Innis Mortgage Closing in Loveland, Colorado with Real Estate Agent Jordan Reilly and Home Loans by Sean Young
Denmon Mortgage Closing in Aurora, Colorado with Home Loans by Sean Young
Haggerty and Prince Mortgage Closing In Aurora, Colorado with Home Loans by Sean Young
Muro Mortgage Cloisng in Thornton, Colorado and Home Loans by Sean Young
Garcia and Salazar Mortgage Closing in Denver, Colorado with Real Estate Agent Sarah Heil and Home Loans by Sean Young
Falbo Home Purchase Closing, Denver, Colorado, with Loan Officer Sean Young and Real Estate Agent Kathy Falbo
Paul & Kristina Mortgage Closing in Northglenn, Colorado with Realtor Phil McDonald with Realty Advisors and Home Loans by Sean Young
Josh and Lindsay Mortgage Closing in Bailey Colorado with Realtor Brooke Rohrbough at Legacy Realty and Home Loans by Sean Young
Mortgage Closing in Frederick Colorado with Realtor Nicole Court with Village Brokers and Home Loans by Sean Young
Kesler Mortgage Closing in Lochbuie, CO with Team Whisler and Home Loans by Sean Young
Pearson Mortgage Closing in Highlands Ranch, Colorado with Realtor Justin Acker with Berkshire Hathaway and Home Loans by Sean Young
Volberding Mortgage Closing in Arvada, Colorado with Team Whisler and Home Loans by Sean Young
Kozak Mortgage Closing in Denver, Colorado with Team Whisler and Home Loans by Sean Young
Wood Mortgage Closing in Brighton, Colorado with Realtor Nicole Court and Home Loans by Sean Young
Gabe Cox Purchase Closing, Denver, Colorado with loan officer Sean Young and Nicole with Village Brokers -
Douglass Mortgage Closing in Firestone, Colorado with Team Whisler and Home Loans by Sean Young
Valdez and Stockley Mortgage Closing in Commerce City, Colorado with Realtor Nicole Court and Home Loans by Sean Young
Hodges Home Loan Closing in Colorado with Top Loan Officer Sean Young
Sara Bottger Closing
Kevin and Amity Hodges Closing
Post, VA Purchase Closing in Longmont, Colorado with Realtor Jeanene Diana and Loan Officer Sean Young
Strawbridge Purchase Closing in Aurora, Colorado with Realtor Nicole Court and Loan Officer Sean Young
Spina, CHFA Preferred 3 Percent Grant Closing in Lakewood, Colorado with Loan Officer Sean Young and Realty Advisors
Bartle, NHF Platinum 5 Percent Grant Purchase Closing, Lakewood, Colorado with Loan Officer Sean Young and Realty Advisors
Armstrong, first time homebuyer purchase closing, Arvada, Colorado with Loan Officer Sean Young and Realtor Duane Whisler
Thomas-Stahle Home Loan Closing in Loveland, Colorado with Realtor Ben Woodrum and Loan Officer Sean Young
Pedro Montes Home Loan Closing in Thornton, Colorado with Team Whisler and Loan Officer Sean Young
Christensen and Holley closing, NHF Platinum 5 percent grant, Frederick, CO with Loan Officer Sean Young 1
Blazer Closing, NHF Platinum 5 Percent Grant, Aurora, CO with Realty Advisors and Loan Officer Sean Young
Crabtree Home Closing in Longmont, Colorado with Realtor Steve Noel with Re Max Alliance and Loan Officer Sean Young
Douglass & Watson Closing in Westminster, CO with Realtors Team Whisler and Loan Officer Sean Young
Hoynak, CHFA SmartStep closing, Aurora, CO
McInnis Closing, VA Purchase, Aurora, CO with Loan Officer Sean Young
Kleman, USDA Purchase Closing, Brighton, CO with Realtor Mike Palmer and Loan Officer Sean Young
Leo and Debra Maestas VA Home Loan with Realty Advisors and Colorado Top Loan Officer Sean Young
Louisma Closing in Greenwood Village, CO with Realtor Nicole Court and Loan Officer Sean Young
Miller & Roscow home closing in Boulder, CO with Diana Caile with Steps Real Estate and Loan Officer Sean Young
Quinn Home Purchase Closing with Loan Officer Sean Young, Arvada, Colorado
Vigil USDA Home Purchase Closing with Loan Officer Sean Young, Milliken Colorado
Walk Closing, Colorado Springs, VA Purchase with Realtor Andrew Fortune and Loan Officer Sean Young
Kevin Price Purchase Closing with Realtor Mike Carroll and Colorado Top Loan Officer Sean Young
Santistevan Purchase Closing with Dean Yocum and Colorado Top Loan Officer Sean Young
