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  • PROFESSIONAL HELP DURING THE GOOD AND THE BAD TIMES

    Moving away from the place you called home for so long can be a sad experience. Your financial situation deteriorated and you are forced to take corrective action. This can be a positive experience by demonstrating the right attitude. By making decisions in the right direction, you can become stress free. If your mortgage payment became a burden and you can no longer keep up with the increase of living costs, contact your Realtor for professional help, guidance and assistance.

     

    Definition (Thesaurus) of Foreclosure: to deprive (a mortgagor) of the right to redeem mortgaged property, as when payments have not been made and to bar an equity or a right to redeem (a mortgage).

     

    Definition (Thesaurus) of a Short Sale:  occurs when a property is sold and the lender agrees to accept a discounted payoff, meaning the lender will release the lien that is secured to the property upon receipt of less money than is actually owed.

    In the process of foreclosure the bank now owns the property. This is usually caused by default on mortgage payments and ends up in a forced sale at a public auction. With short sales, the bank does not own the property, as is the case with foreclosures. However, the bank does need to approve the sale since the bank, and not the seller, incurs a loss on the property (which is usually sold below market value).

    According to a cover story in the Washington Times some time ago Zillow reported that more than one-fifth of Americans owe more on their mortgage than their home is worth. For homeowners who can not pay their monthly debts, being underwater is unpleasant and worrisome. Contact your lender as soon as you recognize you will have a problem paying your mortgage and continue to pay your mortgage as long as you can; even partial payments are better than no payment at all. Get in touch with your Realtor who can do an accurate market analysis and price your home according to its true market value. A short sale can be a better solution because the long-term consequences are less painful than a foreclosure.

    Mark your calendar for these great Christmas events coming soon:

    • The Plaza in downtown Cheyenne sets the stage for more than a month of Christmas and Holiday Celebration when the oversized cowboy boots that have graced the area are ornamented by holiday decorations and a Christmas tree that will be lit during a ceremony Nov. 18. That same day, the Depot Museum, housed in the historical Union Pacific Railroad depot, holds a gingerbread house contest with categories for amateur and professional bakers of all ages.
    • The Depot will be decked in holiday decor in late November, when the Festival of Trees opens just in time for Christkindlemart, a vendor fair of homemade arts and crafts, plus fine gifts. The Christkindlemart runs Nov. 24 - 26 with a special Children's Tea on Nov. 25 that is geared toward youngsters ages 3 to 10. An adult tea is also available on Nov. 25 amidst the fun and glamour of the Festival of Trees. The children bring small gifts and decorate a tree before partaking in their special tea time. The fully laden tree then becomes part of the Festival of Trees, which concludes on Nov. 30 with an auction of the decorated trees.

    For expertise assistance on buying or selling your home, we encourage you to contact us.

     

  • REFINANCE YOUR HOME:

    Even if you are positive that you want to refinance your home you still have to take time and make the most of the process. The first thing you should do here is get to identify what the present refinance rates are, in order that you can decide whether or not it is going to even be worth it for you to refinance your mortgage.

    • Mortgagerefinancing involves paying off your previousmortgagedebts with a new loan, even though you usually only do this if you are going to be offered a lower interest rate than the one you started with the intention that you will be saving money, both initially and long-term.
    • This is the vital advantage of home refinance, and themortgageloans come with two types of interest rates: fixed rate and changeable rate. If you refinance your home, you also comprise the option of switching from a fixed rate to an adjustable rate of interest; either is going to result in being more profitable for you.
    • If you are in search of a quick low interest refinancemortgageinterest rate, the Quicken Loans Company is absolutely one to check out. They are indeed recognized as being the nation's largestonline mortgage lenderand they recommend mortgages in all 50 states. They at the moment have more than 4,000 passionatehome loanexperts working for them, all who are devoted to getting you into the home of your dreams. They have over 22 years ofmortgagelending experience so you be acquainted with they have the expertise and knowledge that you are looking for, and they are accepted as being the preferredmortgagelender for several of America's top companies including AT&T, Google, Yahoo!, Compuware, EDS and more.

