The Commons

For Demo Purposes OnlyElegant Living Redefined: Premier New Construction Project - Launching Summer 2024Brokerage Compensation: 2.5%Introduction: Discover the epitome of modern living in Salt Lake City with our latest luxury residential project, set to open in January 2024. Merging the tranquility of nature with high-end amenities, this community isn't just about upscale homes—it’s a lifestyle transformation.Key Features Detailed:Modern Architectural Marvel:Spacious Layouts: Choose from a selection of 2-, 3-, and 4-bedroom homes designed to maximize space and comfort.High-End Finishes: Each home features top-tier finishes, bringing elegance and functionality to every corner.Advanced Appliances: Equipped with the latest in kitchen and home appliances to ensure a seamless living experience.Natural Light Enhancement: Expansive windows that provide stunning views and flood your home with natural light.Exclusive Golf Course:18-Hole Championship Course: Designed by renowned golf architects, offering challenging play for all skill levels amidst spectacular scenery.Golf Facilities: Includes a pro shop, driving range, and a clubhouse with dining options.Tranquil Lakes and Parks:Scenic Parks: Landscaped grounds perfect for leisure and events, enhancing community ties and personal relaxation.Pristine Lakes: Ideal for peaceful mornings or leisurely evenings, these water bodies add to the community's serene ambiance.Vibrant Community Life:Active Homeowners' Association: Regularly scheduled social events, educational workshops, and festive gatherings to foster community spirit.Neighborly Engagement: Designed spaces and events encouraging interaction and a sense of belonging among residents.Premium Amenities:Resort-Style Swimming Pools: Including lap pools and lounging areas.Fitness Centers: State-of-the-art equipment, fitness classes, and personal training sessions.Spa and Wellness Center: A sanctuary offering a range of treatments and services for ultimate relaxation and health.Eco-Friendly and Sustainable:Energy-Efficient Systems: Smart home technologies and energy-saving features reduce your carbon footprint and utility bills.Green Spaces: Dedicated areas that promote biodiversity and provide residents with space to connect with nature.Sustainability Practices: Initiatives and systems designed to maintain ecological balance and reduce environmental impact.Strategic Location:Proximity to Essentials: Close to leading educational institutions, shopping centers, and entertainment venues.Transportation Access: Easy access to major highways and public transportation routes for convenient travel and commuting.Investment Opportunity: Invest in a lifestyle that exemplifies luxury, comfort, and a vibrant community life. It is ideal for golf enthusiasts, nature lovers, or those seeking an active and connected community. With limited units available, seize the opportunity to be part of this exclusive enclave.Contact Us: For more information and to register your interest, please contact us at [contact information]. Be among the first to experience unparalleled living in our premier new construction project in Salt Lake City.

G.J. Gardner Customer Home and Land Packages (Castle Rock)

G.J. Gardner Customer Home and Land Packages (Westcliffe)

Elegant Living Redefined: Premier New Construction Project - Launching January 2025Welcome to a world where luxury and nature harmoniously blend to create an extraordinary living experience. Our upcoming new construction project, set to open its doors in January 2025, is not just a residence but a lifestyle statement.Key Features:Modern Architectural Marvel: Cutting-edge design with spacious layouts, offering a range of 2, 3, and 4-bedroom homes. Each home boasts high-end finishes, state-of-the-art appliances, and expansive windows for natural light.Sangre De Cristo Mountains: Set against breathtaking landscapes.Tranquil Lakes and Parks: Serenity awaits in our scenic parks and around the pristine lakes, perfect for morning jogs, evening strolls, or weekend picnics with family and friends.A vibrant and natural Life: A strong sense of nature is at the heart of our project. Our Homeowners' Association (HOA) organizes regular events, workshops, and get-togethers, fostering a close-knit neighborhood spirit.Eco-Friendly and Sustainable: Committed to sustainability, our project features energy-efficient systems, green spaces, and eco-friendly practices.Strategic Location: Situated in a prime location, the community is close to Westcliffe, and has easy access to major transportation routes.Invest in More than a Home:Invest in a lifestyle that offers luxury, comfort, and a natural environment. Whether you're a golf enthusiast, nature lover, or seeking a vibrant community life, our project is designed to cater to all your needs. With limited units available, seize the opportunity to join this exclusive community.Contact Us:For more information and to register your interest, please get in touch with us at [contact information]. Be among the first to experience unparalleled living in our premier new construction project.Unique and Beautiful! Perfect views, from the mighty Sangre De Cristo mountains to Pike's Peak and the awesome vistas of the Wet Mountain Valley. G.J. Gardner Homes can build your custom dream home or pick from one of our hundreds of floor plans and designs! All of our plans are 100% customizable to fit your needs and lifestyle! Sierra Mojada limits building to 5-acre envelopes, preserving access for all residents to nearly 400 acres of common area, including Hennequin Creek! This lot is unique due to its split: The 5-acre build site lies in an ideal living location, while the remaining 30 acres gives an open, 360 view of the entire valley! The home site has large, lush bushes on three sides providing both privacy and unimaginable west-facing views of the Sangre's sunsets, while the other 30 acres offer the most breathtaking panoramic views of the entire valley! Electricity and telephone are very close to the home site. The HOA is reportedly dormant with no fees. The AG status yields very low tax rates (about $27!). The nearby Rainbow Trail connects you to hiking, hunting, and fishing in the high mountain lakes. The historic town of Westcliffe lies 15 minutes away and is less than 60 miles from Salida, Canon City and Pueblo -- each offers high-quality health care, dining, shopping and other city amenities. The Monarch ski area is just 90 minutes away with virtually no traffic!

