I was asked the following question when showing one of our VA (Veterans Administration) owned properties:

 ”Are you familiar with the Vendee Program in which Bank of America offers to buyers? And I am curious if you’ve had real estate deals involving the Veterans Administration.”

Since we are witnessing more and more Veteran Administration-owned properties in the real estate market, I assume that many more people have the same question or are unaware of financing that they may in fact qualify for. 

Vendee financing is a program Veterans Admin offers to help finance VA REO (bank-owned) properties. The appeal of this is the times when a VA loan product or program is offered to non-veterans.

According to the Department of Veterans Affairs, there are two terms available; a 15 year and a 30 year.  The terms include 0% down if the property is an owner occupied purchase. The loan can increase, but the funding fee may not be financed.  For non-owner occupied purchases, at least 5% down is required.

Regardless of whether the purchase is classified as an owner occupied or not, the type of home loan is a ”credit score driven product”.  However, for non-owner occupied purchases, the Depart of Veterans Affairs insists buyers prove they have experience in property management and must include estimate rent amounts when providing loan documents.

For qualified investors, a big part of vendee financing is the fact that there are no limits on the amount one can buy under the program- if there’s a list of properties available under vendee financing, you can add what you’re able to invest in.

The VA does not give loans; rather, they guarantee the loans of qualified borrowers. Because of this, lenders are more willing to offer lower interest rates or take risks on applicants with questionable credit. In the event that a loan goes into default, the VA pays off the mortgage , takes possession of the house and lists it for resale.

Again, this program applies to properties in the VA’s inventory of foreclosed homes only.   Contact me to find you  VA listings in your area and I can assist you in how to obtain financing and get you into a great deal on a VA-owned home.

Really?  Not a short sale?  Not a foreclosure?  It’s called a ” Deed in Lieu of Foreclosure” which actually lets a homeowner voluntarily turn over the deed to their house to the lender!    This is not a new concept, however, neither is foreclosure, but this crazy real estate market we are living in now requires that you cover all you bases before making a final decision on how to get out from under your mortgage.  Even thought the federal government launched some new rules earlier this month concerning short sales, some homeowners might not quality for a short sale because they have no hardship. Could this be you?  Read on please….

A Deed in Lieu options sometimes allows the homeowner to negotiate more favorable exit terms than a foreclosure allows.  It is a signed written legal instrument that is used to grant a right that will convey all interest in your property to the mortgagor to satisfy a loan that is in default, ultimately avoiding foreclosure.  If you have already declared bankruptcy, however, and your home is part of the bankruptcy, a Deed in Lieu will not apply. After talking to a short sale facilitator recently, I found out that If you are contemplating bankruptcy sometimes it’s best to settle your real estate affairs, either with a short sale or deed in lieu prior to filing for bankruptcy.  You should always professional legal and accounting advice before making your final decision.  

Here are few of the advantages that I found for both the borrower and the lender:

Advantages for the homeowner:

• The borrower is immediately released from “most” or all of the personal indebtedness
• The borrower avoids the public notoriety of a foreclosure proceeding
• The borrower may receive more generous terms from the lender than if they went into formal foreclosure
• The borrower’s credit might be hurt less than with a foreclosure, however, if you are concerned about your credit, a short sale is the best alternative.  The bank still has to re-sell your house with a Deed in Lieu to recoup their costs, it’s a close cousin of foreclosure.
• The borrower might be able to stay in the house a few months longer

Advantages for the lender:

• Lender has a reduction in the time and costs of a repossession
• Lender has a lower risk of owner revenge (vandalism before sheriff eviction), although lenders have the option of coming after the homeowner if there has been vandalism). Remember in your mortgage contract….there’s this clause that says..you will maintain the property and not damage it.
• Lender can potentially save tens of thousands of dollars in legal fees and other costs associated with foreclosure

Contact your lender and discuss your options before it gets too far down the road.  As always, communication is “crucial” with your lender to get maximum outcome.  Here are some things you should also know in order to be considered for a Deed in Leiu of foreclosure:

• Both lender and borrower must enter into this agreement voluntarily and in good faith – which means with honest intentions
• The value of the agreement between you and your lender must be at least “fair market value of the home”, which is the estimated value that a knowledgeable, unpressed buyer would pay a seller in the current real estate market.
• Sometimes the lender will agree to a Deed in Lieu even if the amount owed on the mortgage is more than the current fair value, because they will end up with the property anyway
• Lender will want the borrower to sign a written offer of conveyance stating that the offer and negotiation is being done voluntarily.  The will prevent either party from presenting evidence that contradicts or adds to the written contract and will protect the lender from a  possible claim that the lender acted in bad faith or pressured the borrower into the settlement.
• Get in writing from the lender “debt forgiveness”  otherwise they may come back and ask the for difference.

