Bear Cub Climbs In a Raft Longing To Be Rescued in River (LOOK)

Bear Cub Climbs In a Raft Longing To Be Rescued in River (LOOK)

Selling Homes In Colorado Springs Colorado - by www.JulieTernesHomes.com

Your Home Listing Presentation by JulieTernesHomes.com from Julie Ternes

Colorado Springs 80920 Home Owners - "Spring Forward" One Hours Makes a Difference - 10 Things To Do

Mark your calendars because Daylight Savings Time is almost here.  This year Daylight Savings Time begins on Sunday March 8 when the majority of the United States will be “springing ahead” as they change the clocks.  However, if you live in Arizona, Hawaii, Puerto Rico, American Samoa, Guam, Northern Mariana Islands, and the US Virgin Islands, Daylight Savings Time is just another day on the calendar.

One benefit of Daylight Savings time is that it reminds you to take care of some other important home tasks that should be done at least twice a year. So while you are marking you calendars to set your clocks ahead make a plan to take care of these other important tasks in your home.

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10 Things To Do When You Set Your Clocks Forward

• Replace the batteries in your Smoke Detector and Carbon Monoxide Detector.  Making sure to replace and test these devices twice a year can be the difference between life and death.  Make sure to help any elderly loved ones in your life as well.  If they can’t do it on their own, some fire departments have programs that will assist.

• Reverse the direction on your ceiling fan.  In the Spring fan blades should rotate counter clockwise to help cool down the rooms.  In the Fall, switch the direction to clockwise which helps pull down the warm air that gets trapped near the ceiling.  Both of these measures help save cost on heating and cooling.

• Flip and rotate your mattress to help promote even wear and tear.  Unless you have a no flip mattress.  Then just rotate it.

• Schedule a furnace inspection.  This should be done twice a year to make sure your furnace is running as efficiently as possible.

• Replace the filters in your heater and air conditioner. This should actually be done several times a year to ensure they run as efficiently as possible.

• If you have a fireplace, scheduled a chimney sweep in the Fall and in the Spring take some time to clean up the fireplace and brush down the walls.

• Drain your water heater.  It is recommended that you drain one quart of water from your water heater every three months.  Make sure to check the owner’s manual for your water heater for further recommendations and how to drain the water correctly.

• Go through you medicine cabinet and first aid kit and discard any expired or discolored products.  Dispose of any prescription medication that is expired or no longer needed.  You can search on FDA.gov for how to safely dispose of medications.

• Go through your pantry and dispose of any expired or stale/opened foods.

• Daylight Savings Time is also a good time to start rotating your wardrobe.  Wash your winter clothes and inspect them for damage and wear and tear.  If you have clothes you know longer wear put them aside for a garage sale or donate them.  Pack away clothes for winter and start washing and inspecting your Spring and Summer wardrobe.

P.S.  

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Where Are Palmer Lake, CO Home Mortgage Rates Headed In 2015

The interest rate you pay on your home mortgage has a direct impact on your monthly payment. The higher the rate the greater the payment will be. That is why it is important to look at where rates are headed when deciding to buy now or wait until next year. Below is a chart created using Freddie Mac’s February 2015 U.S. Economic & Housing Marketing Outlook. As you can see interest rates are projected to increase steadily over the course of 2015.

How Will This Impact Your Mortgage Payment?

Depending on the amount of the loan that you secure, a half of a percent (.5%) increase in interest rate can increase your monthly mortgage payment significantly. Research released by Zillow touched on this point:

“As rates rise, new home buyers will confront higher financing costs and monthly mortgage payments. For many, this will mean tightening their budgets and sacrificing some luxuries they may take for granted today.”

The experts predict that home prices will appreciate by 4.4% over the course of 2015. If both predictions become reality, families would wind up paying considerably more for their home.

Bottom Line

Even a small increase in interest rate can impact your family’s wealth. Meet with a local real estate professional to evaluate your ability to purchase your dream home.

Free Real Estate Advice Hotline Call/Text Julie Ternes, REMAX Advantage, at 719-629-6142. 

Visit www.JulieTernesHomes.com

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What Is Your Home Worth?

Colorado Springs CO Real Estate Home Owners 5 Reasons Not To Sell For Sale By Owner

Some homeowners consider trying to sell their home on their own, known in the industry as a For Sale by Owner (FSBO). We think there are several reasons this might not be a good idea for the vast majority of sellers.

