Monthly Newsletter from New Dawn Realty November 2, 2022

Okay, first things first—let’s talk parties!
Mark your calendars for the upcoming events you will not want to miss:
November New Dawn Realty Holiday Pie Giveaway and Client Appreciation Gathering!
When: November 19, 2022 from 11:00 am- 1:00 p.m.
Where:  5613 DTC Pkwy Suite 750, Greenwood Village, CO 80111
Pick up your pie, visit with us (if you have time) and celebrate the Thanksgiving Holiday. Festive snacks, drinks and giveaways.
Choose from Pumpkin, Apple, or Pecan.
Please RSVP to [email protected] by Sunday, November 13th.
December 2022:
Toys for the Mission.
Every year, I donate to Toys for the Mission a nonprofit so that underprivileged kids receive gifts for Christmas.
If you’d like to donate, please send me an email. More details to come.
January 2023:
Educational Class: So you want to be a millionaire?
When: January 17, 2023 from 4:00- 6:00 p.m.
Where:  4 Inverness Ct E #200, Englewood, CO 80112
*Dawna Hetzler, New Dawn Realty will share insights about When and how to purchase real estate as an investment.
*Valerie Cameron, Prime Lending will teach you three secrets of How Landlords use other people’s money to grow rich in their sleep.
*Chris Bowland, Financial Advisor with Edward Jones will Pave the path to financial freedom.

Market Update:

I often get asked: "How smart are temporary rate buy-downs?"

That's a great question and here's some math you can use.

First off, for a seller, offering a temporary rate buydown is a great way to entice potential buyers. As a win-win, a buydown is a great tool for buyers in today's rate environment. There are two main types of buydowns, either a 2-1 or a 3-2-1. On a 2-1 buydown the interest rate in year 1 of the loan is reduced by 2% and by 1% in the second year. For a 3-2-1 the rate is reduced by 3% in year 1, 2% in year 2, and 1% in year 3 of the loan.

How impactful is this to payments? On a 3-2-1, for a $400,000 loan amount, the payment in year 1 is reduced by $751.55/month! $513.92 for year two and $263.01 in year 3. This makes a tremendous difference in affordability.

Here's the kicker....points paid to permanently buy down a rate on a standard transaction are lost when a consumer refinances. Most everyone in the industry expects rates to be lower inside the next 24 months and refinance activity will be robust. All those funds paid in points will be lost. With a temporary rate buydown, the excess funds are NOT lost. Those funds are used to REDUCE the loan amount when a consumer refinances into a lower fixed rate. This is a major advantage to the consumer. Again, this is an amazing opportunity to "Marry the house and date the rate."

Knowing the proper structure using this tool will greatly reduce days on market for sellers and keep hesitant buyers motivated and ready to pull the trigger.

Need more details? I have some amazing lenders I work with and will connect you. 
I'm here to help put you in a position of strength.


Something I learned in October:
I took my yearly trip with my best friend, Julieann, to see the fall colors in Vermont.
What I discovered is Vermont has different fall colors than Colorado. Pinks, orange and yellows I’ve never experienced up until now.
Proof there’s always more to see and learn.
One hope for November:
The holiday months of November and December’s hustle bustle will be replaced with curiosity and awe. Cherishing each moment and embracing each beautiful day, one at a time.
I’m also officially licensed in Florida! 
If you are looking to either move to Florida or find a new investment property/seasonal rental, I’d love to help.
Happy Fall ya’ all!

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