One more important thing to note is  “document everything”, from phone calls to certified letters and please don’t forget to have an attorney help you with the negotiations. I wouldn’t suggest negotiating this alone.

As a Realtor on the Troia Team in Boulder Colorado, we are doing our due diligence to educate ourselves and our clients as to what the options are for them.  We know how hard it can be, we’ve worked with many home owners and understand the complexity, complications and the anxiety that are a part of our real estate world today.  How may we help you?

The following is a true story.

  I have a family member who bought her home in 2005.  The economy was better then and real estate was hot in Boulder Colorado.  Prices were high, inventory was low, and banks were more lenient with loan qualifications.  She makes over $50,000 and has a steady job.  However, she just had a baby and would like to buy a bigger home.  As expected, she got her home ready to list and had the home appraised first in order to determine a price. 

What do you guess happened?  Click here to find out.

The home under appraised for the amount she owed.  This means that unless she absolutely has to sell (short sale), then she’s stuck.  It doesn’t matter that her job is secured or that she makes enough money from a stable company or that her credit is unscathed.  Home values went down in her area for whatever reason and she was struggling with what to do.  Renting her home out was one option but in order to loan on a second house, she would need 25% down.  Not impossible, but a stretch.  She thought about short selling then renting a larger home for a couple of years, but why damage her credit? It’s tough out there people, but new hope is imminent as the government plans to “shrink” home loans.  The plan will allow mortgagors who owe more on their mortgages than their properties are worth, get new loans backed by the Federal Housing Administration.  Participating mortgage companies such as Bank of America will slash the amount owed and the homeowner will receive an incentive.  Also, the plan includes help to families who have suffered a job loss with temporary assistance.

STATISTIC: Nearly one in three homeowners are under on their loans!

Possible plans: monthly payments would be reduced by lowering mortgage rates to as low as 2 percent for five years and extending loan terms up to 40 years. To complete the program, homeowners need to go through a three month trial period and provide proof of their income, plus a letter documenting their financial hardship.

Though $75 billion in funding is available to the more than 100 lenders who have signed up, only a tiny fraction has been spent. Lenders had received $58 million in incentive payments as of last month, according to the Government Accountability Office.

So, do you suffer from the economic crisis through no fault of your own?  Join the club, but take advantage of this plan!  Subscribe to our site for up to date mortgage and real estate information.  Do you want to know if you qualify?  Let us know and we will help.

Just what defines a home remodel going eco friendly?  It’s important to know if you are a home buyer and a home seller.

If you are a home buyer then this will help you know what to look for when house shopping.  Sellers wanting to increase the value of their home and attract more buyers, need to be aware of what the new earth loving trends are.

Being a real estate expert in Boulder Colorado and Boulder County, we are witnessing a revolution in green building.  This is not a passing trend, but in my opinion, a change in how we build and remodel.

This blog is dedicated entirely to flooring! Yes, aren’t you lucky?  Eco flooring options are numerous and fun to talk about so let’s get started!

From my experience, an eco friendly renovation would be defined as any home improvement that uses sustainable and natural materials.  Supplies were bought locally and independently owned contractors were hired.  Recycled items are used as much as possible . Disposal of items should also be earth friendly; recycling old materials and reselling them as well.  For starters, choosing to remodel instead of building a bigger home somewhere else, is a great start.  That in itself is environmentally friendly.  I see more and more people every day and all around the world becoming more conscientious about the safety of their home and how the earth was considered in its reconstruction.

Floors - a huge selling point in a home.  Do you prefer carpet, tile, or hardwood?  Let’s start with carpets. One brand of green carpeting is called Smartstrand and its made from corn sugar!  Can you believe it?  And it takes 30% less energy to produce than the old nylon carpeting.

