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    Thinking Of Buying A Home?
    Keith Gantenbein
    • Jun 20, 2017

    Thinking Of Buying A Home?

    If you’re thinking of buying a home you’ve probably noticed the inventory of available houses for sale has been declining and mortgage rates and housing prices are on the rise. After years of having a huge inventory of houses to choose from, thousands of foreclosures and very low mortgage rates, the market is heading the other way. Denver is number three regionally for having the fastest time to sell a house. The average amount of days in Denver to sell a home is now 18 days,
    Repeat Foreclosures On The Rise- Should You Hire A Colorado Foreclosure Defense Attorney?
    Keith Gantenbein
    • May 17, 2017

    Repeat Foreclosures On The Rise- Should You Hire A Colorado Foreclosure Defense Attorney?

    Nationwide, home foreclosures have dropped to their lowest level since November 2005. During April 2017, there were 77,049 filings reported in the U.S. This number includes default notices, scheduled auctions and bank repossessions. The figures reflect the lowest number of foreclosures since the housing crisis began. While the drop is significant, at the same time there was a rise in repeat foreclosures. A repeat foreclosure is noted as any property address with the same owne
    Freddie Mac Sells Off $667 Million
In Non-Performing Mortgage Loans
    Keith Gantenbein
    • Mar 31, 2017

    Freddie Mac Sells Off $667 Million In Non-Performing Mortgage Loans

    The Federal Home Loan Mortgage Corporation, known as Freddie Mac, announced last week that it’s selling off non-performing loans to private investors. Freddie Mac is a public government-sponsored enterprise (GSE) headquartered in Virginia. Freddie Mac was created in 1970 to help expand the mortgage market alongside the Federal National Mortgage Association (Fannie Mae). Previously, from 1938 to 1968 Fannie Mae was the only institution that bought mortgages leading to and enco
    Home Loan Modifications Ending
    Keith Gantenbein
    • Dec 29, 2016

    Home Loan Modifications Ending

    The Home Affordable Modification Program (HAMP) was introduced in 2009 and established to help homeowners recover from the great housing bubble burst. The HAMP was part of the Making Home Affordable program (MHA) along with the Hardest Hit Fund program (HHF) that was under the Troubled Asset Relief Program (TARP). These programs were part of the Emergency Economic Stabilization Act of 2008 and put into place to help struggling homeowners avoid foreclosure. HAMP and the entire
    Homeowners Battle HOA Over Landscaping
    Keith Gantenbein
    • Nov 9, 2016

    Homeowners Battle HOA Over Landscaping

    Homeowner Jim Hildenbrand has been embroiled in a four-year court battle with his Homeowner’s Association (HOA). His case went to the state appellate court but that court raised more issues than it settled. The Kansas Court of Appeals reversed the district court’s ruling and sent the case back for resolution. The appellate court said the district court applied an “incomplete test” in determining whether the HOA acted in good faith. The HOA has control over the 153 homes in hi
    How To Spot A Fake Tax Call From An 'IRS Agent'
    Keith Gantenbein
    • Sep 28, 2016

    How To Spot A Fake Tax Call From An 'IRS Agent'

    Hundreds of Americans are getting frightening calls from “IRS Agents” making threats including sending the sheriff over to arrest them if they don’t pay back taxes immediately. The first 8 months of this year there has been a 400% surge in these phony calls and text messages. These calls are alarming due to the fact the so-called “IRS Agent” have personal information including their correct social security number, where the person lives, where they used to live, their maiden
    Denver's Hot Summer Real Estate Market- Will It Cool In The Fall?
    Keith Gantenbein
    • Sep 15, 2016

    Denver's Hot Summer Real Estate Market- Will It Cool In The Fall?

    Colorado’s housing market continues to be ‘hot’. The top ten hottest cities in our nation are: Miami, Phoenix, Chicago, Fort Lauderdale, Houston, Denver, San Antonio, Charlotte, San Diego and Flint. Denver is number 6. In the Denver-area, the average price of a single-family home rose 3%, averaging around $445,000 per home. Condominium prices rose 4.5% to an average of approximately $298,000. Houses and condos are on the market (listed) an average of 24 days before they are s
    The Tiny Home Real Estate Movement
    Keith Gantenbein
    • Aug 15, 2016

    The Tiny Home Real Estate Movement

    About two years ago “tiny houses” began an upward trend in new sales of homes in what has become the Tiny House Movement. Even the most traditional builders are jumping on the bandwagon and building their own selection of tiny homes. America’s love affair with tiny homes is contrary to a nation whose homes average 2,200 to 2,600 square feet. What is the obsession with these tiny homes and what are they? A tiny home typically ranges from 100 to 400 square feet. By definition a
    Co-Owning Real Estate With A Partner Or A Friend
    Keith Gantenbein
    • Jul 26, 2016

    Co-Owning Real Estate With A Partner Or A Friend

    If you’re thinking of buying (co-owning) a home with a partner, if you’re an unmarried couple or just friends, it’s extremely important to protect yourself if there were a death, a parting or foreclosure. The decision you make in co-owning any property can have disastrous repercussions and consequences. Approximately 25% of primary homebuyers in the US are single. Generally speaking, non-married buyers have very little or no estate-planning protection at either the state or f
    Getting a Mortgage After a Short Sale or Foreclosure
    Keith Gantenbein
    • Jul 14, 2016