     You have a handful options when you want to find out refinance rates, and the two best resources that are going to be accessible to you here are the Internet and your bank. The Internet offers an assortment of different companies that help you to find the lowest refinance rates on the market, and generally for free. The goal of these companies is to assist borrowers find the best mortgages or loans to suit their individual needs. Refinancing your home can be an extremely beneficial and financially rewarding option. 

  • SAVE MONEY!

    One important way to cut down on your expenses is to take care of your stuff and yourself. The more quickly you wear your possessions out, the more money you'll spend replacing them. Similarly, if you take care of your body's health, you won't wear out or get sick as quickly. Fewer visits to the doctor are always good for the wallet. So follow these guidelines to curb your spending.

     

    Big Purchases:

     

    • Buy used. Talk to your friends, scourCraigslistoreBay, and explore a few thrift shops.
    • Pay with cashwhen you can to avoid paying interest on big purchases.
    • A bank likeSmarty Pigcanhelp motivate you to save up enoughto buy something outright, instead of on credit.
    • Shop online. You might be able to get a better deal on purchases from a company that doesn't have to pay the overhead associated with a brick-and-mortar storefront. You'll also save on the gas it would take to go to the store.

     

    Clothes:

     

    • Discoverthrift shopsand the thrill of a great find.
    • Buy during sales- but only buy what's on your must-have list. Don't buy something only because it's cheap.
    • Stick to machine-washable clothesto avoid dry cleaning expenses.

     

    No Impulse Buys:

     

     

    Be sure to look at Events Calendar for the most exciting upcoming events. Greater Cheyenne Chamber of Commerce can provide you with all Cheyenne events and hot deals. 

     

  • MAKE THE MOST PROFIT POSSIBLE:

    For many empty nesters, the decision to make a move from the place they have called home for so many years is a difficult one. After years of living in a house full of the noises and chatter of children, suddenly all that you can hear is the quiet hum of the refrigerator. There are pictures all over the house with fond memories associated with them but then there are many empty rooms also. These are rooms where your children used to live until it was time for them to move onto the next stage of your life and now the items in the rooms are only gathering dust.

    Maybe it is now time even for you to move on to something better and downsize to a place that is more suitable for your retirement years. However, before you make the move, it is very important that you understand the most common and the most costly mistakes that most empty nesters make. Here are nine tips that can help you avoid these mistakes, make the most profit possible, and keep the home selling process under your own control and stress-free.

    • Probably the first thing that you should know is why you are actually selling the house. This will decide the price that you set and also how much time and money you are willing to spend on getting your house ready for a sale. However, although it is important that you are clear about your objectives, don't make the mistake of telling others about it or they would use it against you on the negotiating table. Instead, just say that your housing needs have changed.
    • Make sure to research properly before setting a price for the property. By setting the price, you let the buyers know the maximum amount they will have to pay for the house, but don't make the mistake of pricing it too low or too high. This is because, most buyers will look at around 20 houses and they know how to compare them. So, if your house does not compare well with others in your price range, you will not be able to turn any prospect into a buyer. This means that your house will be in the market for a long time and new buyers will start to wonder why your house hasn't sold for so long.
    • Your agent should be able to find out what other comparable homes are selling for in your own neighborhood. Get information about homes sold in the last 6 months and the homes that are currently listed. Remember, this is how your prospects will compare your house.
    • Your real estate agent should be a good one. Good communication, good feedback, good pricing, and good relations with the agent are necessary for the success of any real estate deal.
    • Make sure to make your house presentable. How the property looks on the outside and the inside is necessary to get a good offer. Clean up your house, remove the clutter, and fix everything that matters. Don't go around pointing to prospective buyers how they can make improvements.
    • Your prospects should be able to get any information about your house as easily as possible. It may surprise you but things such as traditional open houses are not always that effective.
    • Your Real Estate Agent will negotiate on your behalf.
    • As a seller, your Real Estate Agent will disclose everything. Any flaws present in the house should be disclosed to the buyer in writing so that later when a problem comes up, you don't get slapped with a lawsuit. All terms, costs, and responsibilities should be clearly spelled out in the contract. Don't deviate from what is listed in the contract. So, if the buyer asks for making the move before the closing, just say no. Don't take any risks that can potentially prove to be a deal breaker.
    • Don't make the mistake of selling the house before you make the move. A vacant house does not give a very good appearance to the house and you could lose thousands of dollars in the process. This is because this tells the buyer that you have a new home and you would want to get rid of this one as soon as possible which gives them a upper hand during the negotiation process.

