The Government’s Revamped HARP Program For Underwater Homeowners

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The Government’s Revamped HARP Program For Underwater Homeowners

The Federal Home Finance Agency announced big changes to its Home Affordable Refinance Program Monday. More commonly called HARP, the Home Affordable Refinance Program is meant to give “underwater homeowners” opportunity to refinance.

CHFA – The Second of the Five Most Important Loan Programs

This Month I will highlight the second of the five most important loan programs about which consumers need to know. The Colorado Housing and Finance Authority or CHFA was created in 1973 by the Colorado Legislature to address the shortage of affordable housing in the state. Since then, CHFA has established itself as the front-runner […]

Foreclosure versus Short Sale

In these difficult economic times, I am commonly asked whether it would be better to have a short sale or a foreclosure on ones credit report. The answer is complicated and has lot of moving parts.  A short sale shows up on your credit report as a “derogatory report”; however, it will usually show up […]

Steps To Get and Keep a Good Credit Score

Pay your bills on time- Pay your bills on time, every time! One way to make sure your payments are on time is to set up automatic payments on the creditor’s website or from your banking institution. Make sure that you have enough funds to clear the account, otherwise the account will show late. Also, […]

Surprising tips to raise your credit score

Here are powerful tips to raise your credit score  We recently read an article on MSN.com that outlined tips to increase your credit score.  As you all know, we believe that knowledge is power, and that is why we live by our motto:  “Knowledge is Key.”  In the article, “Credit score tips that don’t make […]

Reverse Mortgages – The First of the Five Most Important Loan Program

What are some of the best loan programs available today? Remember that Knowledge is Key – and we want you to know about all the various loan programs available to you. We want you to choose the loan program that will best serve your long-term needs.   Over the next few weeks, we will publish guest […]

Great Short Sale Debate: Reflections from Linked In

As part of our series on Short Sales, we posed some questions to the Linked In community and I thought the questions and answers were worth sharing. As we have discussed, short sales can be a positive solution by helping one avoid foreclosure. Owners facing foreclosure have some hope and a way to relieve some of […]

Credit Scores and Reports — Knowledge is Key!

Your credit report shows information about how you have used credit, such as how much credit you have, how much of your available credit you are using, whether you have made your payments on time, and whether anyone has sent a loan you owe to a debt collector.A credit score is a number that is […]

Buying a House? Don’t Buy a Car – or Did You Already Buy One?

When an individual’s income starts growing and they manage to set aside some savings, they commonly experience what may be considered an innate instinct of modern civilized mankind: the desire to spend money. Since North Americans have a special love affair with the automobile, this becomes a high priority item on the shopping list. Later, […]

Shopping for a Mortgage Loan – Not Really About Price

Since the “Mortgage Meltdown” in late 2007, the rules around shopping for a new mortgage loan have changed significantly. Understanding the reasoning behind these changes and asking your loan officer essential questions can save you hours of time and disappointment when looking for your next home loan. To set the scene, we must first look […]

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ALARIS Properties LLC, 25958 Genesee Trail Rd, Golden, CO 80401

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