W I T H C O N F I D E N C E E V E R Y S T E P O F T H E W A Y

K E N T W O O D C H E R R Y C R E E K

WE ARE DENVER

Kentwood Real Estate is dedicated to the legacy of being “Colorado’s Premier

Real Estate Company” through the highest producing, most knowledgeable,

caring and experienced sales team in the country, offering the highest quality

customer service experience.

W E A R E I N N O V A T O R S S E E K I N G U N P A R A L L E L E D

M A R K E T I N G A N D S U P E R I O R I N T E R N E T T E C H N O L O G Y ,

P O S I T I O N I N G O U R C L I E N T S A T T H E T O P .

OURMISSION

ABOUTKENTWOODREAL ESTATE

K E N T W O O D I S A T R U S T E D N A M E

I N M E T R O D E N V E R R E A L E S T A T E .

Founded in 1981, Kentwood Real Estate recently celebrated 35 years as one of

the most trusted names in Denver real estate. Kentwood had a record year in

2015 with total sales of $2.4 billion. The company looks forward to surpassing

its previous record in 2016.

Kentwood is comprised of over 185 top-producing real estate professionals

operating from three strategically located offices in the metro Denver area. Our

brokers and management team are dedicated to superior customer service and

unmatched expertise in all segments of the market. We also offer comprehensive

relocation services through our affiliation with the Leading Real Estate Companies

of the World. Kentwood’s marketing programs, family environment, and long-

term relationships with clients are also company hallmarks.

A company is only as good as its people. Striving for excellence has become

a tradition with Kentwood Real Estate. It shows in the performance of every

Kentwood broker associate and each member of the support staff. Locally

owned, with a strong and experienced support staff, Kentwood assists with

every facet of a sale or purchase. The Kentwood professionals know the

real estate business inside and out, and are unmatched in knowledge of the

residential market in the Denver metro area.

As Denver’s largest independent brokerage, we provide dedicated and

personalized service. Reputation is what a successful real estate company is

all about. Kentwood carefully selects its agents, who have achieved some of

the nation’s highest real estate volumes and have established a reputation as

individuals of dedication, integrity, and personalized service.

Every Kentwood broker associate is full-time and averages 20 years of

experience selling residential real estate. Kentwood professionals have

also held numerous leadership positions in the industry, communities and

neighborhoods, and are active in their local Boards of Realtors.

The offices of Kentwood Real Estate are located in the Denver Tech Center,

the Cherry Creek area, and in lower Downtown Denver (the latter known

to locals as LoDo). Kentwood Real Estate provides broad-based services to

communities throughout the Denver metropolitan area.

Looking ahead, the strength of Kentwood Real Estate comes not only from our

past, but from our ability to embrace our future. Our ability to accurately project

future trends affecting our customers and clients provides assurance that you

are in the best possible hands. You will benefit from our knowledge and expertise

in the latest areas of technology, market trends and relocation strategies while

maintaining the good, old-fashioned customer service and personal attention that

has earned Kentwood its prestigious reputation.

KENTWOODCHERRYCREEK

Kentwood Real Estate at Cherry Creek is located in the heart of this vibrant and

evolving cosmopolitan community. Our brokers not only specialize in Central

Denver’s prestigious neighborhoods, they are also seasoned professionals with

a broad depth of knowledge in all areas of the Denver Metropolis.

Central Denver neighborhoods are known for their vibrant culture, walkable

lifestyle and diverse architecture. Kentwood brokers know bungalows to mid-

century modern, tudors to townhomes and new construction versus classic.

Whether your agent is assisting you with a purchase or is marketing your home

for sale, you can rest assured that you’re well represented.

Our brokers’ extensive relocation knowledge generated from years of assisting

transferees has fostered an ability to quickly assess the needs of our clients. We

work with buyers and sellers in all areas of the Denver marketplace as a result

of Kentwood’s strong national and international relocation connections.

We realize success by providing you with the most dependable and effective

residential real estate service possible. That is why Kentwood Real Estate is

consistently rated the most productive Denver residential real estate company.

F E W C O L O R A D O N E I G H B O R H O O D S E X U D E

T H E C H A R M , P R E S T I G E A N D V A L U E F O U N D

I N C E N T R A L D E N V E R N E I G H B O R H O O D S

I N C L U D I N G T H E C H E R R Y C R E E K A R E A .

1,800

1,700

1,600

1,500

1,400

1,300

1,200

1,100

1,000

900

800

700

600

500

400

300

200

100

0

2 0 1 5 M A R K E T S H A R E T O T A L S Total $ Volume (By CMS Market Share)

