Nice to meet you! November 27, 2009

My name is Erin Rose and I am your local real estate agent here in the Highlands! I fell in love with the area one day while I was out, getting lost, as I so love to do- especially with our fantastic gas price phenomenon. I ended up on 32nd Street after trying to find a short-cut to Sloan’s Lake where I wanted to go jogging with my puppy (my furry-faced, cairn terrier, happy-go-lucky, life partner) Bugz Bailey.

One month later, I negotiated a deal with some friends on renting out a couple rooms on a lease-option agreement where they could participate in the appreciation instead of throw their money away on city $$$$rent$$$$$ and – poof – we became Highlanders )

I am an ambitious, vivacious, go-getter with a tank full of energy and a smile you can’t wipe away. You can easily find me at the closest coffee house, meeting the locals or reading my latest “How to… ” or “Dummies” book on my latest challenge or obsession while sipping an iced vanilla latte (*with whip cream and chocolate sprinkles.)

My real estate business is basically conducted at the same location- so if you see a hot blond agent passing out closing gifts that kick even rich Aunt Susie’s Christmas gifts- that’s me* Come say hi!I would love to meet you and help you find whatever it is you are looking for. And, of coarse, sell whatever it is you are trying to get rid of. I’m a fan of cooking up a little something special during open houses to keep people around- so you will either end up with a bunch of offers or a lot of left-overs. You name it, and I’ll bring it.

I am a very dedicated agent, but a bit of a goof at the same time. I love my job and I have a blast doing ALMOST every aspect of it. My first deal was on a house for my amazing parents and, lets just say that after working with relatives, nothing you ask for or demand will surprise me- I can do anything, find anything, and accomplish it all with ease. No really, I’m serious. That first deal was like closing 100 different deals because they had nooooo ideaaaaaa what they were looking for. Honestly, I think they were just excited to have an agent in the family so they wanted to support me and go buy something. j/k. We looked at income property, fix and flips (which terrified my mother- too funny), apartment complexes, lofts, ranches, car washes, storage centers, land, a cabin in Estes Park, a ski condo in Keystone, you name it…

As a younger agent, you may be surprised by some of my tactics. This is a new era of real estate and recipe cards and flower seeds aren’t quite as enticing as I’m sure they used to be. I am a mad blogger and I know my way around the WWW like a seasoned pro. I’m a bit of a geek = for your greatest benefit! When I Tweet and Flickr your house, your going to have to trust me.

As a Colorado girl, I’m down-to-earth, confident, fun, happy, and romantic. I live my life to the fullest and I try to capture it all on film (See my Flickr page!) I’ve been on safari in Tanzania, sailed the Caribbean, climbed mountains in South Africa, and camped on the porch of my loft downtown. I’m a people-person, a life-student, a loving daughter and an independent woman*

Moving Quote November 20, 2009

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Neighborhood Information November 20, 2009

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Mortgage Glossary November 20, 2009

adjustable-rate mortgage (ARM)
A mortgage that changes interest rate periodically based upon the changes in a specified index.

adjustment date
The date on which the interest rate changes for an adjustable-rate mortgage (ARM).

Your Credit History November 20, 2009

As part of the loan application process, virtually all lenders will want to see a copy of your credit report. The report will list all your long-term debts (credit cards, mortgage payments, automobile and student loans, etc), as well as your payment history. If you don’t have a copy of your credit report, most lenders will generally require you to pay for a copy when they process your loan application.

Getting Your Finances in Order November 20, 2009

A crucial step in starting your search for a new home is having a clear idea of your financial situation. By getting a handle on your income, expenses and debts, you’ll have a much better idea of what you can afford and how much you’ll need to borrow.

How Much Can You Afford? November 20, 2009

Understanding how much you can afford is one of the most important rules of home buying. Depending on your individual situation, your budget can affect everything from the neighborhoods where you look, to the size of the house, and even what type of financing you choose.

All About Adjustable-Rate Mortgages November 20, 2009

Adjustable-rate mortgages (ARMs) differ from fixed-rate mortgages in that the interest rate and monthly payment can change over the life of the loan. ARMs also generally have lower introductory interest rates vs. fixed-rate mortgages. Before deciding on an ARM, key factors to consider include how long you plan to own the property, and how frequently your monthly payment may change.

When Should You Pay Points on a Loan? November 20, 2009

When it comes to comparing interest rates for a mortgage loan, homebuyers often have the option of choosing a loan with a lower interest rate by paying points. Simply put, a point is equal to 1 percent of the loan amount. For example, with a $100,000 loan, one point equals $1,000. Points are usually paid out-of-pocket by the buyer at closing.

How Mortgage Loans Work November 20, 2009

Excluding property taxes and insurance, a traditional fixed-rate mortgage payment consist of two parts: (1) interest on the loan and (2) payment towards the principal, or unpaid balance of the loan.