Found 4 blog entries about Buyers.


When you execute a contract to buy a home, you will offer some earnest money to the seller. The contract specifies when you need to provide the earnest money to the seller or seller’s agent and this is normally within a few days of contract execution. This check will be cashed within 24 to 48 hours of being provided, so make sure the money is in your account when you write the check. At closing, the earnest money is applied towards any down payment and/or closing costs that you might have. If you are doing a “no money down/no closing cost” transaction (rare these days), the earnest money comes back to you at closing. 


Instead of a closing, a contract can end with either a

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It’s time to arrange your home owner’s insurance. 

If you are buying a condo or townhouse or any property where the hazard insurance on the structure is being paid by a home owner’s association, you’ll still need to obtain what is commonly called “condo or Renters” insurance — it covers certain interior real estate items, your personal property and liability protection.

You’ll want to arrange the home owner’s insurance before the end of the Property Insurance Objection Deadline date found in Section 2 of your purchase contract. Some insurance companies are charging premiums based on the claims history of the property in addition to your own claims history as an insured. If the insurance company you want to use is doing so, the cost to insure the

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A Home Warranty can be purchased which acts as an Insurance Policy which covers the kitchen appliances along with plumbing, mechanical and electrical components of the house.  If any of these were to breakdown during the period of the Home Warranty coverage, you can call the company to send one of their preferred vendors to come and repair/replace (note there is usually a call out fee).   It is very important for you to read these warranties to see what is covered, what is excluded and how warranty work is performed. In addition to excluding any coverage for structural defects, these warranties typically do not cover the roof either. 

If you are buying a resale home and you are interested in obtaining a non-structural warranty, you may contact the

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If a brand new house is something you are considering, please listen to this video to make sure you are prepared for what to expect. There are some differences to buying a re-sale. Here about them here so you fully understand what to expect when buying a brand new home in Denver.  Topics include

* difference between base price and sales price

* Water costs

* Do you need an agent to help you buy a new home?

* Lending options

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