    Getting a Mortgage After a Short Sale or Foreclosure

    The housing bubble triggered foreclosures to hundreds of thousands of distressed homeowners all over our nation. If you experienced a foreclosure or opted for a short sale, that doesn’t mean you will never be able to own a home again. Your credit will take a hit after a foreclosure or short sale. The Federal Housing Administration (FHA) loans are the most forgiving of foreclosures. You’ll have to wait at least three years after your foreclosure to qualify. The three years sta
    How Brexit Might Affect The U.S. Real Estate Market
    Keith Gantenbein
    • Jul 6, 2016

    How Brexit Might Affect The U.S. Real Estate Market

    By now, most of us have heard something about Brexit (British Exit). In a sentence, Britain voted to leave the European Union (EU) in a historic referendum June 23. The effects of Brexit are being heard around the world. Britain has the world’s fifth-largest economy and is one of the United State’s biggest trading partners. After the vote, Britain’s pound dropped to a 30-year low prompting Americans to change vacation plans to visit Britain and take advantage of the low price
    Signs The Real Estate Bubble Is About To Burst- Again
    Keith Gantenbein
    • Jun 13, 2016

    Signs The Real Estate Bubble Is About To Burst- Again

    The number of luxury homes sitting on the global market and not selling is beginning to pile up. It may also be a forewarning of the beginning of another housing bubble getting ready to burst. The last time there was a rise in luxury homes not selling was in 2007 and 2008 - right before the housing crash. Analysts and brokers are warning of another housing bubble due to the high number of luxury homes not selling that they think is a sure ‘bubble signal’. The housing market
    Tax Tips For Starting Your Own Business
    Keith Gantenbein
    • Jun 6, 2016

    Tax Tips For Starting Your Own Business

    If you’re starting a new business, the tax obligations aren’t something you should try to handle alone. Meeting with a qualified tax and business attorney can save you thousands of dollars and ensure your business is starting out on the right foot. When it comes to taxes, there’s no room for error. An audit, additional taxes, penalties and fees can become a nightmare if you make one error, or grab the attention of the IRS. The first day your business is up and running, your b
    Mortgage Foreclosure and Survivors' Rights
    Keith Gantenbein
    • May 31, 2016

    Mortgage Foreclosure and Survivors' Rights

    California is a step closer to signing a bill into law to protect families from foreclosure after the death of the primary mortgage note holder. The Bill is known as the “Survivor Bill of Rights”. Other states may soon follow in passing similar laws. When a spouse dies, often the surviving spouse can’t afford the mortgage payment. The survivor usually calls the lender to let them know the spouse has died. When the survivor tries for a loan modification due to loss of income,
    Timeshare Horror Stories
    Keith Gantenbein
    • May 18, 2016

    Timeshare Horror Stories

    Timeshares came into being during the early 1960s in England where people would share a holiday (vacation) home. The sharing typically would be between four families who would rotate their seasons each year so each family could enjoy the prime times. In the 1970s, timeshares hit the U.S. A company set up shop in south Florida and sold timeshares in the U.S. Virgin Islands. Timeshares evolved into sharing one piece of property, generally a condominium between 50 people, each
    Shutting Down Illegal Student Loan Relief Schemes
    Keith Gantenbein
    • May 10, 2016

    Shutting Down Illegal Student Loan Relief Schemes

    On March 15th, the Consumer Financial Protection Bureau (CFPB) requested that a federal district court enter a final judgment and order to shut down StudentLoan Processing.US which is a fictitious business name of Irvine Web Works, Inc and its individual owner, James Krause. The order bans the company and owner from any future involvement in debt relief and student loan services and to pay refunds to thousands of harmed consumers. The CFPB alleged the student debt relief sche
    Are HARP And HAMP Ending This Year?
    Keith Gantenbein
    • May 5, 2016

    Are HARP And HAMP Ending This Year?

    Are the Home Affordable Modification Program (HAMP) and Home Affordable Refinance Program (HARP) really be ending at the end of this year? The Federal Housing Finance Agency (FHFA) Director Mel Watt gave a speech last year on both HAMP and HARP programs. He revealed that HAMP would be finished at the end of 2016. Concerning HARP, Watt said ‘we anticipate that this will also be the final extension for HARP.” Originally set to expire at the end of December 2013, the programs w
    Want To Save A Ton Of Money? Hire An Attorney Instead Of A Realtor
    Keith Gantenbein
    • Apr 29, 2016

    Want To Save A Ton Of Money? Hire An Attorney Instead Of A Realtor

    When buying or selling real estate, normally a real estate agent is involved. In the past, one of the main reasons for using realtors were their access to the Multiple Listing Service (MLS) to list the property for all to see. Nowadays the internet is the first tool people use to list, buy or sell their property, especially the “For Sale by Owner” homes. Many are turning to real estate attorneys to ‘close the deal’. The advantage of this is money. Attorneys will charge eith
    Life After Death- Tax Surprise For Millions
    Keith Gantenbein
    • Apr 25, 2016

    Life After Death- Tax Surprise For Millions

    Millions of Americans have had horrible and challenging years due to the Great Financial Crisis and subsequent meltdown. Many are just now beginning to recover from earlier job losses, health issues, mounting debt and even loss of their homes through foreclosure, deed-in-lieu or short sale. Just as they’re climbing out of the hole they receive a dreaded IRS Form 1099-C or related statement detailing the discharge of indebtedness as miscellaneous income. What does this mean? I
    New Student Loan Forgiveness
    Keith Gantenbein
    • Apr 19, 2016

    New Student Loan Forgiveness

    The Department of Education announced this week they will be sending letters to 387,000 people who have student loans telling them they’ve been identified as eligible to having their loans forgiven under a new student loan debt relief initiative. The student loan relief will be available to borrowers who can’t work due to a disability. The notification letters will begin going out to these eligible borrowers beginning April 18th and will continue being sent over a 16-week per
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