Linda Schneider
800-607-3838 ext 4020
970-227-0998
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Property Spotlight
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Drake For Sale
$39,900
0 Beds / 0 Baths
| Awesome views and huge potential for a great home site. This is an opportunity for someone to build their dream home and have a manageable commute to Loveland, Fort Collins Estes Park... more >>
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Estes Park For Sale
$45,000
2 Beds / 2 Baths
| Real Estate at its best! This is a beautiful property!.. more >>
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Estes Park For Sale
$148,900
0 Beds / 0 Baths
| One of the prettiest lots in Estes Valley! Towering pine trees and views of Twin Sisters, this property will surprise you! Level building site, Paved Street, city utilities close by... more >>
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Estes Park For Sale
$165,000
0 Beds / 0 Baths
| Quietly perched on a private cul du sac in Carriage Hills is this super building lot. 360 degree mountain views, and Estes Valley. Gently sloping with ponderosa pines. Water, sewer and gas available... more >>
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Estes Park For Sale
$169,000
0 Beds / 0 Baths
| Quietly perched on a private cul du sac in Carriage Hills is this super building lot. 360 degree mountain views and Estes Valley. Gently sloping with ponderosa pines. Water, sewer and gas available... more >>
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Estes Park For Sale
$169,000
0 Beds / 0 Baths
| In search of excellence? Nearing completion and just in time to choose finishing touches is this 4 bedroom attached home loaded with extras ... more >>
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Estes Park For Sale
$197,000
2 Beds / 2 Baths
| Relax on your private deck and enjoy these views! 2 bedroom, 2 bath Estes Park condo with garage... more >>
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Estes Park For Sale
$199,000
0 Beds / 0 Baths
| Stunning unobstructed views of Rocky Mountain National Park and Estes Valley from this gently sloping lot that is a frequent favorite for the elk and deer overlooking ponds and green belt... more >>
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Estes Park For Sale
$199,000
0 Beds / 0 Baths
| A very special property! BUILD YOUR DREAM HOME on this estate lot in Kiowa Ridge with exceptional mountain and lake views, bordering large private green belt with ponds, where wildlife abounds... more >>
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Drake For Sale
$224,500
3 Beds / 1 Baths
| Secluded deck looks out over private 5 acres with expansive mountain views. 2 bedrooms, plus bunk house in perfect condition. Kitchen with breakfast bar, hickory cabinets, wood floors... more >>
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Durango For Sale
$229,000
0 Beds / 0 Baths
| Real Estate at its best! This is a beautiful property!.. more >>
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Estes Park For Sale
$259,000
3 Beds / 2 Baths
| Ready for you now! Located within walking distance of downtown, this 3 bedroom condo features main level master suite, kitchen and dining areas with hardwood floors, vaulted ceilings and fireplace... more >>
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Estes Park For Sale
$273,000
2 Beds / 2 Baths
| Real Estate at its best! This is a beautiful property!.. more >>
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Estes Park For Sale
$274,500
3 Beds / 3 Baths
| Real Estate at its best! This is a beautiful property!.. more >>
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Estes Park For Sale
$275,500
3 Beds / 2 Baths
| Real Estate at its best! This is a beautiful property!.. more >>
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Estes Park For Sale
$276,000
3 Beds / 3 Baths
| Beautiful 3 bedroom, Ranch Meadow Condominium. Excellent condition, in a wonderful location with Continental Divide views. Open floor plan with vaulted ceilings, hardwood floors, fireplace... more >>
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Estes Park For Sale
$299,900
2 Beds / 2 Baths
| Real Estate at its best! This is a beautiful property!.. more >>
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Estes Park For Sale
$303,000
2 Beds / 2 Baths
| Real Estate at its best! This is a beautiful property!.. more >>
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Estes Park For Sale
$323,000
2 Beds / 2 Baths
| North End Lakeview Condo at Marys Lake Lodge. Overlooking Marys Lake, this corner,end unit condo offers the very best panoramic mountain and lake views at this popular resort... more >>
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Estes Park For Sale
$329,000
3 Beds / 2 Baths
| A great vacation or year round property! Comfortable Mountain contemporary, like new, with 1.45 acres to roam, bordering Rocky Mtn National Park... more >>
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Home! What
Is My Home Worth? Help Me
Relocate!
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CALCULATOR DIRECTORY
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Real Estate Calculators
These calculators are for you to use at your own discretion and you are
cautioned and warned to seek advice from certified public accountants or other
professionals in all financial matters. This website is not responsible for decisions
based on this data. These calculators are not intended to replace professionals in the fields necessary for real estate purchases including but not limited to licensed attorneys,
accountants and REALTORS ETC Now that we made our attorneys happy.. GO USE EM!
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Mortgage Payment Calculator
What will your monthly mortgage payment be?In
the market for a new home? Find out how much you re likely to shell out each
month for a new address.