     

    LOCAL NEWS:

    On the Border grill still on the table:

    By Becky Orrborr@wyomingnews.com

     

    CHEYENNE -- Construction of an On the Border Mexican Grill and Cantina in Cheyenne should start by June. Original plans indicated the restaurant would open in the summer of 2010.
    "Because of the economy, we slowed everything down," said James Yates, owner and operating partner."We extended our franchise agreement," he said. "We have an agreement. We will have some kind of shovel in the ground by June 2012."

    Yates and his partners from Rapid City, S.D., are looking for a site for the restaurant. They will continue the search this winter."We're very excited about getting it ready in Cheyenne. The market is definitely ready," he said."We are very committed to Cheyenne," Yates said. "It's been a long haul. We're extremely excited about getting it in Cheyenne."

    Yates also owns the Sanford's restaurant in Cheyenne. He said he has lived here for 19 years.
    The partners have a franchise agreement to build On the Border restaurants in Casper and Sioux Falls, S.D., too.

    On the Border is a chain of Texmex restaurants. The casual dining restaurants are located throughout the United States and in Canada, Dubai, Egypt, Puerto Rico, Saudi Arabia and South Korea, according to the company's website.

    In September 2009, an article in the Wyoming Tribune Eagle said crews would build the restaurant at Meadowland Drive across from Old Chicago. However, construction crews are building a kidney dialysis center there now.

  • TAKE CARE OF YOUR SCORE TO BUY A HOME:

    Your credit rating is a score calculated by the lender based on your credit file, the amount you want to borrow, existing borrowings and the security you can put up. Your credit file is reviewed when applying for a homeowner loan, mortgage, and car finance and sometimes when applying for a job. Your credit rating can be considered your trustworthiness to repay the amount borrowed. It's important that you know what your credit rating is and how to maintain it.

    Good, Bad or Wrong?

    bad credit rating can be repaired and is not something to worry about long-term. However, if you are looking for a loan quickly, you will find fewer lending institutions willing to lend you money. Lenders that are willing to consider a consumer with an adverse credit history will charge greater interest rates.

    A good credit rating will attract more loan companies offering larger amounts of money, more competitive interest rates and more flexible payment agreements.

    Research states that around 80% of the credit files maintained by credit agencies contain outdated or incorrect information.

    How do I Access my Credit File?

    The first step to maintaining a healthy credit rating is to request your credit file from Equifax, Experian and Trans Union. You are entitled to one free report per year, however, you should request a report from all three because the files that they hold maybe different.

    Review your Credit File:

    Following is some of the most common errors and problems to look for when reviewing your credit file. If you notice any inaccuracies contact the credit agencies immediately. Keep copies of any correspondence and log all phone calls. Send copies of any documentation that supports you claim - do not send originals.

    • Basic Inaccuracies:Look for payments or accounts that are incorrectly recorded as late or unpaid. This can happen through no fault of your own when checks are late arriving or go missing in the post.
    • Identity Theft:This is a major concern of today and is one of the fastest growing crimes worldwide. Look for accounts that have been opened in your name without your knowledge or consent.
    • Credit File Requests:When you apply for a loan the lender will request your credit file. Each request is logged; carefully check for any fraudulent activates that could indicate an attempt at identity theft. Too many requests can be seen as detrimental by some lenders making it difficult to secure a loan.
    • Credit Fraud - Unauthorized Charges:Unauthorized use of your Credit Cards to purchase goods or services may go unnoticed, particularly if the fraud is through an account that you do not use regularly.

    Manage your credit worthiness:

    Credit agencies do not check the correctness of any information that is passed to them from your creditors; it is your responsibility to ensure that your credit file is correctly maintained. Requesting your credit report once per year regardless of wither there is a problem obtaining credit or not is the best way to ensure the credit files held with the agencies are accurate.

