Divorce And Children: 10 Random During & After Divorce Tips

Divorce And Children - 10 Random During-And-After Divorce Tips

For Parents Wanting To Nurture The Healthiest Kids, Post-Divorce

1. Don't shortchange your children by getting into another relationship too soon. Focus on your kids and their needs first. This is your highest priority.

2. Become involved in your children's schooling and social activities. Athletics, clubs, scouts, music, are all excellent opportunities. You'll make great friends and your kids will enjoy the participation and your support.

3. Take your children to the library often. Teach them how to prioritize their studies, and show them they can still have plenty of time to participate in all the extracurricular stuff. In time, you'll notice positive results in their study habits and their confidence.

4. If you have the option of choosing or changing visitation-parenting time, choose some weekdays and not just weekends. This schedule will help you contribute and make deeper connections to your children insofar as their school lives are concerned.

5. Avoid the phone for communication with your ex. Use alternatives like email, perhaps. Always compose yourself before you write, and this should help lower everyone's stress, kids included.

6. At every opportunity seek more 'parenting time' with your children, even if it requires modifications to court orders. Years later, your children will appreciate that you tried to do all you could to be highly involved, and be one of their most significant role models.

7. Avoid litigation and pursue mediation whenever possible. Aggressively pursue mediation over all significant disagreements. Do not be misled into routine or costly litigation, because both ex's and the children rarely benefit. From personal experience, divorce attorneys will not always level with you about the cost of litigating disagreements, and the courts will often allow the attorneys to profit from your misery for as long as possible.

8. Ignore the negative things said about you by judges, lawyers, children's advocates, custody and mental health people. These practitioners really don't know you, or understand all the needs of your children, in spite their methods and their credentials.

9. Try to take the high road in dealing with the legal system. Do your best, but swallow your pride when you have to. The misery can be awful in the moment, but time heals everything and makes you stronger.

10. Let your kids know you are ok. They worry too.
These before and after tips have helped my children and I overcome a trying divorce, and make the most of our post-divorce lives. It is my hope that some of the tips may help make a difference for you and your children!


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Divorce And The Home

If you need the assistance of an experienced Denver real estate professional, I can help.

Originally posted at:  http://activerain.com/blogsview/1601956/divorce-and-children-10-random-during-and-after-divorce-tips

HUD Discontinues $100 Down Program

HUD Homes - $100 Down

Effective Immediately!  HUD Has Discontinued Their $100 Down Program

We have just received word that HUD has discontinued the $100 down program, unless the buyer qualifies for "Good Neighbor Next Door" financing.  Existing contracts that have already been approved for $100 down, will be honored.

Contact Us For The Latest Guidelines

With the exception of the down payment change, most of the other HUD program rules haven't changed at all.  If you are interested in purchasing a HUD Home, please contact us for the latest program rules and guidelines.

If you need help viewing this home, or with any other Denver real estate, call for friendly answers to all your real estate questions (303) 514-4000.  And if you're a first-time buyer, you may also be interested in attending one of our FREE Home Buyer Workshops. Subscribe to our Denver Real Estate Newsletter & Tips right here. Thanks for visiting!

Copyright © 2011, DenverHomesOnline.com, The Michael Dagner Group and RE/MAX™ 

Lowry Denver | Spectacular Home On The Park

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Lowry Denver home for sale in Lowry Village, Denver, CO 80230.  Brand new listing featuring:

• OVERVIEW
• Wonderful Street Appeal
• Parkside Location on Bayaud Park
• Incredible Views of Mountains & Snow-Capped Peaks
• On-The-Park Access to Greenbelts and Walkways
• Very Bright Inside with an Abundance of Energy
• 4 Bedrooms, 4 Baths, 2 Car Garage
• Over 3000 Sq Ft with Spacious Storage Area
• Convenient Walk To Town Center, Shops, Taverns
• Close-in Location to Cherry Creek, Downtown, and DIA

• INTERIOR & EXTERIOR
• Spacious Kitchen with Center Island
• Custom Pantry w/Slide Out Shelves and Wine Rack
• Corian Countertops and Backsplashes
• Hardwood Flooring Throughout Main Level
• Coffered Ceilings, Door Archways, Art Niches
• Huge Master Suite, Bedroom, and Sitting Area
• Pro-Finished Basement w/Rec Room, Huge Bath, Extra Bedroom, Media Area, Laundry, and Storage

For a full list of features with floorplan, large still photos, video, and more, visit DenverHomesOnline.com/showcase.

If you need help viewing this home, or with any other Denver real estate, call for friendly answers to all your real estate questions (303) 514-4000.  And if you're a first-time buyer, you may also be interested in attending one of our FREE Home Buyer Workshops. Subscribe to our Denver Real Estate Newsletter & Tips right here. Thanks for visiting!

Copyright © 2011, DenverHomesOnline.com, The Michael Dagner Group and RE/MAX™

Save Your Home From Foreclosure

Save Your Home

Save your home from foreclosure by using a strategy that lenders would rather you not know about.