SOURCE: BROKER METRICS

LIST

SELL

KentwoodReal Estate

LIVSotheby’s

ColdwellBanker

REMAXProfessionals

REMAXAlliances

REMAXCherry Creek

Cherry CreekProperties

KellerWillams

REMAXMasters

Porchlight

MKT11.3%

MKT10.7%

MKT6.4%

MKT4.9%

MKT3.6%

MKT2.4% MKT

2.2%MKT2.2% MKT

1.8%MKT1.7%

$2,510,000,000

$3,010,000,000

$2,010,000,000

$1,510,000,000

$1,010,000,000

$510,000,000

$1,0

07,9

18,8

73

$1,0

24,3

70,15

2$1

,021

,497

,569

$1,0

69,5

83,6

51

$1,2

45,6

66,2

20

$1,4

01,0

71,17

0

$1,3

96,0

86,9

85

$1,3

83,2

61,0

00

$1,0

48,2

19,0

60

$904

,038

,716

$1,10

2,79

8,70

4$1

,122,

053,

866

$1,7

18,5

16,3

76

$2,18

5,92

9,16

2$2

,082

,431

,984

$10,000,000 2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2014

2013

2015

$2,381,298,867

0

500

1,000

1,500

2,000

2,500

3,000

3,500

4,000

4,500

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2014

2013

2015

2,76

5

2,82

1

2,78

2

2,76

6 2,97

3 3,01

13,

011

2,75

3

2,61

1

2,16

4

2,23

1

2,32

6

2,35

2

3,27

2

3,99

6

3,77

64,485

2 0 1 5 C L O S E D S A L E S V O L U M E

2 0 1 5 C L O S E D S A L E S T R A N S A C T I O N S

SALES SALES SALES VOLUMECOMPANY STATE ASSOCIATES VOLUME PER ASSOCIATE

1. The GRUBB Co. Inc. CA 68 $1,167,495,897 $17,169,057

2. Washington Fine Properties LLC DC 130 $1,959,316,752 $15,033,205

3. Paragon Real Estate Group CA 104 $1,408,309,000 $13,541,432

4. KENTWOOD REAL ESTATE CO 185 $2,089,050,576 $11,292,165

5. RE/MAX Metro New York NY 43 $472,475,440 $10,987,800

6. Pacific Union International CA 637 $6,749,876,175 $10,596,351

7. Slifer Smith & Frampton CO 145 $1,457,681,405 $10,052,975

8. RE/MAX Premier Properties CA 152 $1,494,906,795 $9,834,913

I N S A L E S V O L U M E P E R A S S O C I A T E

N A T I O N A L R A N K I N G | S A L E S V O L U M E P E R A S S O C I A T E

K E N T W O O D R E A L E S T A T E R A N K E D

According to RISMedia’s Real Estate Magazine (National Real Estate Media Publishing Company), Kentwood Real Estate ranked #1 in

Colorado and #4 nationally for highest average volume sold per associate. Kentwood is comprised of three Denver real estate offices,

located in Downtown Denver, Cherry Creek and The Denver Tech Center with a total of 190 agents. Kentwood had record years in 2015

with total sales of $2.4 billion. The company looks forward to surpassing its previous record in 2016.

With an average of 20 years of experience per agent and average sales volume of over $12.5 million in 2015, Kentwood Real Estate

out-performs their competitors.

T O P P E R F O R M I N G A G E N T S

Kentwood as a local company has always taken pride in being a good

neighbor and today, Kentwood Real Estate continues to support

numerous civic and community endeavors. Every year, Kentwood

and its agents demonstrate their commitment to the community by

volunteering and supporting local charities and events.

GIVING BACKTO THE COMMUNITY

N O N P R O F I T S , C H A R I T I E S , C I V I C & C O M M U N I T Y E N D E A V O R S S U P P O R T E D B Y K E N T W O O D A G E N T S

C O N T I N U E D O N N E X T P A G E

A Precious Child

ACE Scholarships

African School Assistant Project

Aiducatius

Aish Denver

Allied Jewish Federation of Colorado

Alpha Kappa Alpha Sorority Inc.

Alzheimer’s Association

American Cancer Society

American Civil Liberties Union

American Diabetes Association

American Heart Foundation

American Legion

American Melanoma Foundation

American Society for the Prevention

of Cruelty to Animals

Amor Ministries

Anchor Center for Blind Children

Angels on the Green

Anti-Defammation League (ADL)

Arapahoe/Douglas Mental

Health Network

Archbishop’s Annual Campaign

Art for Edison

ArtReach

Assist-a-Family

Athletics & Beyond

Autism Society of Colorado

Avon Walk for Breast Cancer

B’nai B’rith Youth Organization

Bags of Fun

Be the Gift

Bear Creek High School Football Team

BMH-BJ

Bienvenidos Food Bank

Big Brothers, Big Sisters

Blue Sky Foundation

Bonfils Blood Center

Book Trust

Boy Scouts of America

Boys and Girls Club of Denver

Boys and Girls Clubs of Colorado

Brent’s Place

Bromwell Elementary

Bronco Wives

Camp Chief Ouray

Cancer League of Colorado

Cancer League of Denver

Cancer Research

Canterbury H.O.A.

Carson Elementary

Catholic Charities

Central City Opera

CHARG Resource Center

Chatfield High School Baseball Team

Cherry Hills Village Elementary

Chi Omega Alumnae Association

Children’s Hospital Colorado

Children International

Cleo Parker Robinson Dance Company

Coats for Colorado

Cocktails for a Cause

Colorado Academy

Colorado Agency for Jewish

Education (CAJE)

Colorado Ballet

Colorado Children’s Chorale

Colorado Coalition for the Homeless

Colorado College

Colorado Opera

Colorado Ovarian Cancer Alliance

Colorado Pet Pantry

Colorado Public Radio

Colorado Pug Rescue

Colorado Veterinary Medical Foundation

(via The Goethe Fund)

Colorado Youth at Risk

Columbine Knolls South II H.O.A.