Here are five of our reasons:

1. There Are Too Many People to Negotiate With

Here is a list of some of the people with whom you must be prepared to negotiate if you decide to FSBO.

• The buyer who wants the best deal possible
• The buyer’s agent who solely represents the best interest of the buyer
• The buyer’s attorney (in some parts of the country)
• The home inspection companies which work for the buyer and will almost always find some problems with the house
• The appraiser if there is a question of value
• Your bank in the case of a short sale

2. Exposure to Prospective Purchasers

Recent studies have shown that 92% of buyers search online for a home. That is in comparison to only 28% looking at print newspaper ads. Most real estate agents have an extensive internet strategy to promote the sale of your home. Do you?

3.  Actual Results also come from the Internet

Where do buyers find the home they actually purchased?

• 43% on the internet
• 9% from a yard sign
• 1% from newspapers

The days of selling your house by just putting up a sign and putting it in the paper are long gone. Having a strong internet strategy is crucial.

4. FSBOing has Become More and More Difficult

The paperwork involved in selling and buying a home has increased dramatically as industry disclosures and regulations have become mandatory. This is one of the reasons that the percentage of people FSBOing has dropped from 19% to 9% over the last 20+ years.

5. You Net More Money when Using an Agent

Many homeowners believe that they will save the real estate commission by selling on their own. Realize that the main reason buyers look at FSBOs is because they also believe they can save the real commission. The seller and buyer can’t both save the same commission.

Studies have shown that the typical house sold by the homeowner sells for $184,000 while the typical house sold by an agent sells for $230,000.   This doesn’t mean that an agent can get $46,000 more for your home as studies have shown that people are more likely to FSBO in markets with lower price points. However, it does show that selling on your own might not make sense.

Bottom Line

Before you decide to take on the challenges of selling your house on your own, sit with a real estate professional in your marketplace and see what they have to offer. 

Need advice only a good real estate pro can give?  Call/Text Julie Ternes, Realtor, REMAX Advantage  at 719-629-6142 or visit www.JulieTernesHomes.com Today.

Here are some really great tips on how to be successful at selling your home.

Colorado Springs Luxury Homes Owners 80920 - Find Out What Your Home Is Worth - FREE Online Accurate Market Report

 ARE COLORADO SPRINGS LUXURY HOME VALUES CHANGING? FIND OUT RIGHT NOW WITH OUR FREE HOME VALUATION SERVICE

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Home For Sale 6435 Gemstone Way Colorado Springs, CO 80918

Home For Sale 3855 Happy Jack Drive, Colorado Springs, CO 80922

Contact Julie Ternes by Calling/Texting 719-629-6142 For additional Information
Visit www.JulieTernesHomes.com

3855 Happy Jack Drive, Colorado Springs CO 80922

PROPERTY DESCRIPTION

This propertythat is located at 3855 Happy Jack Drive, Colorado Springs 80922 in El Paso county is currently for sale. This property is offered by SellState Alliance Realty, agent Julie Ternes, . The property at 3855 Happy Jack Drive has 3 bedrooms, 2 baths, 1,295 and was built in 2001. 3855 Happy Jack Drive is in Colorado Springs and in the ZIP code of 80922.

PROPERTY LOCATION

FEATURES

BEDROOMS
BATHROOMS
HOME SIZE
GARAGE
BUILT

3
2
1,295 sq.ft.
2
2001

BROKER

SellState Alliance Realty
9475 Briar Village Point, STE 215
Colorado Springs, CO 80920
Office: 719-385-8515

CONTACT

Contact Julie Ternes for more information about this single family home.

Real Estate Agents Join Sellstate Realty 80920

Sellstate offers one of the industry’s highest splits, lead generation technology, a residual plan, and more. These offerings give agents the ability to leverage a multitude of benefits to improve their business.

Sellstate Realty Systems Network, Inc. is the most technologically advanced real estate companies in North America. Powered by exclusive C.P. Technology, our franchises are not burdened with back office administration allowing our members to take the time necessary to properly support the needs of the buyers and sellers.

As part of our beliefs, we strive to ensure that all of our agents operate at the most elite level of real estate professionalism. Buyers and sellers can take comfort in knowing that they will be working with a licensed agent of utmost quality and expertise.