Other carpets to consider are made from recycled bottles.  I love it!  Listen to this, according to Mohawk Flooring, they developed a manufacturing process to turn PET containers into carpet. The making of everSTRAND™ starts out by sorting PET bottles and then grinding them into small chips. The cleaned chips are then melted down and extruded into fiber before being spun into carpet yarn. Mohawk also uses the labels and caps from the PET containers to make the carpet core, the roll that carpet is wrapped around on showroom floors. According to their website, since 1999 they have recycled over 17 billion plastic bottles and that’s saved landfills 1 billion pounds of waste.

And what about that cork?  It’s one of my favorite choices.  Surely everyone knows about this ecofriendly flooring by now.  But in case you didn’t know, it’s harvested from a cork tree grown along the Mediterranean.  It’s harvested on a living tree, which is not harmed.  It’s not only a conscientious choice but it’s texture is unique and trendy looking.  Don’t worry….cork comes in over 50 colors and over 5 textures, you won’t compromise style.  Because cork is considered a renewable and sustainable natural resource, they can run a little pricey and their installed cost per square foot can be close to a good quality ceramic tile floor.  To me, the cost is worth it.  You’ll maximize the value of your home with these floors, be the envy of the neighbors, and mother earth will love you.

Next is bamboo.  Yes, the grass that pandas love.  There is enough for everybody because it grows so darn fast.  And, like cork, it can be harvested without harming the roots.  I think bamboo is beautiful and I love when people use it for cabinets as well.  Let the picture speak for itself.

Not so commonly heard of and the latest trend in flooring is eucalyptus.  According to durodesign, plantation-grown eucalyptus comes from sustainable, managed and PEFC-certified European forests. Eucalyptus has a smooth and refined grain with the depth and shimmer of an exotic wood and eucalyptus is 65% harder than white oak.  Sounds fascinating.  HGTV continues to explain that eucalyptus has the appearance of a fine tropical mahogany, yet it has all the “green” benefits of rapidly renewable hardwood. The eucalyptus tree is amazingly renewable and fast growing. Ready to harvest in as little as 14 to 16 years, the eucalyptus tree can grow to 14 inches in diameter and 120 feet tall in that short period of time.

Here are some excellent ideas to get you started.  And if you’re buying or selling a home and would like to know more.

Recently I was showing homebuyers around Boulder Colorado and they made an interesting comment about it being unfortunate they missed the deadline for the tax credit and they don’t qualify because this wasn’t their first home.  Just when I thought EVERYONE knew about the homebuyer tax credit!  I was quick to correct them and reassure my new clients that they can indeed still benefit from this one-of-a-kind credit.  Read more and you too can reap the rewards of homeownership in 2010!  It is a buyers market and this is opportunity should not be missed.  A fantastic time to buy!  The time to buy is now.  Ok, I think you get my point.  Get the details….

The newest provisions are aimed at broadening availability of the credit and giving the weakened real estate market a bigger boost while preventing real estate investors from being the only ones benefiting.  Many real estate experts have cited the credit as a reason for signs of recovery in the housing market late last year and hope to see another recovery in the near future because of the expansion of the credit.

The deadline was moved from November 30, 2009 to April 30, 2010, with any contracts closing before July 1st.

The other basics include:

1) The amount of the credit is $8,000 (4,000 if married and filing separately).

2) The definition of eligibility is that you may not have had an interest in a principal residence for 3 years prior to purchase.

3) Now the current homeowner amount of credit is $6,500 ($3,250 if filing separately).  The new legislation extends the credit to long-time residents of the same main home if they purchase a new main home. To qualify, eligible taxpayers must show that they lived in their old homes for a five-consecutive-year period during the eight-year period ending on the purchase date of the new home. For long-time residents claiming the credit, the IRS recommends attaching, in addition to the documents described above, any of the following documentation of the five-consecutive-year period such as mortgage payments, etc.

4) The income limits were increased from $75,000-$125,000 for single households, $150,000-$225,000 for married couples.

5) There is now a limitation on the cost of the purchased home of $800,000.

6) An anti-fraud rule is now enacted so simply attach the documentation of purchase to your tax return.

To summarize, frequently asked questions regarding the tax credit include:

1) Who is eligible to claim the $8,000 tax credit?  Answer: First-time home buyers are eligible who are buying any kind of new or resale home. The dates of purchase must be after January 1, 2009 and before April 30, 2010.  To clarify, the purchase date of the home is the day it closes and the property transfers to the new homeowner.  There is an exception; if a home goes “under contract” before or on April 30, 2010 and closes by June 30, 2010, you get the credit.

