Ro Troia

Why Coldwell Banker? The Whole Story.

The Coldwell Banker Story.  I’ve been on a lot of listing appointments lately with spring arriving here in Boulder Colorado and included in the listing presentation are reasons why to choose Coldwell Banker.  I, myself even had to ponder the reasons why to choose one brokerage company over another when becoming a real estate agent.   Upon intensive research and endless appointments with recruiting office managers, I went with Coldwell Banker Residential Brokerage and The Troia Team.  Here’s why I did and why you should as well.

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Tags: Tags: agent, boulder colorado, business, buying, Coldwell Banker Residential Brokerage, coldwellbanker.com, coloproperty.com, company, economy, listing, real estate, realtor, Realtor.com, spring, The Troia Team

Rockies Baseball 2010

 

 The Troia Team Realtors of  Boulder Colorado love Rockies baseball.  Because we also love our clients, we throw a client appreication game day each year in which we provide free Rockies Tickets and a pre game party.  Last year it was held on the rooftop of LoDos, serving food and beer.  Then, we all headed to the game, providing free popcorn and snacks.  It’s always a blast.  Many of you have already participated  in a game, forever loyal to your local Denver team.  Read more about the Rockies season and history.

  

 

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Tags: Tags: Aaron Cook, boulder colorado, Coors Field, denver, Lodos, major league baseball, Nationals, real estate, Realtors, Rockies Baseball, Rockies Schedule, Rockies tickets, Rocky Mountains, The Troia Team

Mortgage Rates as of 4/20/2010

Here ya go readers and potential buyers.  Another update on the mortgage rates here in Boulder Colorado.  Not much has changed but a few numbers have.  Please check them out.

1) 30 yr is at 5.2 with no points and 5% even with 1 point

2) FHA 30 yr is 5.238 with no points and 5.138% with 1 point.

Also, I would like to inform you all about a unique program that only Coldwell Banker is offering.  It is a Pre-Purchase Rate Protection (PPRP).  It allows a buyer to lock a rate without identifying a property, and is good for a 90 day lock.  Every Coldwell Banker Mortgage customer gets the opportunity to enroll in the (PPRP) as soon as they receive a mortgage pre-approval decision from Coldwell Banker Mortgage.

So click here and lock in your rate today with a professional mortgage broker.

Tags: Tags: boulder, buyers, Coldwell Banker, colorado, mortgage rates, professional, The Troia Team

Real Estate And Lead Based Paint In Boulder Colorado

This is more than important information to know if you are buying, selling or renovating real estate in Boulder County and anywhere in Colorado.  As many of you know, if you sell or rent a home built before 1978, you must disclose that your home may contain paint that contains lead.  Not only is there a disclosure form to sign, but a pamphlet that highlights the paint’s risks, especially to children.  But did you also know that a new law will go into effect this month?  Read on to obtain this essential piece of knowledge.

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Tags: Tags: boulder, Boulder County, buying, certification, colorado, contractor, disclosure, lead based paint, real estate, regulation, revovation, selling, The Troia Team

Update on Mortgage Rates in Boulder

Here is the first of many to come.  The Troia team at Coldwell Banker will have frequent market updates for your convenience.  So please visit our blog frequently and stay in the loop. 

1) 30 year fixed conventional loan is at 5.22% with 0 points.  5% with 1 point

2) FHA 30 fixed is at 5.239% with 0 points.  5.149% with one point

For more info or to speak to a professional motgage lender please click here. 

The cycle of mortgage rates tend to consistenly rise slowly with large unpredictable and infrequent drops occuring occassionally.  Most likely, tomorrow’s rate will cost you more than today’s.  So lock in a loan today and you will save tomorrow.  Pick up the phone and call a qualified professional real estate agent with the Troia Team and lets find you a home.

Tags: Tags: The Troia Team

What Are You Going To Do Tonight?

Looking for entertainment tonight or this week in Boulder County Colorado?  Do you love to dance, listen to music, drink famous beer, and eat yummy food? Well, look no further than the all-famous Oskar Blues in either Longmont or Lyons.  One of my favorite attributes of the brewery is the live music.  Of course, many visitors love the beer including the all-famous Dales Pale Ale, which was voted one of the quintessential American hoppy pale ales of our time by BeerAdvocate.com. The intimate, 100-person capacity of the beloved juke joint gets you up close with the best musicians in Colorado and the United States. No wonder Rolling Stone Magazine called them the hottest place to be on a Saturday night in Colorado. Read what Oskar Blues has to say about themselves.

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Tags: Tags: bar fare, bluegrass, blues, boulder colorado, brewery, Dales Pale Ale, Homemade Liquids and Solids, Longmont, Lyons, Lyons High School Jazz Band, music, national, Oskar Blues, real estate, restaurants, The Troia Team

Examples Of Short Sale Financial Hardship Letters

Yes, we can help! Short sales are increasingly common as new government acts have passed to find alternatives to foreclosures.  You are not alone.  The economy is tough in Boulder Colorado and elsewhere;  people are losing jobs and it’s been a difficult time in real estate as property values have dropped below mortgages owed on homes.  This makes it difficult to refinance and when it’s hard to pay on that mortgage, you find yourself in a dire situation.  Often times if you qualify, a short sale is a better solution that foreclosing.  It’s not as hurtful to your credit and the bank is willing to accept a payment lower that the borrowed amount in order to avoid foreclosure costs.  The Troia Team has written many blogs on the topic so if you feel you are a candidate for a short sale, let us know.  We can help.   Because we have covered the positives to a short sale and explained the process in detail, I wanted to use this blog to provide examples of short sale hardship letters.  These are necessary to submit to a lender when simultaneously submitting the other necessary documents that go along with a short sale request to the bank.  Click here for hardship letter examples.

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Tags: Tags: Bank of America, boulder colorado, foreclosure, hardship letter, job loss, lender, market trends, mortgage, property values, real estate, realtor, short sale, The Troia Team

Yes! It’s Another Short Sale Blog.

 

But worth your while, I guarantee you.  The Troia Team from Boulder Colorado is writing so much on the subject lately because IT IS the subject lately.  Real estate short sales are everywhere and the numerous listings are partially due to the Home Affordable Foreclosure Alternatives Program; go ahead, call it HAFA. 

The information is non-ending.  You can’t write enough about short sales.  As we discussed before, having a knowledgeable Realtor is most important.  One who can walk you through the process.  If I were going through a short sale, here’s what I would want to know from my real estate agent.

 

 

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Tags: Tags: agent, boulder colorado, buyer, comparative market analysis, HAFA, hardship letter, Home Affordable Foreclosure Alternatives Program, inspection, lender, listing contract, loan, market, mortgage, purchase agreement, real estate, realtor, seller, short sale, The Troia Team