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Find Out About the Latest Highlands Ranch, Parker and Denver Area Homes for Sale Before Anyone Else! You can register for new listing alerts, save neighborhood searches and bookmark homes you are interested in. I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the Highlands Ranch, Parker and Denver, Colorado area MLS, and even later on the national listings web sites, if at all. By signing up to receive my latest listings, I'll send you an email notice as soon as my latest homes for sale go online. You'll find out first, before other Highlands Ranch, Parker and Denver buyers. There is absolutely no obligation, and this service is free of charge. Don't miss out!  
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First Time Buyers >Good Faith Estimates
Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.
If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.
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| Q |
Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?
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| A |
Lender in these states must pay interest on funds held in escrow accounts. |
 See More Real Estate Trivia > |
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Erica Chouinard
Coldwell Banker Residential Brokerage
8490 E. Crescent Parkway
Greenwood Village, CO 80111
Direct Cell: 720-233-6481
Fax: 720-221-0661
Office: 303-409-1300 ext 1226
My Assistant, Lisa: 303-671-1387
Direct Email: Erica@DenverCoHomes.com
My Assistant's Emal: Lisa@DenverCoHomes.com
When I first began my real estate career in 2001, I saw it as an opportunity to work with all kinds of people while helping them during one of the most important decisions in their lives, the purchase or sale of a home. Selling real estate has evolved into much more than just a business career: it is an experience I treasure everyday.
Patience balanced with perseverance is the approach I use with my clients in regards to their real estate needs. This involves taking the time to discover the client’s must have's plus their wish list while also educating them in all the details associated with buying and/or selling a home.
Aggressive negotating and a high level of professionalism are paramount in my business philosophy. With four full time agents and a full time assistant, you can rest assured your real estate needs will be taken care of!  
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