If you’re an ambitious agent and you’re ready to make a change that will improve your business, lifestyle and future, get started here  Join Sellstate Realty

Homes Colorado Springs 80920 Real Estate January 2015 Market Report

End of January 2015 Colorado Springs Real Estate 

Report & Stats

New Listings: 1,082 (Down -10.9% from last year)
Sold Listings: 636 (Up +6.7% from last year)
Total Active Listings: 2,470 (Down -23.5% from last year)
Average Sales Price: $261,310 (Up +11.4% from last year)
Total Under Contract: 1,695 (Up +24.4% from last year)
List To Sold Price Ratio: 98.5% (Almost the same as last year)
Days on the Market: 106 Days (Up +19.4% from last year)
Usually, with depleting inventory and an increase in homebuyers, the days on the market will lower as the demand increases. 
Sellers: www.ColoradoRealEstateHomeValues.info
Buyers: www.MLSSearchColoradoHomes.Info

Julie Ternes is your go to local real estate expert serving buyers and sellers in Colorado Springs CO.
Contact Julie for all your real estate needs, call/text 719-629-6142 or go to www.JulieTernesHomes.com

5 Reasons Why Palmer Lake Colorado Springs Real Estate Home Buyers & Sellers Choose a Realtor

Whether you are buying or selling a home, it can be quite an adventurous journey. You need an experienced Real Estate Professional to lead you to your ultimate goal. In this world of instant gratification and internet searches, many sellers think that they can For Sale by Owner or FSBO. 
The 5 Reasons You NEED a Real Estate Professional in your corner haven’t changed, but have rather been strengthened due to the projections of higher mortgage interest rates & home prices as the market continues to recover. 

1. What do you do with all this paperwork?

Each state has different regulations regarding the contracts required for a successful sale, and these regulations are constantly changing. A true Real Estate Professional is an expert in their market and can guide you through the stacks of paperwork necessary to make your dream a reality.

2. Ok, so you found your dream house, now what?

According to the Orlando Regional REALTOR Association, there are over 230 possible actions that need to take place during every successful real estate transaction. Don’t you want someone who has been there before, who knows what these actions are to make sure that you acquire your dream?

3. Are you a good negotiator?

So maybe you’re not convinced that you need an agent to sell your home. However, after looking at the list of parties that you need to be prepared to negotiate with, you’ll realize the value in selecting a Real Estate Professional. From the buyer (who wants the best deal possible), to the home inspection companies, to the appraiser, there are at least 11 different people that you will have to be knowledgeable with and answer to, during the process.

4. What is the home you’re buying/selling really worth?

It is important for your home to be priced correctly from the start to attract the right buyers and shorten the time that it’s on the market. You need someone who is not emotionally connected to your home to give you the truth as to your home’s value. According to the National Association of REALTORS, “the typical FSBO home sold for $208,000 compared to $235,000 among agent-assisted home sales.” Get the most out of your transaction by hiring a professional.  

5. Do you know what’s really going on in the market?

There is so much information out there on the news and the internet about home sales, prices, mortgage rates; how do you know what’s going on specifically in your area? Who do you turn to in order to competitively price your home correctly at the beginning of the selling process? How do you know what to offer on your dream home without paying too much, or offending the seller with a low-ball offer? Dave Ramsey, the financial guru advises:

“When getting help with money, whether it’s insurance, real estate or investments, you should always look for someone with the heart of a teacher, not the heart of a salesman.”

Hiring an agent who has their finger on the pulse of the market will make your buying/selling experience an educated one. You need someone who is going to tell you the truth, not just what they think you want to hear.

Bottom Line:

You wouldn’t replace the engine in your car without a trusted mechanic. Why would you make one of your most important financial decisions of your life without hiring a Real Estate Professional?
Call Julie Ternes at 719-629-6142. Visit www.JulieTernesHomes.com.  Find your dream home here.

Colorado Springs 80133 Palmer Lake Real Estate - 5 Financial Reasons To Buy Your Next Home Now

Now that we are into 2015 many people have their sights set on buying a home. The personal reasons differ for each buyer, with many basic similarities. Eric Belsky, the Managing Director of the Joint Center of Housing Studies at Harvard University expanded on the top 5 financial benefits of homeownership his paper - The Dream Lives On: the Future of Homeownership in America. 
Here are the five reasons, each followed by an excerpt from the study:

1.) Housing is typically the one leveraged investment available.