Community Sailing of Colorado

Concerts For Kids

County Sheriffs of Colorado

Court-Appointed Special Advocates

Cover Colorado

CU Denver School of Business

Davis Phinney Foundation for Parkinson’s

D.E.A. Survivors Benefit Fund

Denver Active 20-30

Denver Art Museum

Denver Ballet Guild

Denver Botanic Gardens

Denver Campus for Jewish Education

Denver Center for Performing Arts

Denver Debutante Ball

Denver Dumb Friends League

Denver Early Childhood Council

Denver Health

Denver HospiceDenver Jewish Day School Denver Kids, IncDenver Metropolitan Major League Baseball Stadium District BoardDenver Museum of Nature and ScienceDenver Public LibraryDenver Public Schools FoundationDenver Rescue Mission Denver School of the Arts FoundationDenver School of Science & Technology – ByersDenver Southeast RotaryDenver SymphonyDenver ZooDisabled American VeteransDowntown Denver Housing CouncilDowntown Denver Partnership Civic Ventures BoardDPS Summer ScholarsDress for SuccessDumb Friends LeagueEast High Angel FoundationElephant EnergyEthnic College Counseling Center Families FirstFather Woody’s Haven of HopeFCBI Annual Charity Golf TournamentFederal Boulevard PartnershipFine Arts FoundationFirst DescentsFisher Early Learning CenterFood Bank of the RockiesFountain HouseFriends of EdisonGameday Memories Gateway Battered Women’s ServicesGirl Scouts of ColoradoGirls Athletic Leadership School (GALS)Girls, Inc. of Metro DenverGirls on the Run (Rocky Mountain chapter)Global Education FundGlobal Down SyndromeGolden Retriever Freedom Rescue GoodwillGreater Park Hill Community, Inc.Greenwood Village Parks & Trails Commission

Habitat for Humanity Hands Up for ChildrenHeart AssociationHeart FundHomeSteaders of Family HomeSteadHope’s PromiseHospice of Saint JohnIndividual Grant for College EducationInnovage FoundationInstitute for International Education (IIE)Invest in Kids Jack and Jill of America, Inc. Janet’s CampJefferson Park United NeighborsJewish Community CenterJewish Family ServicesJewish National FundJewish War VeteransJudi’s HouseJunior LeagueJuvenile Diabetes Research FoundationKendall And Taylor Atkinson FoundationKent DenverKidney AssociationK-LifeKolkata City Mission Ladies of CharityLeukemia and Lymphoma SocietyLodo CaresLower Downtown Design Review BoardLupus FoundationMake-a-Wish FoundationMaple Star Colorado Foster ParentMarch of DimesMarion Downs Hearing CenterMax FundMelanoma Research FoundationMental Health AmericaMetro Denver Partner’s Tutoring ProgramMile High CalvaryMile High MontessoriMile High SquashMinds Matter DenverMultiple SclerosisMuseum of Contemporary Art Mylifeline.orgNamaste HospiceNational Council of Jewish WomenNational Jewish Hospital

National Kidney FoundationNational Public Radio National Western Stock ShowNew GenesisNorth Shore Animal League in Long Island, NYOpen Door MinistriesParkinson’s Association of the RockiesPedaling for Parkinson’sPilsung Youth InitiativePlanned Parenthood of the Rocky MountainsPorter HospitalProject AngelheartProject Pave Restoration Community Church Riviera Circle Lake ClubRMRSDRocky Mountain Community ChurchRonald McDonald House DenverRose Women’s OrganizationRwanda FoundationSafe House DenverSalvation ArmySave Our YouthSense of SecuritySerenity SkiMeistersSmart Girls, Inc.Smile TrainSpecial OlympicsSt. Thomas More Catholic ChurchSt. Anne’s Episcopal SchoolSt. Mary’s AcademyStanley British Primary SchoolSteck ElementarySteele ElementaryStep 13Sungate KidsSusan G. Komen-Breast CancerSusan G. Komen Race for the CureTeammates For Kids - Garth Brooks FoundationTennyson Center for ChildrenThe Butterfly FoundationThe Challenge Foundation The Cystic Fibrosis FoundationThe Delores ProjectThe Democratic National PartyThe Denver Film Society

The Gordian Fund The Jewish ExperienceThe Kempe FoundationThe MACC (Mizel Arts and Culture Center)The Pink Ribbon Foundation The Rose FoundationThe Roundup Riders Heritage and Trails FoundationThe Sanctuary CenterThe Women’s Foundation of ColoradoThe Zara ProjectTheodore Roosevelt Medora FoundationTherapy Dogs InternationalThird WayUNICEFUnited WayUniversity of Colorado Depression CenterUniversity of Colorado FoundationUniversity of Colorado Hospital FoundationUniversity of Colorado Parents Advisory CouncilUniversity of Notre Dame Alumnae Association University of Wisconsin Mile High Alumni AssociationUrban PeakUte Meadows Elementary School PTAVeterans of Foreign WarsVisionboxVolunteers of AmericaVolunteers of America - MAX Fashion ShowWarren VillageWestern FantasyWhiz kids TutoringWings over the RockiesWish for WheelsWish of a LifetimeWitnesses for JesusWomen for Women InternationalWomen’s Fund at the Denver Center for Performing ArtsWomen’s Global Empowerment FundWoodbourne Wave Swim TeamWounded WarriorsY2K Ski ClubYellowstone FoundationYoung Life Young Philanthropist Foundation

C O N T I N U E D F R O M P R E V I O U S P A G E

O N A N I N D I V I D U A L B A S I S , K E N T W O O D A G E N T S S U P P O R T H U N D R E D S

O F N O N - P R O F I T S , C H A R I T I E S , C I V I C A N D C O M M U N I T Y E N D E A V O R S .

BUYINGWITHKENTWOOD

from start to finishC O N F I D E N C E I N T H E B U Y I N G P R O C E S S

A N A G E N T ’ S R E S P O N S I B I L I T I E S

Your Kentwood Agent will provide the luxury of personalized service and take care of it all, from specialized market knowledge to

negotiating and closing your transaction.