  • GET YOUR FINANCES IN ORDER AND BUY THE HOME OF YOUR DREAMS

    BUDGETING: A DIY SOLUTION:

    Are you one of the millions whose ‘paper' salary and ‘real' salary don't match up? Do you earn enough in theory but not in practice? As a result, are your monthly debt repayments stretching your finances to the limit - or beyond, forcing you to take out more credit? The good news is this: there is a solution to the problem - budgeting. The bad news is this: it can take quite a lot of self-discipline. Budgeting is all about income, expenditure, and closing the gap between the two.

    Step 1 - theory

    Write down everything you expect to earn / receive in a month. For most people, that's the easy it. Now, write down everything you think you'll spend in a month. This is where it gets tricky.

    • First of all, there are some bills you don't pay every month. You'll need to track down all the paperwork, find the bills you pay every year or quarter and divide the numbers by 12 or 4 as appropriate.
    • Second, some expenses are hard to track - particularly discretionary spending such as eating out, drinks, cigarettes, snacks, etc. This is why Step 2 is so important: keeping track of the dollars is relatively easy, but the cents really add up.

    (If you're not sure how to get started, it might be a good idea to get some professional debt help. There are plenty of organizations that offer free debt advice and help, whether you're looking for in-depth financial guidance or just a bit of help drawing up an ‘Income & Expenditure' table.)

    Step 2 - practice

    Spend a whole month writing down everything you spend. Tracking the 101 small expenses is critical - after all, you probably already know (more or less) what you spend on expensive things.

    Step 3 - reflection

    After the first month, take a good look at your notes. Go through your spending with a highlighter and mark all the expenses you could have avoided. Most people find they add up to a lot more than they thought. On the one hand, it's depressing to see how money gets ‘wasted'; on the other hand, it's encouraging to see how much you could save if you really put your mind to it. Hopefully, this should give you the incentive you need to keep going.

    Step 4 - calculation

    Figure out how much you could save every month if you cut out everything you don't need.

    • Could you walk instead of driving / taking public transport?
    • Could you stop (or cut down on) smoking and socializing?
    • Could you stop buying luxury items (fashionable clothes, CDs, etc.) for a while?

    Next, figure out how far you want to take your economy drive. This is a decision only you can make, based on what you know about your debts, your income and - perhaps most important - yourself. Obviously, the more you cut back, the more progress you'll make in paying off your debts. If you don't think you could cut your discretionary spending by 100%, you can always reduce it by 75% or 50%, but of course you'll have to do it for longer to get the same results. If you're looking for motivation, find a reputable online ‘repayment calculator' and see how much you could save by overpaying your debt repayments every month. (There are some kinds of debt that you can't overpay, but it's probably a good idea to focus on debts like store cards, credit cards and overdrafts anyway, as these tend to be high-interest debts which you can overpay.)

    Step 5 - perseverance

    Keep it up. Nobody likes economizing, so focus on the good points:

    • Make a chart of your debts so you can see how fast they're going down.
    • Set yourself targets (10% paid off, only $500 left, one debt paid off, etc.)
    • When you hit a target, celebrate!

    Most of all, remember: however much money you're putting towards your debts today will one day be yours to spend or save as you see fit. Think about what you'll do with your income once it's entirely yours again.

  • EMPTY NESTERS

    For many empty nesters, the decision to make a move from the place they have called home for so many years is a difficult one. After years of living in a house full of the noises and chatter of children, suddenly all that you can hear is the quiet hum of the refrigerator. There are pictures all over the house with fond memories associated with them but then there are many empty rooms also. These are rooms where your children used to live until it was time for them to move onto the next stage of your life and now the items in the rooms are only gathering dust.

    Maybe it is now time even for you to move on to something better and downsize to a place that is more suitable for your retirement years. However, before you make the move, it is very important that you understand the most common and the most costly mistakes that most empty nesters make. Here are nine tips that can help you avoid these mistakes, make the most profit possible, and keep the home selling process under your Real Estate Agent's control and stress-free.