“Few households are interested in borrowing money to buy stocks and bonds and few lenders are willing to lend them the money. As a result, homeownership allows households to amplify any appreciation on the value of their homes by a leverage factor. Even a hefty 20 percent down payment results in a leverage factor of five so that every percentage point rise in the value of the home is a 5 percent return on their equity. With many buyers putting 10 percent or less down, their leverage factor is 10 or more.”

2.) You're paying for housing whether you own or rent. (See how renters buy homes)

“Homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord.”

3.) Owning is usually a form of “forced savings." (Search MLS for Good Home Values)

“Since many people have trouble saving and have to make a housing payment one way or the other, owning a home can overcome people’s tendency to defer savings to another day.”

4.) There are substantial tax benefits to owning.

“Homeowners are able to deduct mortgage interest and property taxes from income...On top of all this, capital gains up to $250,000 are excluded from income for single filers and up to $500,000 for married couples if they sell their homes for a gain.”

5.) Owning is a hedge against inflation.

“Housing costs and rents have tended over most time periods to go up at or higher than the rate of inflation, making owning an attractive proposition.”

Bottom Line

We realize that homeownership makes sense for many Americans for an assortment of social and family reasons. It also makes sense financially. 
Selling Your Colorado Springs Home? Free Equity Update and Home Valuation Here

Call Julie Ternes, 719-629-6142 with your Colorado real estate questions. Julie helps buyers, sellers, investors, military, relocations, distressed owners, and short sales.
www.JulieTernesHomes.com

3 Questions Home Buyers Must Ask In Peyton - Falcon - Monument - Palmer Lake - Colorado Springs 80831, 80132

If you are thinking about purchasing a home right now, T\there are three questions you should ask before purchasing in today’s Colorado Springs - Peyton - Falcon - Palmer Lake - Monument real estate market.

1. Why am I buying a home in the first place?

This truly is the most important question to answer. Forget the finances for a minute. Why did you even begin to consider purchasing a home? For most, the reason has nothing to do with finances. A study by the Joint Center for Housing Studies at Harvard University reveals that the four major reasons people buy a home have nothing to do with money:

• A good place to raise children and for them to get a good education
• A place where you and your family feel safe
• More space for you and your family
• Control of the space

What non-financial benefits will you and your family derive from owning a home? The answer to that question should be the biggest reason you decide to purchase or not.

2. Where arehome values headed?

When looking at future housing values, Home Price Expectation Survey provides a fair assessment. Every quarter, Pulsenomics surveys a nationwide panel of over one hundred economists, real estate experts and investment & market strategists about where prices are headed over the next five years. They then average the projections of all 100+ experts into a single number. Here is what the experts projected in the latest survey:

Home values will appreciate by 4% in 2015.

The cumulative appreciation will be 23.5% by 2019.

Even the experts making up the most bearish quartile of the survey still are projecting a cumulative appreciation of over 15.1% by 2019.

3. Where aremortgage interest rates headed?

A buyer must be concerned about more than just prices. The ‘long term cost’ of a home can be dramatically impacted by an increase in mortgage rates. The Mortgage Bankers Association (MBA), the National Association of Realtors, Fannie Mae and Freddie Mac have all projected that mortgage interest rates will increase by approximately one full percentage over the next twelve months.

Bottom Line

Only you and your family can know for certain the right time to purchase a home. Answering these questions will help you make that decision.

Call Julie Ternes, SellState Alliance Realty at 719-629-6142 Today or visit www.JulieTernesHomes.com

Colorado Real Estate Home Buyers 80110, 80920 - Experts Agree Now Is The Time To Buy Your Home

There are many people deciding on whether to sign a new lease on a rental property or take the dive into homeownership. Every situation is different. However, with rents, home values and mortgage interest rates projected to rise, buying now might make a lot more sense than waiting until next year. Here are others who seem to agree: An article at NPR:

“Economists see several reasons why 2015 might be a banner year for homebuying — and not just in San Francisco and Miami.”

An article on Consumer Affairs:

“If you have been thinking about purchasing a home, the first half of 2015 might be a good time.”

