not to mention the fire standards. They don't support the growth of mold or mildew like traditional building sometimes can. Great news for those who suffer with allergies!

This house was not what I expected to see in a ‘concrete house. I expected seeing something that looked more like a garage with windows and a great view. But this elaborate house had all of the amenities, everything you'd expect to in a high end house. Even thought it wasn't finished I could imagine all the great furniture and appliances that will soon be placed into this unique space.

One of the major benefits to having a concrete house is that they save on utility bills. These ‘ICF' houses are very energy efficient, usually 30% more efficient than typical houses. The insulating values are between R18 - R26, and cost between 5% - 7% more to build than traditional methods. And why not go the extra mile and use radiant heat, passive and active solar, energy star rated window, etc?

There are some local and national mortgage companies out there that can get you into an Energy Efficient Mortgage (EEM). A local mortgage broker told me that most people who qualify for one of these loans can buy more house. That is to say, they factor in the utility savings into your mortgage. These loans may also offer: cash back at closing, higher qualifying ratios, assured appraised values, free interest rate locks, and competitive interest rates. Find more information at www.energystar.gov

The savings on utilities will pay for the up front cost of building an energy efficient or ICF house in approximately five years. And isn't having a warm, cozy, comfortable home more appealing than having a cold, gas guzzling, SUV in the garage?

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Home Buyers Scouting Report

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Wed, 14 Mar 2007 13:54:26 -0500

Home shoppers. "The Home Buyers Scouting Report® service is a fantastic FREE password-protected, online solution to finding your new home! The Report is customized to your price range, home styles, neighborhoods, bedrooms and more."*

The Home Buyers Scouting Report® offers ALL the available listings that match your personal search criteria from area real estate companies, COMPLETE with pictures, prices, directions, maps and more.* You can be the first to see new properties because you'll receive ‘Quick Alert' emails of new listings as they become available online. With a click of a mouse, you can even schedule a property showing with me.

Call or email me today if you have been thinking about home shopping and would like to receive more information about this wonderful new service!

*In some markets not all of the listings are available because of local rules and regulations. Address, mapping & other property information restrictions apply in some markets.
*The Real Estate Agent and Home Buyers Marketing II, Inc. (HBM II) are cooperating licensed real estate professionals. The Real Estate Agent is neither an agent nor a broker for HBM II, but works cooperatively with HBM II to assist in your home scouting efforts. The Home Buyers Scouting Report® (HBSR) is a free home finding service of Home Buyers Marketing II, Inc. (HBM II) a licensed real estate company. HBM II provides the Report directly to homebuyers through a secure, password-protected online service.
© Copyright 2003, Home Buyers Marketing II, Inc.
Colorado Western Real Estate
421 N Main St #315 Pueblo, CO 81004

Dena Stevens Office: (719) 546-3700 Fax: (719) 546-3701 dena@coloradowesternland.com As a real estate professional, I am involved in a strategic relationship with Home Buyers Marketing II, Inc. (HBM II). HBM II's role is to provide area homebuyers with an innovative and FREE home finding service called the Home Buyers Scouting Report®.*

*In some markets not all of the listings, addresses, mapping & other property information is available because of local rules and regulations. The Home Buyers Scouting Report® (HBSR) is a free home finding service of Home Buyers Marketing II, Inc. (HBM II), a licensed real estate company that provides the Report directly to homebuyers through a secure, password-protected online service.
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Washington Update .......... Loan Limits & Tax Credit

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Fri, 06 Feb 2009 19:39:57 -0600

I'd like to thank my friend George Souto for this explanation. This is very timely and important to understand.

Via George Souto (McCue Mortgage Co.):

As some of you might know by now, the House passed a stimulus bill last week. In my opinion the two key provisions of the House bill is the restoration of 2008 loan limit sand new tax credit. The Senate has not yet passed the entire Stimulus Bill but passed an expansion of the tax credit proposal on 2/4. The proposal would be available to all purchasers (not just first-time homebuyers). The key elements are:

A tax credit in the amount of $15,000 or 10 percent of the purchase price (whichever ever is less), with the option to utilize it all in one year or spread it out over two years with no repayment, unless the house is sold within the first two years.

The tax credit is available to all purchases of any home from date of enactment for one full year.

Able to claim the credit against the 2008 tax return.

Buyers must occupy the homes for two years as their principal residences.

Purchases of homes by investors are not eligible.

Terminates the previous $7,500 Housing Tax credit on the date of enactment.

It is expected that the Senate will pass its entire Stimulus Bill by this week-end. If that happens the House and Senate will then have a conference next week to work out the differences between their bills.

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Green Drinks International ~ Pueblo Style

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Wed, 20 Dec 2006 13:14:21 -0600

The first meeting of Green Drinks International ~ Pueblo Style met Tuesday night 12-19-06 at The Gold Dust. This is a social group of like minded people who are concerned about the environment. Some of the things discussed were "Agree to Disagree" and "No Criticism". To "agenda or not to agenda" is still being debated. Plans for more meetings can be found at www.greendrinks.org. Click USA / Pueblo Everyone is invited to the next meeting and bring friends

Thanks to everyone In attendance:

Jame Trujillo Home Inspectors of Southern Colorado, Inc

Pam Simmons Allied Building Supply

Tisha Cassida "That's Natural"

Dr. Donna J. Hinders

Shelley McPherson American Wiping Rags / The Rag Lady

Lou Lile PuebCO Properties - Realtor

Dena Stevens PuebCO Properties - Ecobroker

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A confluence of misconceptions

Dena Stevens ~ Ecobroker ~So. Colorado Realtor (Colorado Western Real Estate) — Mon, 16 Apr 2007 20:52:24 -0500

When you flew to Denver did you expect to see ski lifts next to the airport parking lot? John Denver music piped in by the city?

When you packed for Los Angeles did you take your expensive sunglasses so you can blend into the group of movie stars?

When you drive to Southern Colorado do you expect to see adobe buildings, cactus lined streets and strolling guitar players?

Southern Colorado is a blend of prairie, high plains and mountains. Pueblo sits in the confluence of Fountain Creek and the Arkansas River. Once part of or owned by Mexico, Texas, Portugal, France. Ft. Pueblo's history goes back to 1842. Largely settled and rebuilt after the 1921 flood. Large groups of Italian Americans were brought in and promised work with the Steel Mill. Ranchers and Miners in the area battled with Native Americans and Mexicans. During the time of rebuilding and settling the area now known as Pueblo was once five separate cities. Also know as the Home of the Hero's, and Home of the Government Pamphlet. Southern Colorado is a confluence of people and cultures.

As you sight see in Southern Colorado visit : The Pro Bull Riders Association, Historic Arkansas River Walk, The B Street Bash, The Pavilion, Jorges, Gaetanos, Paganos, The Pass Key, Rosemont Museum, Do Drop Inn, Walking Stick, The Royal Gorge Bridge and other unique attractions in the area. There are an abundance of turn of the 20th century homes from La Junta, Trinidad, Canon City to Pueblo.

So come visit, keep an open mind and enjoy the variety that Southern Colorado has to offer.

These pictures are of Robinson Mansion on Riverside Dr. and 4th Street in Canon City.

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