Archive for the ‘Uncategorized’ Category

Good Credit vs Bad Credit

I occasionally get people in my office who want to buy a home, but they have no credit history whatsoever. This leads me to a good question: is it better to have bad credit or no credit?
From the perspective of a lender, it is riskier to lend to someone with no credit history at all than someone with bad credit. They have no way of telling if you are good at making payments or not. When you have bad credit, we can fix it. But if you have no credit at all, there is no way of telling what kind of borrower you might be.
A lot of the time, no credit ends up getting you no mortgage. This is why it’s not a terrible idea to start building credit now. You can buy a credit card and put a very small balance on it, and pay it off month to month to build a little bit of consistent credit history.

It’s surprising to most people, but it is better to have bad credit than no credit at all. If you want to buy a home in the future, I highly suggest that you begin to build credit now.

If you need help buying or selling in Denver, please don’t hesitate to contact me!
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Parking for Castle Rock Starlighting

Parking for the annual Castle Rock Starlighting has become a little more of an obstacle over the years as the Town of Castle Rock continues to grow and their Starlighting event becomes more popular. We moved to Castle Rock 13 years ago and I still remember our first Starlighting (parking was not as much as a challenge back then).

While the town has clearly grown, the festivities remain the same or only get better! Sure – there are a lot of people, but this beautiful town we call home still shows off it’s small town charm especially at this event and the events they host throughout the year!

It is our family’s favorite event even though parking is a little crazier! So where should you park?

Well – if you get there early, the best parking has always been by the Douglas County School District building and the surrounding side streets. The event goes from 2pm – 7pm, but the actual star lighting ceremony doesn’t start until around 5p. The star will be lit around 5:30pm followed by fireworks and then the festivities continue until 7p.

The Town is offering shuttle rides, which may be convenient if you don’t mind letting someone else drive! See below for those details:

Free Shuttle Rides: 1:30 PM to 8:30 PM

Back North Lot (5254 N Meadows Dr.)

South Bldg. (2842 Front Street)

Lot 5 (500 Fairgrounds Drive)

There is the also the parking garage at 3rd & Jerry — the only bad thing about this lot is that it’s hard to get out of when everyone is trying to leave at the same time.

Our personal favorite is to park by the Keller Williams Realty office at 140 S Wilcox Street (probably more commonly known as the Douglas County Library parking lot)! Don’t get me wrong, this lot will fill up, but it’s usually the last one to fill. If that one is full you can also look for spots by the Safeway parking lot.

Our last bit of advice would be not to rush out of there after the starlighting … unless you want to sit in traffic! Last year we parked by our Keller Williams office and then after the starlighting headed over to El Korito Mexican Restaurant next to our office to wait out the crowd! The food was great and we got to enjoy some more time with family and friends before rushing back home!

Enjoy the Starlighting and the time with your family and friends this holiday season!



Adamo Homes Castlewood Ranch Party

Adamo Homes is a new homebuilder in Castle Rock and they are releasing their “small batch” homes in Castlewood Ranch this Saturday from 10am – 3pm!

My family and I will be there around 11! Join us and tell Adamo that Castle Rock Scott sent you!

Come see what Adamo’s building, meet their founders and craftsmen, and learn all about their small-batch approach to homebuilding.

They’ll also be serving hand-scooped floats, made with craft root beer from Rockyard Brewing Co. and dee-lish Little Man Ice Cream.

There are only eight new homes in this small batch release, so stop by early to see ’em first.

The available lots are just around the corner from Flagstone Elementary School near 67 Ardmore Street, Castle Rock, CO 80104.

Click here for more details and visit Adamo Homes website! 

Adamo Homes