2) What is the definition of a first-time home buyer? Answer: To receive the credit, you and your spouse must not have owned a home in the last three years.

3) Are there income limits?  Answer: According to the National Association of Home Builders the income limits for sales occuring after November 6, 2009 are $125,000 and $225,000 (single and married limits).

Would you like to buy now when its a buyers market and benefit from the tax credit, low interest rates, and low home purchase prices?  Call me and I’ll walk you through the home buying process.  The tax credit is an incredible opportunity.  Don’t wait and take advantage today.

Best Deal In The Neighborhood. Price lowered to sell.

Our listing, 11793 Pleasant View Ridge in Longmont is located within the Elms Meadow Vale Subdivision and the PRICE has been LOWERED 50k!  Within walking distance to Union Reservoir and Sandstone Park, this 5 bedroom, 5 bath home really stands out with its modern and contemporary upgrades.  Conveniently located near I-25, Ft. Collins, Boulder, and Denver, the home has views from every direction and the subdivision is well-maintained with a community park.  You’ll love this home, click here to view the details.

This is a stunning home, immaculate and move-in ready with PREMIUM updates throughout.  It was custom-built in 2006 with a gourmet kitchen including slab granite countertops, butlers pantry, double oven,  and all stainless steel appliances.  The open and spacious floor plan makes it great for entertaining and family gatherings.  Beautiful hard wood floors, modern lighting, and the high-quality custom tile backsplash make this a dazzling kitchen you’ll love to cook and entertain in.  Here you’ll find access to the new patio with custom built outdoor gas grill station.  Spend many evenings from this backyard enjoying views of the plains.  You’ll often see many horseback riders right outside your back door.  This home is located on one of the best lots in the neighborhood because of its privacy.  As you can see, there are no neighbors located directly behind the home and on one side, is a well-maintained grass lot, giving seclusion to the neighbors on the south.  As we go back inside, just off of the kitchen, you’ll find the huge great room with high ceilings and fireplace.  The custom-tile the owners added around the fireplace is amazing and unique.  The high windows let in plenty of light making this an inviting room for the family to hang out after a busy day.  Just off the great room is a main level study with venetian plaster wall finish and double french doors.   Off the kitchen you’ll enjoy the separate and eloquent dining room including a raised ceiling with more venetian plaster.  It’s beautiful and admired by all guests. 

As you enter the front door, you’ll be delighted by the foyer and open staircase. 

 As you reach the top of the stairs, overlook the great room and check out the amazing views. 

Upstairs is a master suite unlike you’ve ever witnessed before.  Unique wall paint add to the contemporary feel and enjoy the ooh’s and aah’s you’ll receive from all who see it.  The master suite includes a 5 piece master bath and sitting area. 

 Again, check out those views!!!!

There are three more bedrooms upstairs with a jack and jill bathroom. Perfect for a family with children or a family who has a lot of company.  The home has over 5700 square feet which includes a new finished basement.  Many of the homes in this neighborhood do not have the basement, making this home one of a kind.  A pre-wired mother in law suite or a nanny suite is located in the new basement with a spacious 5 piece bathroom.  The tile floor is luxurious and classy.  Your mother in law, nanny or guests will be totally impressed.  The basement also includes another office or workout room.  It is also great for entertaining or family night with a gathering area and theatre/media room.  Are you a musician?  This room makes a perfect studio.  And the entrance way to this room includes a dazzling tile floor, which does not go unnoticed by any guest to the home.

  From $549,000 to                 $499,000

 Don’t miss the opportunity to see this home and call me for a showing!

Investors and first-time homebuyers are often aiming for the same goal: great resale.  I witness it all the time; buyers who need a place to live who also want to make money someday.  It’s important to know the difference in real estate investment.  It’s not always for those of us who need to buy in  order to have a place to call home.  Yes, you should buy a place in which your investment will grow over the years.  However, you need a place that’s livable and suitable to your specific needs.  On the other hand, if your angle is profits and returnsand not necessarily a place to live, then you are an investor.  This blog with help you either way.  The do’s and don’ts of real estate investing in a nutshell.

DO: hire a real estate professional like the Troia Team in Boulder Colorado to assist you in evaluating an investment property.

DONT: buy something with poor sale value such as a  location in an area with a high crime rate or near the railroads tracks.

