The Simple Life’s Market Insider Program
Take the stress out of purchasing a property
Are you interested in buying a property in a Colorado mountain community or the front range? Many of our clients came to us because they were frustrated by the multiple offers and bidding wars that are happening every day. In this market, you need a real estate team with the experience, local insights and the connections to make this process simple.
The Simple Life Teams bring a fresh approach to Colorado real estate with our Market Insider Program that includes:
- Access to off-market listings, helping you to avoid bidding wars
- Deep market knowledge to help you avoid unexpected hurdles, surprises, and expenses once you buy
- Our commitment to sell your home for free if you are not satisfied with your purchase within 12 months
That’s a tough question… so here’s an example: if you earn $56,516 (the average household income) you can afford $1,695 in total monthly payments, according to the 36% rule. This rule, which measures your debt relative to your income, is used by lenders to evaluate how much you can afford. But remember, items like credit card balances, car payments, medical bills, etc, can affect what you’d be comfortable affording. You don’t want to be “house poor” and not have money to do the things you love!
YES! Go to the IRS website and read Publication 530 titled Tax Information for Homeowners… or ask us and we’ll tell you what we know. Things like loan discount points, mortgage interest, real estate taxes and loan origination fees are often deductible on taxes.
You can purchase points on your mortgage loan to lower your interest rate.
It is an Adjustable Rate Mortgage. The initial interest rate is usually low but as interest rises, so does you payment at various intervals. It’s a great way to get into a home for a smaller payment IF you think interest rates are stable (and will remain that way) or you think your ability to pay more will increase over time. You can also usually refinance and get into a conventional, fixed rate mortgage along the way. But beware – there are lots of different ways these are done – we’ll help you navigate through this paperwork to make sure you know all the ins and outs.
YES! Here are a few: FHA (and section 203K), USDA, VA, Good Neighbor Next Door, Fannie Mae, Freddie Mac, Energy-efficient Mortgage (EEM), Native American Direct Loan, Homes for Heroes… Tell us about your situation and we’ll try to find a program to benefit YOU!
NO – before any bank can offer an FHA loan, they must be approved by the Department of Housing and Urban Development. So shop around.
The Simple Life, Brokered by eXp Realty offers a program called Homes For Heroes to save “everyday heroes” money on buying a home. Heroes like teachers, emergency responders like EMS, Fire, Law Enforcement, doctors, nurses and Veterans can qualify. Ask us more about this program.
A VA loan is available to eligible veterans, as well as active duty service members and their families. These loans are available through the Veterans Administration and require no down payment or mortgage insurance.
Getting pre-qualified for a home loan requires that you select a lender to work with for your loan. They will ask you some preliminary questions and if all looks good, they will promise to let you borrow up to a certain amount of money at a specific interest rate. But remember, this is subject to the property you select appraising for the correct amount, etc.
Pre-qualification can make the difference between getting a home and losing out in a “hot” market. If all things are equal – sellers will choose a pre-qualified buyer if multiple offers are received. It shows you are serious about buying and is likely to give you an advantage over other buyers.
The Federal Housing Administration offers mortgage loans where you only have to have a 3.5% down payment. These loans are usually easier to qualify for and normally have a slightly lower percentage rate. Additionally – you only need a 580 credit score for an FHA loan… but the higher your score, the less interest you’ll have to pay. But know this – you can only have one FHA loan at a time. It’s perfect for a first-time homebuyer!
The more the better – obviously. Most lenders prefer 20% or more for conventional loans, but there are loan options where you can put down less. Do too little and you might have to pay for mortgage insurance… talk to your realtor to explain it all to you.
What our customers have said
Carla and Mike Walker - Owners Hideaway Mountain Lodge
More than just realtors! The Simple Life Real Estate Company earned our respect and gratitude by being there through every step of the process.
Parnell’s knowledge of Fraser Valley was instrumental in allowing us to acquire the home and business of our dreams.
Zillow review Lucyloo725
We have purchased several homes in our lifetime.
But this experience was different in that the entire company embraces you and holds your hand through the process.
I’m not the type to write reviews.
I think they’re biased and forced. With that being said, the simple life real estate company was a pleasure to deal with.",
"Megan and Parnell are some of the nicest, informative, and respectful people I have ever dealt with on a professional level. They made the whole experience of buying and selling a house in Grand County enjoyable. A real estate team such as The Simple Life gives you a feeling of security like dealing with a close friend.
Their local knowledge is unmatched.
They constantly stay abreast of developments not only in the market but also in changes in the law. They are able to streamline the buying and selling process and give you confidence in your purchase. I highly recommended these two consummate professionals.
Their extensive knowledge of Grand County and the homes they were showing was invaluable to our home buying process. Would highly recommend them!
Their professionalism, talent, expertise, and down home approach make for the best real estate experience my wife and I have had to date. They receive our highest recommendation.
Mike & Simone
It was obvious from the beginning that Megan and Parnell were on our side.
They listened to our needs and delivered 100%, even when it did not benefit them. We felt confident that they knew the areas we were looking in and they have a huge ties to this great community. They went up and over to make sure everything was perfect, easy and stress free.
Deb & Mike
If you want a home in Grand County – there’s no better realtor than Parnell Quinn.
He was born there. He was raised there… so he knows the people and the history of the area. He didn’t try to SELL us… he showed us what we asked to see, told us what he knew about the house/neighborhood/etc (even introduced us to neighbors and let us ask them questions), listened to our “must haves”… and then ended up finding us the perfect property that we didn’t even know we were looking for! ha.
He also sold our ski cabin the first weekend it was listed. I’ve owned numerous homes but never have I experienced this level of service. He DOES make it SIMPLE!
Colleen & Jon
Our realtors were the best we have ever worked with, sincerely!
They had an excellent process for helping us, as buyers, separate out simple cosmetic issues from real life safety issues. And prioritizing the same. They were able to negotiate a price for us which immediately gleaned us equity in our new home purchase.
They possess not only great technical skill, but rare people skills as well. Parnell knew when we were concerned about timing and specific details and was able to calm our nerves. Both Megan and Parnell remained positive and upbeat through the entire home buying process. We even closed early and we’re finally in a permanent home after being on the road for six months. Unequivocally recommended by us both. And have our thanks!