    • Probably the first thing that you should know is why you are actually selling the house. This will decide the price that you set and also how much time and money you are willing to spend on getting your house ready for a sale. However, although it is important that you are clear about your objectives, don't make the mistake of telling others about it or they would use it against you on the negotiating table. Instead, just say that your housing needs have changed.
    • Make sure to research properly before setting a price for the property. By setting the price, you let the buyers know the maximum amount they will have to pay for the house, but don't make the mistake of pricing it too low or too high. This is because, most buyers will look at around 20 houses and they know how to compare them. So, if your house does not compare well with others in your price range, you will not be able to turn any prospect into a buyer. This means that your house will be in the market for a long time and new buyers will start to wonder why your house hasn't sold for so long.
    • Your agent should be able to find out what other comparable homes are selling for in your own neighborhood. Get information about homes sold in the last 6 months and the homes that are currently listed. Remember, this is how your prospects will compare your house.
    • Your real estate agent should be a good one. Good communication, good feedback, good pricing, and good relations with the agent are necessary for the success of any real estate deal.
    • Make sure to make your house presentable. How the property looks on the outside and the inside is necessary to get a good offer. Clean up your house, remove the clutter, and fix everything that matters. Don't go around pointing to prospective buyers how they can make improvements.
    • Your prospects should be able to get any information about your house as easily as possible. It may surprise you but things such as traditional open houses are not always that effective.
    • Your Real Estate Agent will negotiate on your behalf.
    • As a seller, your Real Estate Agent will disclose everything. Any flaws present in the house should be disclosed to the buyer in writing so that later when a problem comes up, you don't get slapped with a lawsuit. All terms, costs, and responsibilities should be clearly spelled out in the contract. Don't deviate from what is listed in the contract. So, if the buyer asks for making the move before the closing, just say no. Don't take any risks that can potentially prove to be a deal breaker.
  • PUT YOUR MONEY TO WORK FOR YOU

    If your college student is getting ready to live off campus, buying a rental property or condo may be an option worth considering.  Of course, with high rental costs and the opportunity to create a tax shelter for your hard earned money, this is a strategy many parents have found to be beneficial.

    An investment property is an excellent opportunity to put your money to work for you, and may even help offset some of the income invested into your child's education.  However, there are various factors you should consider before making any final decisions.

     

    Long term goals - Although appreciation rates may be favorable, it is important to discern how long you intend to keep the property.  Within a few years your son or daughter will be finished with their education, and you will still be left with a property to care for.

    Some individuals would rather keep the home as an investment and continue to rent the property out to new students.  Additionally, this may be a place that you will plan to use for future visits or football games long after your child is done with school.

    The problem with solely relying on strong appreciation rates is that you may not be able to command the price you desire a few years from now.  So unless you are prepared to hold onto the property for a longer time period to make the investment worthwhile, this may be something worth reconsidering.

     

    Maintenance & management - Next, purchasing a rental property is a big investment, so you want to ensure that your property is kept in good condition.  Although your son or daughter may be extremely reliable, you may need to consider other friends or roommates that will have to share in on the rent.

    Are you comfortable with trusting in 2 or more college students to watch after your property?  Also, it may be required to pay a property manager (especially once your child graduates) to help manage the home if you live at a distance. 

    Finally, it will be important that you can find reliable contractors to take care of any maintenance hassles and ensure that the property remains in tip top shape.

     

    Cash flow & taxes - After carefully reviewing the first 2 points, you may still feel that a rental property for your student is well worth the investment.  If this is the case, then there are a few things you must know about finances.

    First of all, be sure that you are buying smart.  Work with a qualified agent who knows the area and can help direct you to the best deals.  They will be able to help you figure out projected rental income and appreciation rates as well.

    After factoring in taxes, insurance, maintenance, associate fees, your mortgage, etc. you will want to make sure that you have some cash flow for extra profit and to cover unexpected problems that may arise down the road.

    This will also make your investment pay off more in the long run and can free you up to invest in future properties as well.  For those who are married, you must be aware that there is a limit to how many itemized deductions you can write off if your gross income exceeds approximately $240K. 

    Therefore, though it is possible that you can include the taxes and mortgage interest as deductions on your second property, this is something you will still need to review with a tax professional. 

    Finally, be aware that the property can also be susceptible to capital gains tax once you are ready to sell.  Either way, you will still be eligible for some depreciation on your home and to write off a portion of your maintenance and utilities, so there are always good reasons to buy.