Bair Purchase Closing with Real Estate Agent Nicole Court with Village Brokers Inc
Gonzales Home Purchase Closing with Team Whisler and Colorado Top Loan Officer Sean Young
Mahlin Purchase Closing with Colorado Top Loan Officer Sean Young
Luke Pacheco Home Loan Closing with Colorado Top Loan Officer Sean Young
Sean Stasica Closing with Colorados Top Loan Officer Sean Young
Yelena Sindiy Refinance Closing with Colorado Top Loan Officer Sean Young
Gabryel Montalbo Home Loan Purchase Closing with Colorado Top Loan Officer Sean Young
David Close Home Purchase Closing with Realtor Terri Cox and Colorado Top Loan Officer Sean Young
Stacey Wolf Home Loan Closing with Colorado Top Loan Officer Sean Young
Paul Grant Purchase Closing with Colorado Top Loan Officer Sean Young
Justin & Jessica Bollig Closing Photo with Colorado Top Loan Officer Sean Young
Kevin Price Purchase Closing with Realtor Mike Carroll and Colorado Top Loan Officer Sean Young
Sears - Closing Photo
Chris Wells Closing with Home Loans by Sean Young
Shane and Jess King Closing with Home Loans by Sean Young
Dan Appell closing with Home Loans by Sean Young
Shane and Jess King - closing
Chris Wells - Closing
Tiffany Castens Closing with Home Loans by Sean Young
Lacquement Closing 450x350
Lazzara Closing by Sean Young
Mills - Closing
Muniz - Closing
Storrs Closing Day with Nicole and JoAnn
Walk Closing by Loan Officer Sean Young
Shawn Bair Closing Pic 2
Joe Granger Closing Day
Thanks for visiting. As a Colorado Mortgage Loan Officer with over 18 years of experience, I attribute my success to one simple quality: I take care of my clients!
Whether your goal is to purchase your dream home, refinance an existing loan, or consolidate debt, I can provide you with the expertise, professionalism, and customer service that will ensure that your transaction goes smoothly.
Homeowners need to make sure they maximize every square foot of their home. This includes the closet. Many people get frustrated when they look at their closets because they feel like they cannot find what they are looking for. Anyone who is struggling to keep their closet organizers should take a look at a few important points below.
Remove Items That Are No Longer Being Used
The first step in creating more space in a closet is getting rid of items that are no longer being used. First, take a look at all the items on the hangers. Then, see if it has been worn during the past year. If not, it is time to get rid of it. In addition, it might be helpful to remove clothing items that are not in season. Then, store them until the weather changes again. Creating more space in the closet can make it easier to keep the closet organized.
Check The Quality Of The Hangers
Next, take a look at the hangers. It is critical to use the right hangers because the wrong hangers could damage the clothes. Even though it is tempting to keep clothes on hangers that came from the store, they could stretch the clothes out over time, ruining the appearance. Try to use hangers that have pads on them. These softer hangers will not leave impressions on the clothes, extending their lifespan.
Create More Storage In The Closet
Finally, remember that not everything has to go on a hanger. There are some items that can be folded or tucked away in drawers. That is why it might be helpful to invest in alternative storage options in the closet. This could include cubbies that hang from the bottom of the shelf. Or, it might be nice to install drawers at the bottom of the closet. This could be another way to create more storage space and keep the closet organized.
Improve Closet Organization
Ultimately, there are plenty of ways to keep a closet organized. By removing items that are not being used and increasing storage space in the closet, it might be easier to find what is needed. This is a great way to keep the closet clean.
Last week’s scheduled economic reporting included readings on consumer prices, retail sales, and the University of Michigan’s preliminary Consumer Sentiment Index. Weekly readings on mortgage rates and jobless claims were also released.