E X P E R T G U I D A N C E R E S P O N S I V E N E S S

A C C O U N T I N G

L O Y A L T Y

• Frame a property search around what’s most important to you

• Recommend lenders for pre-approval to help determine a realistic price range, strengthen your offer and lead to a faster closing

• Search MLS daily to find new properties that match your criteria

• Preview properties, schedule appointments and accompany you to showings

• Analyze comparable property values and advise you on current market conditions

• Structure and prepare your offer, review disclosures and laws and deliver the contract

• Negotiate skillfully on your behalf and promote clear and frequent communication among all parties

• Review title commitment, recommend home inspectors, facilitate lender approval and insurance coverage, and recommend attorneys or tax professionals as needed

• Accompany you on your final walk-through

• Act in good faith at all times

• Adhere to your instructions

• Return all calls and emails promptly

• Closeley track dates and deadlines

• Receive and monitor all earnest money deposits

• Receive and deliver all documents in a timely manner

• Review final settlement statements

• Place your interests above all others

• Keep your personal information strictly confidential

• Ensure that all parties to the transaction are fully informed

about any material facts that may affect the transaction

G E N E R A L S T E P S I N T H E K E N T W O O D B U Y I N G P R O C E S S

Your Kentwood Agent will provide the luxury of personalized service and take care of it all, from specialized market knowledge to

negotiating and closing your transaction.

SELECTION of Kentwood

Agent

As your Agent

I WILL:

DISCUSS YOUR NEEDS

RECOMMENDLENDERS FOR

PRE-APPROVAL

SEARCHMLS FOR NEWPROPERTIES

ANALYZECOMPARABLE

PROPERTYVALUES

DECISION TO BUY STRUCTURE

AND PREPAREOFFER VALUES

REVIEWDISCLOSURES

AND LAWS

DELIVERCONTRACT TO

SELLER ORAGENT

NEGOTIATE ON YOURBEHALF

FACILITATECLOSING

ENSURE COMMUNICATION

AMONG ALL PARTIES

REVIEWSETTLEMENTSTATEMENT

REVIEWTITLE

COMMITMENT

ACCOMPANYYOU ON

FINAL WALK THROUGH

FACILITATEHOME

INSPECTION

DETERMINESEARCH

PARAMETERS

DETERMINEREALISTIC

PRICE

FACILITATEFASTER

CLOSING

PREVIEWPROPERTIES

PREVIEWPROPERTIES

SCHEDULE &ACCOMPANY

YOU TO SHOWINGS

MOVINGDAY

A N A G E N T ’ S R E S P O N S I B I L I T I E S

SELLERTYPICALLY

PAYS

OCCASIONALLYBUYER PAYS

LISTINGAGENT’S

BROKERAGEOFFICE

BUYERAGENT’S

BROKERAGEOFFICE

LISTING AGENT

BUYER’SAGENT

Buyer’s Agent

LENDER

INSPECTOR

TITLECOMPANY

ListingAgentBUYER SELLER

A N A G E N T ’ S R E S P O N S I B I L I T I E S

We will take the time to explain the different agency relationships you may have with your Kentwood agent.

T H E P E O P L E I N V O L V E D A N D H O W C O M M U N I C A T I O N T A K E S P L A C E

A B O U T T H E C O M M I S S I O N

DenverRealEstate.com

K E N T W O O D ’ S T E C H N O L O G Y H E L P S Y O U

F I N D T H E P E R F E C T P R O P E R T Y

A L L D E N V E R M E T R O L I S T I N G S can be viewed 24/7 on the continually updated DenverRealEstate.com. Kentwood has

deployed cutting-edge technology in order to give you the most robust search tools, and information about brokers, homebuyer

resources, and market data. Get to know Denver by browsing through our in-depth community profiles. With our “Property Alerts”

feature, you can save searches, share properties, and automatically keep your Kentwood realtor up to date with what you like. You can

also create an account by using your Facebook or Google login information. The cornerstone of DenverRealEstate.com is our Advanced

Interactive Mapping (AIM) feature. Consumer studies show that home buyers prefer visually oriented, interactive property searches.

We provide a unique map-based property search that allows you to search for just the right home and neighborhood.

• Real time, dynamic search functionality

• Display of all property listing data on the map

according to the search characteristics from your

selection

• The ability to draw custom search boundaries

using the interactive ‘polygon’ search tool

• Point-of-Interest Plotting, enabling the buyer to

search for area shops, services and amenities such

as restaurants and schools

• Satellite photos of entire search areas as

well as close-up “Street View” photographs

of any neighborhood

• Market Data And Statistics

• Relevant information that aligns with your Denver

lifestyle. Categories include Events, Restaurants,

Things to Do, Theatre And Arts, Music And

Concerts, and Sports

D E N V E R R E A L E S T A T E . C O M C A N P R O V I D E A L L O F T H E T O O L S Y O U N E E D

F O R P R O D U C T I V E P R O P E R T Y S E A R C H E S , I N C L U D I N G :

S E A R C H E N G I N E O P T I M I Z A T I O N ( S E O )

Search Engine Optimization (SEO) is a system of methods used to enhance a website’s ranking in the natural search results of search engines.

This includes optimizing many factors including the use of relevant keywords and making sites web compliant, to name a few.