     

    All in all, buying a rental property for your college student can be a wise investment for you and your family.  We strongly advise that you take time to sit down with your financial advisor and/or tax pro to discuss the options available to you.  For further guidance on locating a property, please contact us using the information listed above.  

  • FALLING IN LOVE WITH CHEYENNE:

    Events to mark on your calendar:

    11th of October 2011: Bunco with the Cheyenne Lady Newcomers and Friends.

    13th of October 2011: Exec. Board Meeting: 4.30p.m.

    When you think of making and starting a new home, you would not want to miss to take into consideration the property location.  What are the pros and cons about the place? How are the education, facilities and security system? Is the neighborhood the one you would like to live in?  Is the place free from any disturbances?  Would you be able to get around easily?  Is the place easily accessible?

    Careful Consideration:

    After you've visited a property or home, you could rate the home from 1 to 10. 

    • What are the strong and negative points?
    • What are the important parameters missing?
    • What is the home made of?
    • What is the other future maintenance especially when it involves cost?
    • What are the added features on the housing package that you don't actually need?
    • Would you be willing to pay more and charge it on your card than saving it for future monthly payment?
    • Is the nearest school nearby? Is it a good and reputable school?
    • Is the nearest grocery or hospital or church accessible? Where are the recreational areas?
    • How about train or bus stations in case of car repair?

     Before deciding on buying a new home, visit the property twice before deciding on getting and actually paying for it. Your Real Estate Agent will assist you to ensure that you buy the right home. You will fall in love with Cheyenne. This warm, friendly city welcomes you.

  • Realtor’s Guide to Using Photos in Real Estate Marketing

    This is a download page for the free Realtor’s Guide to Using Photos in Real Estate Marketing. This guide is intended to help Realtors and home sellers understand the basic aspects of using photos in real estate marketing.

    The posts where these documents are discussed are:

    ·         First post

    ·         Feel free to redistribute these documents. If you translate this into other languages please send me a copy of the translation and I will add it to the download list below.

    ·         Realtor’s Guide to Using Photos In Real Estate Marketing Downloads:

    Note: This guide is free and published as Creative Commons. Please use it to promote real estate photography. Feel free to modify it, extend it give it away on your site. I simply ask that if you use it, use it to promote real estate photography. And if you see fit give PhotographyForRealEstate.net credit with a link.

  • Mission accomplished

    Each year a new wave of first time home buyers hits the trail in search of their humble abode. Eager buyers must understand the true value of home ownership. There are advantages to buying a home and there is the matter of timing, which can have a lot to do with the housing market and related financing programs.
    What to consider when deciding on buying a home vs. renting according to an article by Dr Sharon L Bender: 

    • Buying a home means garnering equity, if the owner keeps the house long enough to overcome the initial cost of its purchase, that is. That can be one of the most surprising matters associated with home ownership.
    • Buying a home brings a sense of pride and accomplishment. Buying a home is also an opportunity to express more freely your personal taste, as long as the neighbours don't have to view your idea of a decent-looking sculpture in your front yard every time they pull out of their driveway. Not only is there more freedom with home ownership, but there is likely more space than one would find in a rented apartment.
    • Buying a home brings a realization that you are part of a more permanent community in which you might be a contributor to the well being of others around you. In a rented home or apartment one might feel less involved and temporary when we humans tend to be territorial, inherently needing to claim a piece of ground as our own with its sense of permanence. We think about raising children and providing them with "roots" that grow in a yard rather than on a crowded balcony.
    • When owning a home, each monthly payment is like putting money into a savings account rather than giving it to the landlord when renting. Each time the mortgage is paid a percentage goes toward your "equity." This is indeed like having money in the bank as it is something you can draw upon later if needed. Whereas rental rates increase yearly, the principle on your mortgage is going down with each payment. Plus as the housing market grows, so do the valuations of homes.

    Buying a home brings a sense of accomplishment. Here at Cheyenne we can help you to be a proud homeowner and accomplish your home buying mission!

  • Finding a Home

    When you start to look for your home, consider these factors and make the intelligent decision.