Consumer Price Growth Slows in August
The Consumer Price Index reported that consumer prices grew by 0.30 percent in August as compared to July’s consumer price growth pace of 0.50 percent. Core consumer prices, which exclude volatile food and fuel sectors, also slowed in August to a pace of 0.10 percent as compared to July’s reading of 0.30 percent growth. Used-car prices fell for the first time in six months but remained 32 percent higher year-over-year. Inventories of new and used cars were lower due to supply chain problems caused by the pandemic.
August’s Consumer Price Index rose by 5.30 percent year-over-year; the Core Consumer Price Index grew by 4.00 percent year-over-year in August, which was unchanged from July’s year-over-year consumer price growth. Analysts expressed mixed opinions about how quickly inflation will slow, but Federal Reserve Chairman Jerome Powell said that the Fed expects inflation to slow to the Fed’s targeted pace of 2.00 percent within the next year. Federal Reserve policymakers expect materials and labor shortages to ease as the post-pandemic recovery continues.
Retail Sales Rise in August
Retail sales rose by 0.70 percent in August and surpassed negative projections and July’s reading of -1.80 percent. Analysts said that inflation accounted for some of the increased sales, but said that consumers were spending despite the spreading Delta variant of the Coronavirus. Retail sales rose by 1.80 percent when automotive sales were excluded. Shortages of new and used cars dragged down the pace of retail sales.
Mortgage Rates, Jobless Claims
Freddie Mac reported little change in mortgage rates last week. Rates for 30-year fixed-rate mortgages averaged two basis points lower at 2.86 percent; Rates for 15-year fixed-rate mortgages dropped by seven basis points to 2.12 percent on average. Rates for 5/1 adjustable rate mortgages rose by nine basis points to an average of 2.51 percent. Discount points averaged 0.70 percent for 30-year fixed-rate mortgages and 0.60 percent for 15-year fixed-rate mortgages. Points for 5/1 adjustable rate mortgages fell to 0.10 percent on average.
Initial jobless claims rose to 332,000 first-time claims filed as compared to the previous week’s reading of 312,000 initial claims filed. Continuing claims fell with 2.67 million ongoing jobless claims filed as compared to the prior week’s reading of 2.85 million ongoing claims filed.
The University of Michigan released its preliminary Consumer Sentiment Index for September and reported a one-point increase in September’s index reading of 71.0. Analysts forecasted a reading of 72.0 based on the August reading of 70.3.
This week’s scheduled economic reporting includes readings from the National Association of Home Builders,
The Federal Reserve’s Open Market Committee will release its post-meeting statement and Fed Chair Jerome Powell will give a press conference. Commerce Department readings on housing starts and building permits will be released along with weekly readings on mortgage rates and jobless claims.
When someone is looking at purchasing a home, they usually focus on the purchase price of the home and the potential monthly payment. At the same time, there are other costs that need to be included as well. This includes home insurance and real estate taxes.
As a result, many homeowners find themselves asking if they should use an escrow account or not. What do homeowners need to think about and how can they make the right decision?
What Is An Escrow Account?
First, it is important to define an escrow account. An escrow account is an account that contains money for items such as insurance and taxes. That way, homeowners are not blindsided by a major bill at the end of the year. Some people may be required by the lender to have an escrow account, but those who are putting 20 percent down may have an option to use an escrow account or to handle this on their own. With an escrow account, the money that is required for real estate taxes and homeowners’ insurance is broken up into 12 months. That way, homeowners can pay a little bit every month instead of paying it all at once, when the money might get tight. When should homeowners use an escrow account?
Savings Habits And Risks
First, some homeowners would rather handle real estate taxes and home insurance on their own because they want to be in control of their finances. While this is fine, some lenders might see this as an increased risk. If they view that homeowner as a risk, then they could use this as an excuse to raise the rate on the loan. Homeowners need to make sure they do not have to pay more for the loan simply because they are not using an escrow account.
Next, homeowners also need to think about their individual saving habits. Because home insurance and real estate taxes are often paid as one lump sum, this could be a lot of money leaving the account at once. If homeowners do not have appropriate saving habits, they might not set this money aside when the payment is due. If they fall behind on their real estate taxes, they could place themselves at risk of losing the home.