Recent headlines have revealed significant errors by several giant mortgage lenders as they've pushed the envelope and skirted proper legal procedures, all in an effort to speed up the foreclosure processes. 

Oftentimes during the foreclosure process, a lender will request that a court allow them to proceed with foreclosure, despite their inability to produce all of the required documents for this type of legal proceeding.

When challenged, the courts have held the lender accountable, and required them to produce these documents.  This can create significant delays, thereby allowing scores of delinquent homeowners to wield more negotiating leverage with their lender. 

With the right knowledge, many homeowners seeking short sale assistance or loan modification may discover that their lender will now be more motivated to help them acheive a better outcome.  To learn more, follow this link to find out how you may be able to halt the foreclosure processes, and Save Your Home.

If you need help with Denver real estate, call for friendly answers to all your real estate questions (303) 514-4000. If you are a first-time buyer, you may also be interested in attending one of our FREE Home Buyer Workshops. Subscribe to our Denver Real Estate Newsletter & Tips right here. Thanks for visiting!

Copyright © 2010, DenverHomesOnline.com, The Michael Dagner Group and RE/MAX™

Emergency Homeowner Loan Program Unveiled

Today, the Department of Housing And Urban Development announced the release of $41 million in zero interest, deferred payment "bridge loans” not to exceed $50,000 per homeowner, to assist with delinquent mortgage payments, taxes, and insurance.

The program aims to help struggling homeowners for up to 24 months of payments to help offset and stabilize their incomes in the wake of extended unemployment.  To be eligibile for these emergency loan funds, the borrower must meet at least four key criteria:

1) Homeowner must have experienced a significant income drop which is at least 15 percent lower than the previous income.

2) Homeowner must be at least 3 months delinquent on mortgage payments, and must have received notification of an intent to foreclose (homeowner can self-certifiy that there is a likelihood of initiation of foreclosure proceedings after three months delinquency).

3) Homeowner must demonstrate that they have a reasonable likelihood of being able to resume payments of their first mortgage obligations within 2 years, including their other housing expenses and debt obligations when the household regains full employment.

4) The homeowner must reside in the property.

HUD will begin making these emergency loans for eligible homeowners before the end of this year, 2010.  The term of the zero interest HUD note will be a maximum of 5 years, and will be secured by the property. If the home is sold, refinanced, or foreclosed upon, the HUD note will become due.

Both wage and salary workers and self-employed individuals are eligible.  source: HUD

Call for friendly answers to all your real estate questions (303) 514-4000. If you are a first-time buyer, you may also be interested in attending one of our FREE Home Buyer Workshops. Subscribe to our Denver Real Estate Newsletter & Tips right here.  Thanks for visiting!

Copyright © 2010, DenverHomesOnline.com, The Michael Dagner Group and RE/MAX™

Interest Rates Fall On Denver Home Loans

Rates on a 30-year fixed home mortgages fell below 4.7% this week.  This is the lowest rate in over a decade.  Mortgage rates on 15-year mortgages have trended lower still, hovering around 4%. 

Because interest rates have slid significantly since earlier in 2010, prospective homebuyers contemplating a home purchase this summer, might find their purchasing power greatly improved.

With such ultra-low rates, buyers can now purchase more home for the money.  As a rule of thumb, buyers purchasing a moderately priced $250,000 home (with a minimal 3.5% down payment on an FHA loan), would actually be able to purchase a $267,000 home (approx), without any increase in the monthly mortgage payment.  Buyers looking at a $350,000 home, would see their purchasing power increase by almost $25,000.  Of course, buyers who'd simply rather take advantage of these lower rates to reduce the payments without buying more home, will certainly enjoy their lower payments.

Your dream of moving into a place of your own may come sooner than you had hoped with such attractive interest rates.  Just call us for friendly answers to all your Denver real estate questions (303) 514-4000.  And if you’re a first-time buyer, you may be interested in attending one of our FREE Home Buyer Workshops.  Subscribe to our Denver Real Estate Newsletter & Tips right here.
Thanks for visiting!

Copyright © 2010, DenverHomesOnline.com, The Michael Dagner Group and RE/MAX™

The Latest Trends In New Home Design

Just released are some of the newest attitudes of homebuyers as introduced during the International Builders Conference recently held at Texas A & M University.  Here's a recap of the most significant and latest homebuyer preferences:

1) A downsizing trend in new home design appears has begun. The average home size peaked last year in 2009, but now is now trending towards smaller homes after 50 years of consistent growth.

2) Homebuyers are seeking more comfortable family gathering spaces (e.g. - great rooms) as an important aspect of their new home design.

3) Energy Efficiency in a home is ever-growing in importance.   Buyers are seeking top-rated efficiencies in appliances and the newest in insulating and conservation-minded features.