    Look at Your Needs and Lifestyle Choices

    Before deciding which house to purchase, think about your everyday life, current and expected housing needs, and your budget. You'll soon notice finding the right house involves striking a balance between your "must-haves" and your "nice-to-haves". Here are some things to consider:

    Look At How You Live

    To start, take a look at your lifestyle. If you love to cook, you'll want a well-equipped kitchen. If you're into gardening, you'll want a yard. If you're planning your office at home, you may want a room for a separate library or work space. If you have several cars, you may require a larger garage or parking spaces.

    Think About What You Might Need in the Future

    As you think about your housing needs, it's important to consider how long you may live in your home. If you're newly married, you might not be concerned with a school district right now. But you could be in a few years. If you have aging parents, you may want to look at homes that offer living arrangements for them as well as you.

    Identify Neighborhoods You Like

    You need to think about a home's location just as carefully as you do about a house's features. In addition to considering the distance to work, you need to evaluate the availability of shopping, police and fire protection, medical facilities, school and day-care, traffic and parking, trash and garbage collection, recreational facilities, even places of worship.

    Driving or walking around neighborhoods, looking at street maps of various neighborhoods, and talking with people you know who live in the neighborhood will help you better understand the pluses and minuses of the places you're considering. A real estate agent can further help you identify neighborhoods where homes are more likely to appreciate in value.

    Consider the Cost Of Living

    Where you choose to live does make a difference from a cost of living standpoint. Not only can property taxes vary significantly from area to area, but so can the costs of commuting and home association fees.

    Decide On the Type of Home You Want

    Do you want a condominium, a town house, or a detached single-family home? Do you want brick, stone, stucco, wood, vinyl siding, or something else? Do you prefer a new home or an older one?

    If you have the time and money to invest in fixing up a home, you might want to buy an older home that needs some work. A construction renovation mortgage can help with the expenses. Otherwise, you may opt to buy an older home that has the renovations already complete, or a new one that's completely energy efficient.

    Consider a Real Estate Agent

    Turn to a real estate agent to help find the right home. Finding an agent who is familiar with the areas you're interested in, has access to up-to-the-minute listing and is willing to do a lot of the legwork for you in finding homes that fit your criteria can be a big advantage. Be careful about walking into open houses or contacting listing agents directly since those agents legally represent the seller and it is in their best interest to get you to pay as high a price as possible. Always tell sellers' agents that you have your own realtor representing you.

  • I’d rather be a cowboy!

    When thinking of Laramie County, one of the things that come to mind is cowboys in addition to breathtaking sunsets and sunrises.  This is exactly what you can experience at Bit-O- Wyo Ranch! Fabulous trail rides and a cowboy experience in the foothills of the Medicine Bow National Forest between Cheyenne and Laramie. Open by special request and a once in a lifetime experience that you would like to repeat. On that note of thundering hooves, Country Music is very much alive in Cheyenne. You can party all night at the Outlaw Saloon. Boots Walker  loves country music, particularly western music. Boots Walker grew up on a ranch just outside Cheyenne and is Cheyenne’s legendary cowboy. He strolls, shops, dines and stays in Downtown Cheyenne and embraces the Cheyenne way of life. He recorded songs and is known around Cheyenne as a local celebrity. He walks the streets of Cheyenne leaving a legendary trail behind him.

     

    Tours and the Like
    One enjoyable way to get acclimated to Cheyenne will be taking the historic Street Railway Trolley tour. If touring on your own is more to your taste, Cheyenne offers a unique program of audio tours for its seven main museums and another for its Big Boots. (Throughout the city, visitors to Cheyenne will find giant decorated cowboy books created by local artists.) Best of all, the audio tours are free and allow tourists to move at their own pace using their own cell phones. 

     

    A journey to Cheyenne, Wyoming, is to have a spectacular view into the Old West. Along with cowboy culture, visitors also experience the beautiful scenery, wild outdoor activities, and big hefty dose of Western hospitality. Cheyenne is a worthwhile destination, full of rich history and adventure. The great outdoors is enough reason to visit Cheyenne, but there are plenty of museums, ranches, and entertainment venues as well. From its stunning natural landscape and cowboy spirit, Cheyenne is a refreshing "stay and play" destination. 