6573 Emerald Dunes Dr Apt 205

6573 Emerald Dunes Dr Apt 205

** SELLER HAS APPROVED A $6k SELLER CONCESSION FOR A RATE BUYDOWN! *** See financing options to see how affordable your payment will be! Welcome to Emerald Dunes Villas, a resort style community! This 2 bedroom 2 bathroom, 1 car garage CORNER unit features several upgrades that the new owner will enjoy. Enjoy cooking in your kitchen with BRAND NEW Stainless Steal Appliances. The bedrooms feature upgraded vinyl plank flooring with custom built in closets for organization. The bathrooms feature luxury upgraded Toto toilet's. Enjoy a more modern look with upgraded light fixtures and fans throughout the unit. Lastly, you will love the view and how peaceful sitting on your balcony is with a nice cup of coffee or your favorite drink. The building has a BRAND NEW ROOF! Amenities include 2 resort style pools, fitness center, business center, tennis courts, billiard room and much more. Seller offering 3% buyer's agent commission. Call to schedule your showing today!

24676 E Florida Ave

Stunning Home in Murphy Creek Golf Course Community!Welcome to this beautiful 2,700 sq. ft. ranch-style home in the highly sought-after Murphy Creek neighborhood! Backing to the tee boxes, this home offers a peaceful setting with no direct backyard neighbors-plus, no stray golf balls to worry about! The main level features a spacious and inviting layout, including a separate dining room, a well-appointed kitchen with a large island, and a cozy family room with a gas fireplace. The primary suite boasts a full master bath with both a walk-in shower and a walk-in bathtub. A second bedroom and another full bathroom complete the main floor. Downstairs, the fully finished basement provides even more living space with a wet bar, a large great room, a laundry room, and two additional bedrooms-one of which is currently used as an office. Enjoy low-maintenance outdoor living with a xeriscaped backyard, a large shed, and a pergola-covered patio perfect for relaxing or entertaining. The home also includes a 2-car attached garage. Don't miss your chance to own this incredible golf course home-schedule your showing today!

Open House with Rate Buy Down Marketing

Description For Demo Purposes Only Dream Beachfront Living Awaits in Newport Beach This Property is Rate Drop Approved Property Overview: Location: Balboa Peninsula, Newport Beach Style: Cape Cod-inspired custom home with classic shingled exterior Size: Approximately 2,225 square feet Bedrooms: 3 Bathrooms: 3 (remodeled) Exquisite Outdoor Living: Direct beach access from a spacious brick patio Ideal for outdoor entertainment: evening cocktails, morning coffee, and gatherings Stunning beach and ocean views Elegant Interiors: Open-concept main floor with seamless indoor-outdoor living Dual French doors in the living area enhance beach views Cozy corner fireplace in the living room Large dining area perfect for hosting Remodeled kitchen featuring Stone countertops with full backsplash White cabinetry with crown molding Convenient pantry and garden window White appliances for a clean, modern look Comfortable and Luxurious Bedrooms: One bedroom is conveniently located on the main floor Primary suite on the second floor with Panoramic views of the ocean, Catalina Island, and sunsets Private beachfront balcony Fireplace-warmed sitting area with bay window Luxurious bath with floor-to-ceiling tile, freestanding tub, dual sinks, and separate shower Large bonus room/third bedroom upstairs with Walk-in closet Bunk room for additional guest accommodation Access to a private patio Additional Features: Attached is a two-car garage for off-street parking Highly sought-after location near Balboa Fun Zone, Balboa Pier, top-rated schools, and Balboa Island ferry terminal Proximity to Fashion Island’s high-end shops and restaurants Easy access to Corona del Mar, Laguna Beach, Crystal Cove, and Newport Coast Experience the pinnacle of beachfront living in this beautifully appointed Cape Cod-inspired home on Newport Beach's prestigious Balboa Peninsula. With direct beach access, stunning views, and luxurious amenities, this property offers an unparalleled coastal lifestyle.