S I T E U S A G E

W E B T R A F F I C S O U R C E S

TOTAL VIS ITS

PAGE VIEWS

ORGANIC SEARCH207,066

DIRECT TRAFFI C200,515

REFERRI NG S I TES139,142

S OCI AL TRAFFIC28,630

% NEW VI S I TS

AVG. PAG E VI EW S PER VI S I TOR

AVG. T I ME ON S I TE (MI NUTES)

575,803

3,517,664

53.17%

6.11 5:04

2014 SEO Overview of DenverRealEstate.com

35.96% 34.82% 24.16% 4.97%

S O U R C E S B Y L O C A T I O N

UNITED STATES . . . . . . . . . . 503,732

CANADA . . . . . . . . . . . . . . . . . . . . . 2,512

UNITED KINGDOM . . . . . . . . . 2,422

INDIA . . . . . . . . . . . . . . . . . . . . . . . . . 1,867

ITALY . . . . . . . . . . . . . . . . . . . . . . . . . 1,544

SWITZERLAND . . . . . . . . . . . . . . 1,508

AU STRA LIA . . . . . . . . . . . . . . . . . . 1,459

P H IL IP P INES . . . . . . . . . . . . . . . . 1,265

GE RMA NY . . . . . . . . . . . . . . . . . . . . 1,259

SPA IN . . . . . . . . . . . . . . . . . . . . . . . . . 1,245

ME X ICO . . . . . . . . . . . . . . . . . . . . . . 1,107

FRA NC E . . . . . . . . . . . . . . . . . . . . . .1,066

575,803came from 200 countries / territories

HIGHEST CONCENTRATION LO WER CO NC ENTR ATIO N LO WEST CO NC ENTR ATIO N

VISITS

M O B I L E D E V I C E SM O B I L E V I S I T S

Top mobile devices used to visit DenverRealEstate.com in 2015:

Total mobile visits to DenverRealEstate.com increased 30% from 2014 to 2015:

iPad Android2014 iPhone2015

102,577

20,000

50,000

40,000

100,000

60,000

150,000

80,000

200,000100,000

250,000 120,000

222,408 65,145170,597 36,919

T H E M O B I L E M O V E M E N T

Kentwood knows that more than 50% of real estate searches are done on mobile devices. This makes mobile accessibility crucial to the

real estate market.

As potential buyers search neighborhoods and

discover properties, they expect to be able to get

more information in real time on their mobile device.

Kentwood’s comprehensive, easy to use mobile

apps with custom search capability, puts relevent

properties in the buyer’s hands.

O U R O W N S M A R T P H O N E

A N D T A B L E T A P P S

REFERENCESFORBUYERS

helpful informationA D D I T I O N A L

Select a buyer’s agent to represent

your interests.

Learn all you can about the neighborhood you

would like to live in.

Finalize an official contract throughyour Kentwood

agent. Submit earnest money as required.

Begin your search for a new home before your existing home is under

contract.

Become pre-approved with a mortgage lender, as this will make you a more attractive buyer when making an offer.

Secure mortgage commitment.

Discuss your needs. Make sure your agent

fully understands what type of home will best

suit you.

Make an offer by submitting your

contract through your Kentwood agent to the

seller for review.

Make preliminary moving plans with regard to utilities,

insurance policies, etc.

1

6

7

2

5

8

3

4

9

FINAL INSPECTION & CLOSING

10

G E N E R A L S T E P S I N T H E K E N T W O O D B U Y I N G P R O C E S S

• Address and legal description of the property

• Price you are offering to pay for the property

• Terms such as “all cash” or “subject to you obtaining a mortgage

for a given amount”

• Anticipated closing date when title will be transferred

• Earnest money accompanying the offer and cash-at-closing

balance required, as well as the form it is in, i.e. check or

promissory note

• Contract provisions stating which party is responsible for

the title insurance, survey, property inspections and similar

expenses

• Type of deed to be conveyed

• Other requirements specific to your sale. These might include

special inspections, tax advice, or occasionally, attorney review,

disclosure of specific environmental hazards, or other state-

specific requirements

• A provision that the buyer may make a last-minute

walk-through inspection of the property just before closing

• A time limit after which the offer will expire

• Contingencies that state the sale will only go through if certain

conditions are met

• Common contract contingencies include the buyer obtaining

specific financing from a lending institution, a satisfactory report

by a home inspector, and an appraisal for at least the value of the

contracted price

A L L A B O U T Y O U R O F F E R

The written offer you submit to a seller becomes a binding sales contract if the owner accepts it. Your Kentwood agent will ensure that

your offer is complete and serves your best interests.

Y O U R O F F E R I N C L U D E S :

I N F O R M A T I O N E V E R Y B U Y E R S H O U L D K N O W

As the buyer, you may be responsible for the following expenses associated with the purchase of your home:

S E T T L E M E N T C O S T S A S S O C I A T E D W I T H Y O U R L E N D E R :

PRE-PAIDS:

PROPERTY I NSPECTION $200 to $600 (Can vary depending upon square footage

of property and number of inclusions)

LEAD PAINT INSPECTION $250 to $300

HOMEOWNER’S INSURANCE Varies

TITLE COMPANY REAL ESTATE CLOSING FEE $150

DOC FEE (STATE TAX STAMPS) $1 per $1,000 of sale price

PROPERTY TAXES Will be a credit to you for the portion of the year

that the seller owned the property

R ECORD ING FEE $150-$200

LOAN APPLI CATION $250 to $500

CLOSING POINTS OR LOAN ORIGINATION FEE 1% to 3% of loan amount

(OPTIONAL)

LOAN CLOSI NG FEE TO T ITLE COMPANY $330

PRI VATE MORTGAGE INSURANCE (PMI) Required if loan amount is more than 80% of

purchase price (discuss with lender)

U ND ERWRITI NG FEE $250 to $500

A PPRAI SAL FEE $300 to $500 depending on size of home

DOCUMENT PREPARATION $50 to $300

FLOOD CERTIF ICATION FEE $12 to $40

LEND ER’S T ITLE INSURANCE POLICY $300 and up

CRED IT REPORT $16 (varies)

HAZARD INSURANCE Premium for 1 year

TAX CERTI F ICATION $25

R ESERVE FUND FOR TAX ESCROW 2-8 months prepaid real estate taxes

(May be received as credit from seller)

PREPAID INTEREST Interest on loan from closing date to end of month

HAZARD INSURANCE ESCROW Typically 3 months

SOURCE: LAND TITLE GUARANTEE COMPANY*COSTS ARE APPROXIMATIONS AND MAY VARY

P R I N C I P A L

The amount of money borrowed. Each month a portion

of the principal is paid back. Over time, interest

becomes a smaller part of the monthly mortgage

payment, and more of the payment goes toward

reducing the principal owed.

