Conifer, Evergreen and Denver real estate and homes for sale in Colorado, mountain, acreage - Steve Lichen and the Lichen Team, REALTORS® Steve Lichen and the Lichen Team REALTORS(r) for Conifer, Evergreen and Denver, Colorado real estate, mountain, acreage - NUMBER1EXPERTS™ Steve Lichen and the Lichen Team NUMBER1EXPERTS(tm) for Conifer, Evergreen and Denver, Colorado real estate, mountain, acreage
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Steve Lichen and the Lichen Team, REALTORŪ, real estate agents and broker for Conifer, Evergreen and Denver Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)


All agents are NOT alike! Find out why we are top real estate experts. Call us: 303-881-9728.


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"We had our home listed with another realtor and it did not sell."
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First Time Homebuyers: Conifer, Evergreen and Denver Colorado home buying, real estate listings, and homes for sale in Jefferson County, CO
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORSŪ Are Your Professional Guides. Make Sure You Choose Top Experts. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top real estate experts for Conifer, Evergreen, Bailey, Pine, Kittredge, Indian Hills, Morrison and Denver, it's our job to guide you, from beginning to end. 

We will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached. 

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly... 

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Real Estate Tips
First Time Buyers >Credit Card Common Sense

If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.

People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.

Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.

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Real Estate Trivia
Q 
According to Feng Shui, the art of home placement, what five elements are needed in a harmonious environment?

A 
Wood, fire, earth, metal and water must be balanced to create a happy, prosperous home.
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Steve Lichen and the Lichen Team, REALTORŪ, real estate agents and broker for Conifer, Evergreen and Denver Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

Steve Lichen and the Lichen Team
Keller Williams Foothills Realty

27132 Main Street, Suite 200
Conifer, CO 80433
Steve Lichen - Direct: 303-881-9728
Mary Knudsen - Direct: 303-887-0683
Allison Jansson - Direct: 303-829-8085
E-Fax: 1-866-859-5881
stevelichen@NUMBER1EXPERT.com

When you want action, you want The Lichen Team. They work hard for their clients. Their clients' goals are their goals. Their clients' needs are their needs. As a result, they persevere. They deliver! Drawing from years of experience and private research, Steve Lichen & The Lichen Team have developed a unique system that benefit their clients, either buyers or sellers.

Equal Housing MLS REALTOR


Keller Williams Foothills Realty real estate and homes for sale in Conifer, Evergreen and Denver Colorado

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