Other key aspects that buyers are demanding, include:

• Higher ceilings that offer interesting design elements and preceived space.
• 3-Car garages that provide additional storage & organization.
• Granite surfaces are no longer a must-have. Homebuyers are more practical in their purchases, and price is one of their top priorities. The sizzle is losing its importance, and builders are adjusting the home designs accordingly.
• Single story and split level homes are in vogue again, with two-story's declining in popularity.
• Extra bedrooms with their own bathrooms for extended family members are highly sought after.
• Multi-purpose home office spaces remain hot.
• Low maintenace exteriors are very important to many buyers with less and less demand for expansive sites.

Call now for fast and friendly answers to all your real estate questions (303) 514-4000.  And, if you’re a first time buyer, you may be interested in attending one of our FREE First-Time Home Buyer Workshops. Subscribe to our Denver Real Estate Newsletter here.

Thanks for visiting!

Copyright © 2010, DenverHomesOnline.com, The Michael Dagner Group and RE/MAX™

Free Access to Credit Scores

Today, I learned that Colorado Senator Mark Udall is working on a bill which proposes free access by consumers to their own credit scores. This is great news, and we encourage everyone who reads this blog post to help support it.

Regardless of your political persuasions, it has become piercingly clear over the last 12 years since the FICO score gained momentum as a means to interpret one’s creditworthiness, that the financial services industry is increasingly using our personal consumer data to create a variety of profiles and products, many of which are simply designed to help businesses raise the cost of living for the middle and lower classes. Some of these creative products even lack any relevance or legitimacy, and are only being used by certain industries to increase their profit margins and prey on those who are less financially savvy or fortunate in our society.

Please let Mr Udall know that you support this endeavor to allow all citizens FREE ACCESS to our consumer scores, so we may better challenge the increasing abuses by the data harvesting and financial services industries.

Call us today for fast and friendly answers to all your real estate questions (303) 514-4000.  If you’re a first time buyer, you may also be interested in attending one of our FREE First-Time Home Buyer Workshops. Subscribe to our Denver Real Estate Newsletter here.
Thanks for visiting!

Copyright © 2010, DenverHomesOnline.com, The Michael Dagner Group and RE/MAX™.

Here Are 5 Reasons Why You Want To - Buy Now!

1. There is now a greater selection of properties for sale because the tax incentive is behind us. Those who shopped prior to April 30th, know how frustrating that whole process was.


2. Interest rates remain very low. They’ll only go up as the economy continues to rebound. As the U.S. dollar weakens, interest rates have nowhere to go, but up.

3. Let’s face it, we’ve seen the market bottom already. Home values are increasing as the local Denver economy continues to recover. Economists, investors, politicians, and bankers all want this to happen. They will collectively do everything they can to continue our economic stabilization. The most affordable opportunities are available, right now.

4. There are more motivated sellers than before. Now that we’re halfway through the Spring selling season, and with the tax credit behind us, sellers will become anxious heading into second half of year.

5. Banks are finally releasing their hoarded (shadow) inventories of foreclosed homes, just in time for the Spring/Summer market. This means they’ll be more inventory to choose from.

Aside from these 5 persuasive reasons to consider buying now, you may certainly have other motivations depending on your situation. Call us today for fast and friendly answers to all your real estate questions (303) 514-4000.

If you’re a first time buyer, you may also be interested in attending one of our FREE First-Time Home Buyer Workshops. Subscribe to our Denver Real Estate Newsletter here.

Thanks for visiting!

Copywrite: Copyright © 2010, DenverHomesOnline.com, The Michael Dagner Group and RE/MAX™.
Photo credits: Photo credit – hourglass: photobucket

Didn’t Make The Deadline To Get The Tax Credit?

Many buyers have put a lot of pressure on themselves to buy a home and take advantage of the government tax credit, but in doing some may have been better off if they had only waited awhile longer.

Passing up a free $8000 is hard to ignore, especially first-time homebuyers, but what we’ve seen in the last several months is that there has been a genuine absence of decent inventory in the entry level markets.

For those that haven’t yet jumped into the market, or those of you who’ve failed to find what they were looking for, you’ll soon have better luck. Some benefits that await you are: Sellers and banks will begin to put more emphasis on making deals. There will be more inventory and selection to choose from, with fewer hassles in getting the sellers’ attention, and it'll also be easier to make successful offers. Your loan may be approved more quickly and with greater availability of certain types of financing, too.

Even if you were seriously looking before the tax credit expired, but didn’t find anything you were interested in, at least you benefited from the additional time to save that down payment. What’s more, you didn’t make the mistake of buying something impulsively, and regretting it later! Think about it…you probably saved yourself more than that $8000 by waiting!! So, it’s now a new market with new opportunities. Take your time, and go find the right house or property.

If you’re a first time buyer, you may be interested in attending one of our FREE First Time home buyer workshops. Click here to subscribe to our FREE Denver real estate newsletter.

Thanks for visiting!

Copyright © 2010, DenverHomesOnline.com, The Michael Dagner Group and RE/MAX™.
Photo credit - cloud: stockxchng