I N T E R E S T

The cost of borrowing money, usually expressed

as an annual percentage of the loan amount, for

example, 4% or 6%. Principal and interest are

amortized over a period of years, typically for 15

or 30 years.

P R O P E R T Y T A X E S

Taxes paid to a local government, usually a

percentage of your property value, based on the

mil levy. Your lender generally collects the taxes

through your monthly payments and pays them

directly to the local government. The amount of tax

will vary depending upon where you live and the

type of property you own.

H A Z A R D I N S U R A N C E

An insurance policy that protects you from financial

losses on your property that result from fire or other

hazards.

P R I V A T E M O R T G A G E I N S U R A N C E ( P M I )

An insurance policy for down payments of less than

20% of the home price, which helps mortgage lenders

recover some losses if a borrower fails to fully repay.

Mortgage insurance makes it possible to buy a home

with a low down payment.

B R E A K D O W N O F Y O U R M O R T G A G E P A Y M E N T

Y O U R M O R T G A G E P A Y M E N T T Y P I C A L L Y I N C L U D E S :

M O R T G A G E A P P L I C A T I O N C H E C K L I S T

Copy of signed sales contract with all addenda and amendments attached

Your address for the past two years

The name and address of your employer for the past two years

Social Security numbers for all applicants

W2 forms for the past two years

Copies of pay stubs for the most recent 30-day period

Copies of statements for most recent two months (or most recent quarterly statement) for bank accounts, mutual funds,

brokerage accounts, retirement, etc. to identify the source of your down payment and asset reserves. All pages of the

statements will be required, even if blank

Most recent two years federal tax returns, including all schedules. If applicable, most recent two years corporate or

partnership federal tax returns, including K1s, for all companies in which the applicant has ownership interest

Copy of canceled earnest money check, both sides, when available

Name, address, and phone number of current landlord, if applicable

Estimates of value of real estate owned

You also may be asked for information on VA loans, Certificate of Eligibility or DD-214, pending lawsuits, former

bankruptcies or foreclosures, rental leases, and divorce decrees outlining child support or alimony

Name and number of the insurance agent you will be using for your homeowners insurance

AFTER YOUR LOAN OFFICER REVIEWS YOUR APPLICATION, ADDITIONAL INFORMATION MAY BE REQUIRED.

A seller’s agent works solely on behalf of the seller to promote the interests of the seller with

the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts as

an advocate for the seller. The seller’s agent must disclose to potential buyers all adverse

material facts actually known by the seller’s agent about the property. A separate written

listing agreement is required which sets forth the duties and obligations of the broker and

the seller.

A buyer’s agent works solely on behalf of the buyer to promote the interests of the buyer

with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts

as an advocate for the buyer. The buyer’s agent must disclose to potential sellers all adverse

material facts actually known by the buyer’s agent, including the buyer’s financial ability

to perform the terms of the transaction and, if a residential property, whether the buyer

intends to occupy the property. A separate written buyer agency agreement is required

which sets forth the duties and obligations of the broker and the buyer.

A transaction-broker assists the buyer or seller or both throughout a real estate transaction

by performing terms of any written or oral agreement, fully informing the parties,

presenting all offers and assisting the parties with any contracts, including the closing of

the transaction without being an agent or advocate for any of the parties. A transaction-

broker must use reasonable skill and care in the performance of any oral or written

agreement, and must make the same disclosures as agents about all adverse material

facts actually known by the transaction-broker concerning a property or a buyer’s financial

ability to perform the terms of a transaction and, if a residential property, whether the buyer

intends to occupy the property. No written agreement is required.

A customer is a party to a real estate transaction with whom the broker has no brokerage

relationship because such party has not engaged or employed the broker, either as the

party’s agent or as the party’s transaction-broker.

A Q U I C K G U I D E T O A G E N C Y T E R M S

S E L L E R ’ S A G E N T

B U Y E R ’ S A G E N T

T R A N S A C T I O N B R O K E R

C U S T O M E R

A P P R A I S E R

C O N T I N G E N C Y

H O M E O W N E R ’ S P O L I C Y

P O I N T

A S S E S S O R

C O N V E N T I O N A L L O A N

I N T E R E S T R A T E C A P

R E A L T O R

C L O S I N G

F I X E D - R A T E L O A N

O P E N M O R T G A G E

T I T L E

A G L O S S A R Y O F C O M M O N R E A L E S T A T E T E R M S

The person who decides the market value of a home based on its condition and the selling prices of comparable homes recently sold in the area. His or her job is to compute a fair estimate of market value to help the lender determine a reasonable loan amount.

A condition that must be met before a contract is binding. For example, the sale of a home might be contingent upon the seller paying for certain repairs, resulting from buyer’s inspection.

A multiple-peril insurance policy commonly called a package policy. Available to owners of private homes, it covers the dwelling and contents in case of theft, fire, or wind damage, as well as liability for property damage and personal liability.