DO: You’ve seen it on HGTV…the “fix and flip”.  Investors like to flip a property by buying a property with TLC (but not too much – nothing structural), then quickly renovating it.  After promptly putting in back and the market and selling it, the investor profits.  Luck is sometimes a factor in this deal but the success mostly comes from market expertise.

DON’T: choose something that needs a lot of structural work or an expensive new roof because these expenses add to your cost.

DO: keep your investment low so you can make a good profit.

DON’T: forget to calculate every expense before you buy.  This is how you truly know if you can afford the property and all its unexpected costs.

DO: obey all rules and regulations governed by the Colorado Real Estate Commission.  Make sure your actions are legitimate and by the book.  Again, a great reason to hire a real estate professional to handle the logistics.

Do you like the idea of being a landlord?

DO: calculate in the expenses how long you plan to own the rental.  If you only intend on owning it for five years, then you don’t necessarily have to worry about paying for a new roof. 

DON’T: forget to add it up.  If you want to hold on to the property for 15 or more years, account for that new roof, appliance updates, furnaces, and water heaters.  Make sure you’re going to recoup the cost.

DO: develop a network.  This is how you find your best deals.  Ask your friends, family, and co-workers about preforeclosures, bank-owned, and fixer uppers they may know about. 

DON’T: rule out vacant homes you see around the neighborhood and other rentals.  Give the owner a call, they just may want to get that property off their hands and sell it to you. 

DO: plan for a loan accordingly.  Investors need better credit and less debt that other borrowers.

DON’T: underestimate the money you need.  A large cash reserve is highly recommended for after the purchase of the home, as well as having a line of credit and one month’s rent for each unit.

Shopping around for the perfect neighborhood to live?  Would you like to be in walking distance to Union Reservoir or close to Sandstone Park and Ute Creek Golf Course?  Well, look no further than the private and well-cared for Elms at Meadow Vale subdivision off of County Road 5 1/2  in Longmont Colorado;  a part of Weld County.  Owner pride emanates throughout this community with wide, HOA maintained streets and park with basketball court.  I have visited this area many times and am always impressed by the views of the mountains and plains – not to mention the one of a kind sunrise and sunset views.  Looking for an easy commute to Denver, Boulder and/or Fort Collins?  This location is perfect!!!  Read more about the neighborhood and check out our new listing in the area.

As you drive alone County Road 5 and half off of the Diagonal Highway, you can’t help but feel that this is a great place to call home.  Farms are nestled amoung the newly built subdivision giving it a rural feel and allowing for the amazing views.   

No wonder our new listing is located on Pleasant View Ridge.

Location, location, location!  This area is close to perfection with the Ute Creek Golf Course within 5 minutes.  Ute Creek, designed by the world-renowned golf course architects of the Robert Trent Jones II Group, opened in 1997. This 18-hole championship course is a Par 72, ranging in length from 5,509 yards to 7,167 yards. Ute Creek is one of only six Robert Trent Jones II courses in Colorado, and the only one on the northern Front Range. Its five lakes, two creeks, multi-level fairways and native grass areas will provide challenge and interest for players of all abilities. Click here for a map and directions to the golf course.

Not a golfer or do you also prefer the water?  You’re in luck!  Union Reservoir is just minutes away with its great beaches, swimming, trails and boating activities.  The reservoir also has a fun playground and bbq areas.  According to The City of Longmont parks services, Union Reservoir is a 736 acre body of water providing many outdoor recreational activities. Originally called Calkins Lake, the reservoir was carved out during the last glacial age and is one of only a few natural lakes in Colorado. In 1903, the Union Ditch Company began drilling a tunnel to release water into the St Vrain River. According to Colorado water law, that made Union a true reservoir. Today, visitors to Union Reservoir can enjoy fishing, swimming, wakeless boating, camping, windsurfing and picnicking. The Reservoir is located approximately 7 miles west of I-25. 

 And that’s not all!  The Elms Subdivision is close to Sandstone Park which includes several playgrounds, a skate park, ballpark, and soccer fields.   What a supportive and family-friendly neighborhood!   Know what else is new?  The New Mead High School accepting 9th – 10th grades this fall.  A beautifully built structure offering the education you desire for your children.

And best of all, you can live in one of the nicest homes in the Elms at Meadow Vale neighborhood and at a great deal.  5 bedrooms and 5 baths with a mother in law suite located in the finished basement.  Custom tile dazzles throughout the modern and sleek home.  Best lot with privacy and spectacular views!  Yards and streets maintained by Elms HOA.  Come check it out.