An article on Fox Business News:

“As rent increases, it simply makes more sense to buy a home.”

Bottom Line

Buying earlier in the year probably makes more sense than putting off the decision.
Free Home Finder Service. Find Your Perfect Home, Before More More of The Public Does
How Renters Can Own Their Home

Julie Ternes, Realtor
SellState Alliance Realty
Great Real Estate Service Starts Here
Colorado Springs, CO 80920
719-629-6142
www.JulieTernes.com

Colorado Springs - Front Range - Denver

Residential Sales

Military Residential Specialist

Colorado Springs Real Estate Facts For Selling Your Home

Homes Are Selling Faster, Prices Are Up, Buyers Are Very Active
Home sales are up. Median home sale prices are rising. Homes sold under 30 days on market are rising. Currently low mortgage rates are attracting home buyers. First time home buyers are up 32%. It really is a great time to list and sell your home. Need some advice? Call/Text Julie Ternes, SellState Alliance Realty 719-629-6142. Visit www.JulieTernesHomes.com

 We help you sell and move:)

What is Your Home Worth In Today's Market?
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4 Reasons To Sell Your Peyton Colorado 80831 Home Before Spring

The holiday season is behind us, time to focus on what exciting new experiences 2015 can bring! If you are planning on becoming a homeowner, or moving up to the home of your dreams in 2015, here are four great reasons to consider buying a home now, instead of waiting until spring.

1. Prices Will Continue to Rise

The Home Price Expectation Survey polls a distinguished panel of over 100 economists, investment strategists, and housing market analysts. Their most recent report projects appreciation in home values over the next five years to be between 15.1% (most pessimistic) and 32.8% (most optimistic). The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense. 

2. Mortgage Interest Rates Are Projected to Increase

Although Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have softened recently, most experts predict that they will begin to rise over the next 12 months. The Mortgage Bankers Association, Fannie Mae, Freddie Mac & the National Association of Realtors are in unison projecting that rates will be up almost a full percentage point by the end of 2015. An increase in rates will impact YOUR monthly mortgage payment. Your housing expense will be more a year from now if a mortgage is necessary to purchase your next home.

3. Either Way You are Making payments,  Renting or a Mortgage

As a paper from the Joint Center for Housing Studies at Harvard University explains:

“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return. That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”

4. It’s Time to Move On with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise. But, what if they weren’t? Would you wait? Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe it is time to buy. If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

Contact Julie Ternes at SellState Alliance Realty For More Information And to Help You With Your Colorado Springs Real Estate Questions 719-629-6142 or www.JulieTernesHomes.com

4544 Gunbarrel Drive Colorado Springs 80925 Offerred For Sale MLS 3104354. 3BD 3BA 2 Story

	4544 Gunbarrel Drive Colorado Springs, CO 80925 Residential - Colorado Springs, CO
Home Virtual Tour Photo Gallery Property Map Financing Request Showing Contact Me Julie Ternes FA100049123 Mobile: 719-629-6142: Office: 719-385-8515: Website: Visit Website	Price : $189,900.00 Bedrooms : 3 Bathrooms : 3.00 Square Foot : 2,071 County : El Paso Property Type : Single Family Year Built : 1999 MLS Number : 3104354 click for more information and pictures Property Description Charming 2-story family home; clean and ready to move in! Open-concept first floor with new carpet throughout, dual living area/great room with cozy two-sided gas fireplace, built-in shelving, eat-in kitchen, master suite with walk-in closet, alarm system, A/C and fully-fenced back yard! Newer roof (2013) and brand new water heater. Large unfinished basement ready for your inspiration! Nicely maintained area minutes from Fort Carson & Peterson AFB and close to the booming Mesa Ridge Parkway shopping corridor.,Please use booties provided. Leave card on kitchen counter, turn off lights, lock doors. TEXT/CALL Julie Ternes, sellState Alliance Realty For More Information and To Tour This Home at 719-629-6142. www.JulieTernesHomes.com *listing courtesy of Krista Fowler, SellState Alliance Realty Features List Move In Ready Gas Fireplace Fenced Yard New Roof Basement Close to Shopping
Equal Housing Opportunity.	SellState Alliance Realty : 9475 Briar Village Point, STE 215 - Colorado Springs, : 719-629-6142