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How Much Home Can I Afford?
To arrive at an "affordable" home price, we followed the guidelines of
most lenders. We've allowed a total debt-to-income ratio of no more than 36%.
And we have assumed a housing payment-to-income ratio of 28% for our
conservative estimate, and 33% for the aggressive one. Before buying, however,
you should also factor in other savings needs, including retirement and college.
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Renovation Wizard - Should You Remodel?
Will it be worth it to remodel that room? Using this wizard, you can find out what percentage of return you can expect to get back from remodeling a room!
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Refinance Calculator - Should You Refinance?
KNOWING EXACTLY
when is the perfect time to refinace would require a bit
of psychic ability on your part. That's why many experts say if you find a good
deal that saves you a significant amount of money, it's probably not worth
trying to beat it by predicting mortgage-rate moves.
So what rate would you need before refinancing makes sense? That's what this
worksheet is designed to tell you. One thing to keep in mind, though: The
interest rate isn't the only thing to consider when shopping for a new loan.
Refinancing, after all, isn't free. There are the bank fees, the bills for a new
appraisal and inspection, your lawyer's fee you name it. This worksheet will
help you figure out how much you'll save on your monthly payments with a lower
rate and how long it will take, given those savings, to repay the cost of
getting a new loan.
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Prepayment Calculator - Should You Prepay?
YOU'VE GOT SOME EXTRA CASH?
Should you invest it or use it to pay down
your mortgage? Look at it this way: When you prepay part of your mortgage, you
end up paying less in interest. But in the bargain, you also lose part of your
mortgage-interest tax break. Your true savings, then, can be expressed as the
difference between your mortgage interest rate and the rate at which you take
your deduction (a function of your total marginal tax rate). If that net
percentage figure is less than the amount you could make investing the cash,
you're better off investing it.
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Fixed Vs Arm Calculator - Fixed Rate or Adjustable?
WHICH TYPE OF LOAN
is best? That depends several factors: how long you
plan to stay in your home, your interest-rate outlook, your budget, and your
tolerance for risk.
Adjustable-rate mortgages are initially cheaper than fixed-rate loans. And
they can be a good deal if you know you're going to stay in your home for a
relatively short period of time. But you run the very real risk that interest
rates could rise sharply and drive up your monthly payments. Fixed-loans, on the
other hand, cost more but offer no surprises. And for many, that comfort is
worth the added price.
To figure out which is best, you've got to consider both your best and your
worst-case scenarios. Our worksheet can help. Just fill in your numbers and then
use the graph and "compare" feature to evaluate your fixed and adjustable
options based on the total amount of interest paid as well as the amounts of
your first and last payments.
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Points Calculator - Points or No Points?
WHEN IT COMES to mortgage points
, it pays to keep score. Be warned, though: It can get tricky. The term points has multiple meanings in the mortgage world.
Mortgage points can refer to loan origination fees (fees charged by the underwriter) or discount points (also known as loan discounts). The worksheet below focuses on discount points, which represent 1% of the total loan amount. By paying a discount point, you can lower your interest rate. Consider it prepaid interest.
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Credit Rating Estimator
Mortgage (and other
loan) qualification is increasingly being done by means of "credit scoring."
This is a mathematical analysis which considers many different aspects of your
credit history -- late payments, delinquencies, tax liens, etc -- and expresses
it as a single number, or "grade."
This JavaScript
calculator will "score" your credit using the number of late payments you have
on various credit accounts. This isn't a true "credit score," but will give you
a pretty good idea of how you'd fare. Please note
that different lenders
may count late payments older than 12 months against you; ours doesn't. And
different lenders may assign you a higher or lower score, depending on their
internal underwriting requirements.
Instructions:
Simply make your selections from the dropdown boxes in the table below. Your
credit grade will be automatically upgraded whenever a selection is
made.
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Buy Vs Rent Calculator - To Rent or to Buy?
THINGS BEING EQUAL it's almost always better to own your home
rather than to rent. After all, you build equity and get to write off your mortgage interest. And if you play your cards right, when you sell you'll be eligible for one of the best tax breaks around. But that doesn't mean that everyone should be a homeowner. If your move is short-term or if interest rates are high and property values outrageous, it may be worthwhile to deal with a landlord for a while. Our worksheet will help you determine which path is best.
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Net Worth Calculator -
WHERE DO YOU STAND financially?
When it comes to estate planning, figuring this out is your first step. And chances are, once you're done with this calculator you're going to be surprised at how much you own.
The idea here is to total up all of your assets (house, car, retirement plan) and subtract your liabilities (credit card debt, mortgage). The result can be used as a baseline about planning for the future. Remember, however, this calculator does not account for any taxes owed on proceeds in an investment portfolio or retirement account.
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Compound Investment Calculator
Your investments will grow
especially well if you reinvest the profit. You can see how your investments will grow over time if allowed to grow.
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