This is important whether you’re a home buyer, seller, or agent; on July 30th 2009, the new Housing and Economic Recovery Act (HERA) laws will go into effect.  And Wells Fargo Bank states that this could impact your closing date, so read on.

Question:  What will the new law do?

Answer: It will require all mortgage lenders and mortgage brokers to help prevent deceptive lending practices and protect customers by helping them become more informed.

Question: What are the new requirements?

Answer: Wells Fargo states three; the first one includes more dates and deadlines.  There will be new timeframes for when certain disclosures are issued and when fees are collected. Secondly, there will be a minimum number of days for a consumer to review their loan options prior to closing.  Third, a re-disclosure of the Truth in Lending for any increase greater than .125% in the Annual Percentage Rate.

Question: How will they impact home purchase transactions?

Answer: According to the act, all parties need to take into account that the earliest any home purchase transaction can close is 7 business days after the home-buyer is issued his or her initial mortgage disclosures from the lender.  As a responsible Realtor, we should confirm that the buyer received the initial mortgage disclosure from their lender.

Question: What should a buyer know?

Answer: A buyer should be aware that no upfront fees are to be paid until they have received the disclosures.  This excludes the credit report fee.  Also, a buyer should receive a copy of the appraisal a minimum of three days before closing.  In my opinion, any delays with receiving the disclosures and signatures, will delay a closing.   Wells Fargocontinues to explain that buyers should obtain a credit-checked pre approval before they shop for a home.  Review the timeline and potential impacts with your home mortgage consultant so you can keep your Realtor informed.  It is wise to plan for at least a 30 day closing.  And I think that’s fast these days.

Question:  What’s a Realtor’s advice?

Answer: Research your lenders!!! Interview more than one!  Find a mortgage broker who has honest and responsible lending practices.  Ask your Realtor or friends for a referral.  Know that these new regulation and investor requirements are in place to ensure you have time to consider your loan choice and feel confident to move forward!

With the 2009 economic environment the way it is, it’s good to stay on top of the job wave throughout the Boulder Colorado area – just in case you’re thinking about moving here. The Boulder Camera always puts together it’s picks for the year to watch that have significant presence in the Boulder and Broomfield counties or that are expected to make some waves in the coming months. Here’s the list:

• ConocoPhillips – an integrated energy company with interest all around the world, headquarter out of Houston Texas purchased 432 acres outside of Louisville from Storage Technology Corp and plan to build their new energy research facility and learning center to train employees from more than 40 countries.
• Crocs Inc. – headquartered out of Niwot just outside of Boulder City, founded in 1999 and are designers and manufacturers and retailers of footwear for men and women and children.
• DigitalGlobe Inc. - headquartered in Longmont Co, just 15 minutes from the city of Boulder an provider of high-resolution commercial satellite imagery and geospatial information products.
• Level 3 Communications Inc. - headquartered in Broomfield just 20 minutes from Boulder provide fiber-based communications services
• Pangea Organics - maker of organic body care products – the company’s sales doubled in 2007 and had an amazing 2008.
• Rally Software Development Corp. – headquartered in Broomfield, a privately held company that focuses on green energy and the production of cellulosic ethanol.
• Siemens Energy (subsidiary of Siemens AG)  – headquartered in Munich Germany, a power generation company that develops and builds fossil fuel power plants and components as well as wind turbines, turbines for use as mechanical drives and compressors for industrial applications.   In June of 2008 announced plans to establish a couple-thousand square foot facility where employees will focus on atmospheric science research, aerodynamic blade design, structural dynamics and wind turbine dispatch predictions and reliability.   They are now located at 1050 Walnut St in Boulder.   Along with ConocoPhillips this company may well position Boulder County growth in renewable energy.
• Sun Microsystems. Inc. – even though this company did a recent layoff of  job cuts , look out for some kind of spin off as the company looks to improve it’s profitablity.

Even thought Boulder Colorado is small in comparison to other area of the US, look for Boulder to have a HUGE impact as far as being a leader in renewable energy, environmental sustainability, and other global issues.

Please feel free to me, Karen Cifala at the Troia Team (303-817-9374) or  visit our team website for a relocation guide to the Boulder Coloardo area: www.BlogtheRockies.com.