fam101 – The Home Buying Process
Dec 30th, 2013 by Larry D Bass   303.944.2277  Here I (Larry) explain the Home Buying Process with my co-host and son Levi Bass.  We highlight the steps a buyer will take to complete the buying process and enjoy their new home.  This is radio episode #1 in a series entitled The Home Buying Training Program.  If I can help you, your friends, family members or co-working in buying, selling or refinancing a home, just give me a call on my cell number above.  Have a great day.


fam099 – So You Want to Buy a Home_Part I
Oct 26th, 2013 by Larry D Bass

Larry with eRealEstateTeam and Mortgage Achievers go through the first 5 steps in buying a home in part 1 of this radio show. The first 5 steps are:

1. What is the difference between Pre-Approval and Pre-Qualification on a loan?

2. How much can you afford?

3. Organize your paperwork.

4. Build and enhance your credit.

5. Find a real estate agent.

I you have any questions regarding buying a home or if you qualify for a home loan, give Larry a call at 303.944.2277 or email him at

fam079 – Hot Off the Press…F*R*E*E Credit Repair
Mar 13th, 2012 by Larry D Bass

Larry explains how to get your credit report repaired for F*R*E*E. The mortgage company has a credit repair specialist on staff and all they ask is that you, the buyer, use them for your loan with competitive loan terms and rates.

fam062 – Happy Home Owners
Jul 14th, 2011 by Larry D Bass Here is a couple who just bought their FIRST home with a VA loan and put ZERO of their monies into the down payment or closing costs. Meeting with Larry was crucial in determining their needs, goals and desires. Call Larry at 303.944.2277 if you’re in the Denver area and want to buy a home as well.

fam061 – Is the Denver Market Drowning?
Jun 24th, 2011 by Larry D Bass

www.AvoidForeclosure.TV Here I explain that the Denver Colorado market IS NOT drowning in significant depreciation; that the overall market here has only depreciated approximately 1%. This is the time to buy…with unusually low fixed interest rates, with low housing values and rental rates going up, take advantage of this “perfect storm”. Call me (Larry) at 303.944.2277 if you have any questions. Also visit www.AvoidForeclosure.TV to download my F*R*E*E ebook Should I Short Sale My Home?

fam043 – 10 Reasons You Should Buy a Home Now!
Oct 19th, 2010 by Larry D Bass

10 reasons you should buy a home now


At the peak of the housing bubble, plenty of people thought a house was the key to riches. Now they’re wondering if buying a home even makes sense anymore.

You can get a good deal

You can get a house at a bargain price now — especially if you play hardball. This is a buyer’s market. Most of the other buyers have vanished since the tax credits on purchases expired.

We’re four to five years into the biggest housing bust in modern U.S. history. And prices have come down a long way — about 30% from their peak, according to the S&P/Case-Shiller Indices, which track home prices in cities across the country. Yes, it’s mixed. New York‘s prices are down only 20%. Arizona‘s have been halved.

Will prices fall further? Sure, they could. You probably won’t catch the bottom, but it doesn’t really matter so much in the long haul.

Mortgages are cheap

You can get a 30-year home loan for about 4.3%. What’s not to like? These are the lowest rates on record. As recently as two years ago, they were about 6.3%. That drop slashes your monthly repayment by a fifth.

If inflation picks up, you won’t see these mortgage rates again. And if we get deflation and rates fall further, you can refinance.

You’ll save on taxes

You can deduct mortgage interest from your income taxes. You can deduct your real-estate taxes. And you’ll get a tax break on capital gains — if any — when you sell.

Sure, you’ll need to do your math. You’ll get the income tax break only if you itemize your deductions, and you may be better off taking the standard deduction instead. The tax breaks are more valuable the more you earn and the bigger your mortgage. But many people will find that these breaks mean owning costs them less, often a lot less, than renting.

It’ll be yours

When you own, you can have the kitchen and bathrooms you want. You can move the walls, build an extension — zoning permitted — or paint everything bright orange. Few landlords are so indulgent; for renters, these types of changes are often impossible.

Also, you’ll feel better about your home if you own it. Many years ago, when I was working for a political campaign in England, I toured a working-class northern town. Prime Minister Margaret Thatcher had just begun selling off public housing to the tenants.

“You can tell the ones that have been bought,” said my local guide. “They’ve painted the front door. It’s the first thing people do when they buy.”

It was a small sign that said something big.

You’ll get a better home

In many parts of the country, it can be hard to find a good rental. All the best places are sold as condos. Money talks.

But this is a case-by-case issue: In Miami right now there are so many vacant luxury condos that owners will rent them out for a fraction of the cost of owning. Generally speaking, however, if you want a good home in the best neighborhood, you’re better off buying.

It offers some inflation protection

Although housing can’t entirely protect you from inflation, studies by professor Karl “Chip” Case, of Case-Shiller, and others suggest that over the long term, housing has tended to beat inflation by a couple of percentage points a year. That’s valuable inflation insurance, especially if you’re young, raising a family and thinking about the next 30 or 40 years.

In the recent past, inflation-protected government bonds or Treasury inflation-protected securities offered easier forms of inflation insurance. But yields there have plummeted of late. That also makes homeownership look a little better by contrast.

It’s risk capital

Your home isn’t the stock market, and you shouldn’t view it as a way to get rich. But if the economy does surprise us all and start booming, sooner or later real-estate prices will head up again, too.

One lesson from the past few years is that stocks are incredibly hard for most normal people to own in large quantities — for practical as well as psychological reasons. Equity in a home is another way of linking part of your portfolio to the long-term growth of the economy — if it happens — and still managing to sleep at night.

It’s forced savings

If you can rent an apartment for $2,000 a month instead of buying one for $2,400 a month, renting may make sense. But will you save that $400 for your future? Most people won’t.

Once again, you have to do the math, but the part of your mortgage payment that goes to principal repayment isn’t a cost. You’re just paying yourself by building equity. As a forced monthly saving, it’s a good discipline.

There’s a lot to choose from

There is a glut of homes in most of the country. The National Association of Realtors puts the current inventory at around 4 million homes. That’s below last year’s peak but well above typical levels and enough for about a year’s worth of sales.

More homes keep coming onto the market, too, as the banks slowly unload their inventory of unsold properties. That means great choice as well as great prices.

Sooner or later, the market will clear

Demand and supply will meet. The U.S. population is forecast to grow by more than 100 million people over the next 40 years. That means maybe 40 million new households looking for homes.

Meanwhile, this housing glut will work itself out. Many of the homes will be bought. But many more will simply be destroyed — deliberately or by inaction. This is already happening. Even two years ago, when I toured western Florida, I saw bankrupt condo developments that were fast becoming derelict.

And, finally, a lot of the glut simply won’t matter to you. It’s concentrated in a few areas, such as Florida and Nevada. Unless you live there, the glut won’t have any long-term impact on housing supply in your town.

NOTE:  this article was written by Brett Arends with the Wall Street Journal.  The link to this article is at:

fam035 – Peanut Butter Jelly Sandwich & Buying a Home
Aug 11th, 2010 by Larry D Bass

(Please turn up the sound)   I explain how the making of a Peanut Butter Jelly sandwich is a lot like buying a home.  This video is less than 5 minutes long.    Larry Bass   303.944.2277

fam034 – Buying a home for $1500 or less
Aug 3rd, 2010 by Larry D Bass

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