A point is a dollar amount paid to a lender for making a loan, each point being equal to one percent of the loan amount, also called a discount point.

A public official who appraises property for tax purposes, determining the assessed value, not the tax rate.

A loan made with real estate as security and not involving government participation in the form of insuring (FHA) or guaranteeing (VA) the loan.

The maximum interest rate charge allowed on an adjustable-rate loan for any one adjustment period during the life of the loan.

A member of the National Association of Realtors who subscribes to a strict code of ethics.

The conclusion of a real estate transaction, which includes delivery of a deed, financial adjustments, signing of notes and disbursement of funds necessary to the sale or loan.

A loan with the same rate of interest for the life of the loan.

A mortgage that may be repaid in full at any time over the life of the loan without a prepayment penalty.

Documentary evidence of the right to or ownership of property, which in real estate is the deed. Title may be acquired through purchase, inheritance, gift or exchange, as well as through foreclosure of a mortgage.

COMCAST . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 800-934-6489 Xfinity.com

DIRECT TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 888-777-2454 DirecTV.com

DISH NETWORK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 855-318-0572 Dish.com

UNITED STATES POSTAL SERVICE . . . . . . . . . . . . . . . . . . . . . . . . . . 800-ASK-USPS 800-275-8777 usps.com

DENVER PUBLIC SCHOOLS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 720-423-3054 dpsk12.org

ALL SCHOOL DISTRICTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GreatSchools.org

CENTURYLINK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 877-837-5738(Telephone & Internet) CenturyLink.com

XCEL ENERGY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 800-895-4999(Gas & Electric) XcelEnergy.com

TRASH COLLECTION & STREET . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 720-913-8479MAINTENANCE & RECYCLING Kentwood.com/trashrecycling

WATER / SEWER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 303-893-2444 DenverWater.org

When opening any account, it is advisable to

have at least two pieces of identification: at least one

with your photo and one with proof of your new

address.

CABLE TV / SATELLITE

UTILITIES

POST OFFICES

PUBLIC SCHOOLS

DIVISION OF MOTOR VECHICLES

MARRIAGE LICENSING

TAXES

HOMEOWNER’S EXEMPTIONS/

PROPERTY TAX INFO

D E N V E R N E W R E S I D E N T I N F O R M A T I O N

VEHICLE LICENSE INFORMATION . . . . . . . . . . . . . . . . . . . . . . . . . . Colorado.gov/revenue/dmv

DENVER CLERK & RECORDER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 720-865-8400 DenverGov.org/ClerkAndRecorder

DENVER COUNTY ASSESSOR’S OFFICE . . . . . . . . . . . . . . . . . . . . DenverGov.org/assessor

INCOME-FEDERAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 800-829-1040

INCOME-STATE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 303-238-7378

REGIONAL TRANSPORTATION DISTRICT . . . . . . . . . . . . . . 303-299-6000(Bus and Lightrail) RTD-Denver.com

AMTRAK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 800-USA-RAIL (800-872-7245) Amtrak.com

AIRPORT INFORMATION - DIA . . . . . . . . . . . . . . . . . . . . . . . . . . 800-247-2336 303-342-2000 FlyDenver.com

VOTER REGISTRATION INFORMATION . . . . . . . . . . . . . . . . 720-913-8683 Kentwood.com/voterregistration

CITY OF DENVER SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Dial 311

TRANSPORTATION

VOTERREGISTRATION

GENERAL CITY OF DENVER SERVICES

D E N V E R N E W R E S I D E N T I N F O R M A T I O N

FOR MORE INFORMATION, PLEAS E VI S I T W W W.DENVERREALES TATE.COM/RELOCATI ON

NEIGHBORHOODREFERENCE GUIDE

E X P L O R E D E N V E R ’ S C O M M U N I T I E S

Colorado has many wonderful and beautiful cities that offer a wide

variety of arts, culture, recreation and entertainment. Following is a list

of communities that offer these unique traits.

