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Cheyenne Wyoming Events and News, Local Information, Cheyenne Photo Galleries, Real Estate Market Information
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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:
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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.
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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.
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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.
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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.
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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.
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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.
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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:
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Buy used. Talk to your friends, scourCraigslistoreBay, and explore a few thrift shops.
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Pay with cashwhen you can to avoid paying interest on big purchases.
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A bank likeSmarty Pigcanhelp motivate you to save up enoughto buy something outright, instead of on credit.
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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:
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Discoverthrift shopsand
the thrill of a great find.
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Buy during sales-
but only buy what's on your must-have list. Don't buy something only because
it's cheap.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Your Real Estate Agent will
negotiate on your behalf.
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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.
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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.
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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?
A 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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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What are the strong and negative
points?
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What are the important parameters
missing?
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What is the home made of?
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What is the other future maintenance
especially when it involves cost?
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What are the added features on the
housing package that you don't actually need?
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Would you be willing to pay more and
charge it on your card than saving it for future monthly payment?
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Is the nearest school nearby? Is it
a good and reputable school?
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Is the nearest grocery or hospital or
church accessible? Where are the
recreational areas?
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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.
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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.
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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:
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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.
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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.
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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.
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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!
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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.
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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.
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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.
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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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