  • Cheyenne: Where Things Matter

    The Will Rogers Shrine of the Sun is spectacular from afar and breathtaking from the top. A Trip to the Will Rogers Shrine of the Sun is included in your Zoo admission. You must stop at the Zoo Front entry to pay your Zoo admission prior to driving up through the Zoo to the Will Rogers Shrine of the Sun. Cheyenne Mountain Zoo can touch the lives of those who visit and provide a great life for the animals that live here. Visitors are submerged into culture and habitat, inspiring a new respect for the preservation of wildlife through hands-on education and creating a memorable experience. For further information contact (719)578-5367 or e-mail eneal@elpomar.org

    Cheyenne includes many neighborhoods within and out of its city limits. Not all on the list, but some of them include:

    ·         Alta Vista in east-central Cheyenne

    ·         Antelope Hills in north-west Cheyenne

    ·         Archer Estates in eastern Cheyenne

    ·         Crystal Valley Estates in northern Cheyenne

    ·         Capitol Heights in West-Central Cheyenne

    ·         Yellowstone Estates in northern Cheyenne

    ·         Teton Estates in north-east Cheyenne

    ·         Western Hills in north-west Cheyenne

    With positive homework and effort on your part, you can make sure buying the most suitable home becomes a reality.

    ·         Contact your Real Estate Agent to represent you in the search and negotiation process. Your Real Estate Agent should be interested, relaxed, confident and qualified. Learn your agent’s rates, methods, experience and training. Be sure to give your agent thorough detail when describing what you want in a home.

    ·         Identify the area you’d like to live in. Look at prices, home design, closeness to shops, schools and other amenities. Speak to the local people. Look at the neighborhood and the condition of nearby homes to make sure you aren’t buying the only sparkler in sight. The area in which your home is located is sometimes a bigger consideration than the home itself, since it has a major impact on your home’s resale value.

    ·         Visit a few open houses to determine what is available on the market. Visit the homes you are sincerely interested in at various times of the day in order to get a good observation of noise levels, available parking, general activities, traffic and overcrowding.

    ·         Setting your heart on one particular home might cause you to end up paying more than it is worth, because you are investing emotionally. No home is so perfect that the seller can charge what he or she desires.

    Here at Cheyenne, Wyoming and Laramie County things matter. Not only do we care about nature conservation, you too matter to us.  

  • The American Dream

    Owning a home is a big part of the American Dream! Cheyenne is a place where you can live this dream. Warm, friendly people and great site seeing. Cheyenne offers many exciting events. Well known for the most amazing rodeo festivals, there is also a Fresh Market every Tuesday. This open-air market specializes in bringing the freshest locally produced foods and farm products to the local residents. Products featured at the Wyoming Fresh Market will include Amish-style peanut butter, bratwurst, smoked wild-caught salmon, trout and a variety of other products. An absolute must see is the historic Garden of the Gods Trading Post. The Trading Post lies on the southwest corner of the Garden of the Gods Park. This is the largest art gallery and gift shop in Colorado. The most magnificent site to see is the Balanced Rock. Entrance to the park is free according to the wish of Charles Elliott Perkins, whose children donated the land to the city of Colorado Springs in 1909.

    Look out for the American Indian Heritage Day Celebration in November. There will be a number of guest speakers, dancers, singers and more! You will want to come back every year for this great event!

    Join the 59,466-population figure of Wyoming. The question that comes to mind is should I buy or rent? In most cases it is better to buy instead of renting. The only exceptions are for people who have very low rent, or who plan on moving in a few years. The benefit from buying a home is that you pay your monthly installment for 15 to 30 years and then you stop paying it altogether. When renting a home however, payment carries on. How to get a mortgage (a loan)? You generally need four things to qualify for a mortgage: money to make the down payment; income that is 2 to 3 times higher than your mortgage payment; two years of solid employment and decent (not perfect) credit. There are sometimes ways around this if you lack one or two of those, but usually not if you lack three or four.

    Come and enjoy the city with the small town ambiance. Where you can breathe freely and enjoy the friendliness and hospitality of Cheyenne.

     

     

     

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My goal is to help provide local Cheyenne and Pine Bluffs information to help you keep up with what's going on in Cheyenne. You will be able to get information on Cheyenne Events, Cheyenne News, Information about the Cheyenne Real Estate Market and New Construction and so much more. Check back often because things change in Cheyenne every day!