ALAMO PLACITA 6th Ave Speer Blvd Downing St Pennsylvania Ave

BAKER 6th Ave Mississippi Ave Broadway S Platte River Dr

BALL PARK 30th St 15th St/18th St Lawrence/Welton S Platte River

BELCARO Cherry Creek Dr S Mississippi Ave Colorado Blvd University Blvd

BELMAR Alameda Ave Virginia Ave Ouray St Wadsworth Blvd

BERKELEY 52nd Ave 46th Ave Federal Blvd Sheridan Blvd

BONNIE BRAE Exposition Ave Mississippi Ave S Steele St University Blvd

BYERS Speer Blvd Alameda Ave Downing St Broadway

CAPITOL HILL Colfax Ave 7th Ave Downing St Broadway

CASTLE PINES NORTH Grigs Road Country Club I-25 Daniels Park Road

CASTLE PINES VILLAGE Country Club Pkwy Santa Fe Drive I-25 Daniels Park Road

CHAFFEE PARK 50th Ave 38th Ave Inca St Tejon St

CHEESMAN PARK Colfax Ave 6th Ave York St Downing St

CHERRY CREEK NORTH 6th Ave 1st Ave Colorado Blvd University Blvd

CHERRY CREEK SOUTH 1st Ave Cherry Creek Dr S Colorado Blvd University Blvd

CHERRY HILLS Hampden Ave Belleview Ave Monaco Pkwy Clarkson St

CITY PARK 23rd Ave Colfax Ave Colorado Blvd York St

CITY PARK WEST 23rd Ave Colfax Ave York St Downing St

CONGRESS PARK Colfax Ave 6th Ave Colorado Blvd York St

CORY-MERRILL Missississi Ave I-25 Colorado Blvd University Blvd

COUNTRY CLUB 8th Ave Alameda Ave University Blvd Downing St

CRESTMOOR 6th Ave Alameda/1st Ave Monaco Pkwy Holly St

CURTIS PARK Brighton Blvd/Blake St Welton St Downing St 20th St

DOWNTOWN Larimer/Park Ave Colfax Ave Broadway Lawrence St/Speer Blvd

FIVE POINTS 38th Ave 20th Ave/Colfax Downing St S Platte River D

GLENMOOR Glenmoor Dr Belleview Ave Glenmoor Dr Glenmoor Cir

GOLDEN TRIANGLE Colfax Ave Speer Blvd Lincoln St Speer Blvd

GREEN OAKS Green Oaks Dr Orchard Rd University Blvd Clarkson St

GREENWOOD VILLAGE - EAST Belleview Ave Orchard Rd Dayton St I-25

GREENWOOD VILLAGE - WEST Belleview Ave Orchard Rd I-25 Clarkson St

HALE MAYFAIR Colfax Ave 6th Ave Holly St Ash St

HERITAGE HILLS C-470 Lincoln Ave I-25 S Yosemite St

HIGHLANDS - POTTER 38th Ave Speer Blvd S Platte River Dr Federal Blvd

HIGHLANDS - WEST 38th Ave 29th Ave Federal Blvd Sheridan Blvd

HILLTOP 8th Ave Alameda Ave Quebec/Monaco Colorado Blvd

NEI GHBORHOOD NORTH S OUTH EAS T W ES T

JEFFERSON PARK Speer Blvd Colfax Ave S Platte River Dr Federal Blvd

LODO/RIVERFRONT Park Ave/Platte St Lawrence St S Platte River Dr/20th St Speer Blvd

LOHI 38th Ave 23rd Ave I-25 Federal Blvd

LOWRY 11th Ave Alameda Ave Dayton/Havana Quebec/Oneida/Monaco

MAYFAIR Colfax Ave 6th Ave Holly St Colorado Blvd

MEADOWS Santa Fe Dr Wolfensberger Rd I-25 N Perry Park Rd

MONTCLAIR Colfax Ave 6th Ave Quebec St Holly St

NORTH PARK HILL MLK Blvd 23rd Ave Quebec St Colorado Blvd

OBSERVATORY PARK Evans Ave Yale Ave Colorado Blvd University Blvd

PINERY Pinery Pkwy Democrat Rd Pinery Pkwy Parker Rd

PINEY CREEK Smoky Hill Rd Orchard Rd Buckley Rd Parker Rd

PLATT PARK I-25/Mississippi Ave Evans Ave Downing St Broadway

PLUM CREEK Plum Creek Pkwy Tomah Rd Lake Gulch Rd I-25

POLO GROUNDS Cherry Creek Dr S Exposition Ave Colorado Blvd University Blvd

PRADERA Raintree Cir Carefree Trail Cherry Creek Crowfoot Valley Rd

PRESERVE Belleview Ave Orchard Rd Colorado Blvd Holly St

REGIS 52nd Ave I-70 Federal Blvd Harlan St

RINO I-70 Park Ave Arapahoe St I-25

SADDLE ROCK Smoky Hill Rd Arapahoe Rd E-470 Liverpool St

SLOAN’S LAKE 29th Ave 17th / 19th Ave Federal Blvd Sheridan Blvd

SOUTH PARK HILL 23rd Ave Colfax Ave Quebec St Colorado Blvd

SOUTHMOOR PARK Hampden Ave Belleview Ave Yosemite St Happy Canyon Rd

STAPLETON I-70 Montview Blvd Havana St Quebec St

STONEGATE E-470 Stonegate Pkwy Jordan Rd Chambers Rd

SUNNYSIDE I-70 38th Ave Inca St Federal Blvd

TALLGRASS Hampden Ave Quincy Ave Picadilly Rd Liverpool St

TALLYN’S REACH Smoky Hill Rd County Line Rd Powhaton Rd E-470

UNIVERSITY HILLS I-25 Hampden Ave I-25 Colorado Blvd

UPTOWN 23rd/ 26th/ Welton Colfax Ave Downing St/York St Broadway

VIRGINIA VILLAGE Mississippi Ave Evans Ave Cherry Creek Dr S S Colorado Blvd/Quebec

WASH PARK - EAST Alameda Ave I-25 University Blvd Downing St

WASH PARK - WEST Alameda Ave I-25 / Mississippi Ave Broadway Downing St

WASHINGTON - VIRGINIA VALE Alameda Ave Cherry Creek N Quebec St Colorado Blvd

WELLSHIRE / SOUTHERN HILLS Yale Ave Hampden Ave University Blvd Colorado Blvd

WHITTIER MLK Blvd 23rd Ave York St Downing St

WILLOW CREEK Dry Creek Rd County Line Rd Yosemite St Quebec St

NEI GHBORHOOD NORTH S OUTH EAS T W ES T

MORRISON

GOLDENWHEATRIDGE

ENGLEWOOD

LAKEWOOD

DENVER

LITTLETON

THE PINERY

CASTLE ROCK

SEDALIA

HIGHLANDS RANCH

THORNTON

WESTMINSTER

Northern Suburban

Areas

West

West

Suburban

The Villages

Douglas County

E-470470

225

PARKERCONIFER

CENTENNIAL

AURORA

25

270 76

70

25

70

70

25

E-470

D E N V E R M E T R O M A J O R A R E A S

All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Kentwood Real Estate shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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WE AREDENVERREAL ESTATE TM