How Is Your Credit Is Actually Calculated And How To Improve Your Credit Score

Hello! Credit can be a mystery so I wanted to share some insights on how is your Credit is Calculated, and tips on How to Improve your Credit Score. Please look at how different factors can affect your credit score and pro tips on improving it. ➡️ Items that affect your credit score include: Your payment history (35%) - Pay all your bills on time and for the total monthly amount. You can get your student loans into good standing and lower your monthly payments based on your finances. Monthly payments can be as low as $0, and these $0 payments will still count as a whole, one-time payment. ➡️ The amount of money you owe (30%) - Keep your credit card balance under 30% of your total limit, as this can lower your credit score. ➡️ The length of your credit history (15%) - Lenders look at how long you’ve had a credit history by taking the average age of all your accounts - the longer your record, the better your credit score. ➡️ Types of credit you’ve used (10%) - A diverse mix of credit types, including student loans, credit cards, mortgages, etc., will help improve your credit score. ➡️ Your pursuit of new credit (10%) - Limit the hard inquiries you make. Applying for multiple stores or credit cards will negatively impact your credit score as they pull a tricky question for every application. Reach out today for your credit analysis to get you on track to purchasing or click the link above to order your soft pull report.

The Pros and Cons of Mortgage Refinance to Pay Down Student Loans

Hello, It's Mortgage Wizard again. You might be considering refinancing your mortgage to pay off your student loans. While it can sound like a smart move, it's essential to understand the pros and cons of this decision. If you choose to refinance and cash out to pay down your student loans, remember that the money must go directly to the loan servicer when closing. Also, the loans must be under your name. Consider the repayment period. Most student loans are set up to be paid off over 10 or 20 years. But if you include this debt in your mortgage, you could be looking at a 30-year repayment period. That's a significant extension. Also, remember that federal student loans come with some valuable protections. You could qualify for $0 payments or payment forbearances if you run into financial difficulties. There's even the possibility of loan forgiveness or discharge if you become disabled. If you refinance your mortgage to pay off these loans, you'll lose all these benefits. Before making a decision, weigh the pros and cons carefully. For more details, check out the video above. It's essential to make the best choice for your situation.

Huge Mistake People Make IN PSLF Program

Hello, As we navigate the world of loans and mortgages, I want to share some common mistakes people make regarding student loan payoff approaches. This is especially important if you're considering purchasing a home soon. First, it's crucial to understand your loan payoff strategy. Consider whether you want to pay faster or pay off your loans and prefer smaller monthly payments. Once you've made that decision, avoid these common pitfalls: ⚡️Mistake #1: Overpaying When Aiming for Public Service Loan Forgiveness (PSLF) Let's say you work for an employer that qualifies for the PSLF program. You want your loans forgiven but keep paying more than your monthly minimum payment. If you're on track for loan forgiveness, paying more doesn't get you there faster. Instead, you're essentially wasting money that could be forgiven. Rather than overpaying, use your money to build up your savings, invest in retirement, or save for a down payment on a house. Plus, overpaying can put you in a "pay ahead" status, which might invalidate additional charges you make. So, keep an eye on your "qualifying payments" and stick to the minimum. ⚡️Mistake #2: Neglecting Paperwork Another common mistake is when people plan for PSLF but only fill out the income-driven repayment form, forgetting about the PSLF Employment Verification form. They hope that after ten years, they can file the state, and all their payments will be counted for forgiveness. But the US Department of Education needs proof that your 120 payments were made while working for a qualifying employer. If you keep careful records and track your employers, FedLoans will automatically count your costs for forgiveness. So, remember to fill out all the necessary paperwork. ⚡️ Mistake #3: Refinancing Too Soon This mistake often involves people who work for qualifying nonprofits. They refinance their student loans even though they don't plan to leave their government or nonprofit job. Imagine having a $100K student loan from your master's degree in public health and landing an appointment with the local government. Your payment is over $1000 a month. You refinance and reduce the cost by $50 a month. But what if you had chosen an income-driven plan instead? You could have reduced your monthly income to $600 and gotten almost $30K of loan forgiveness with no remaining balance after 120 charges. That extra $400 a month could have gone towards your savings for a house or other financial goals. Remember to consider the potential of the federal program to help you out. These mistakes can be easily avoided with careful planning and proper guidance. As your mortgage lender, I help you navigate these decisions. If you have any questions, feel free to let me know.

Which Should I Do: Income-Driven Plans or Refinance?

Hi, You might be considering buying a home soon and wondering how to handle your student loans. Should you consider an income-driven repayment plan or think about refinancing? Let's break it down in an easy-to-understand way: ⚡️Refinancing: This option can give you a lower interest rate, which sounds great. But be careful. By refinancing, you give up certain protections provided by the federal government. For instance, your family won't be responsible for your loans if something happens to you. But with a refinanced loan, this isn't guaranteed. Also, if the government introduces new loan forgiveness programs in the future, you might miss out if you've refinanced. ⚡️Income-Driven Repayment Plans (IDR) can help lower your monthly payment. They are based on your income and can be temporary or permanent. The downside is you have to file paperwork every year. Also, interest might pile up if your payments are meager, which can increase the total amount you owe over time. Now, let's look at some pros and cons of each: ⚡️Lower Your Monthly Payment: IDR can reduce your payment based on income. Refinancing can also lower your price, but there's no going back once you refinance. ⚡️Pay Your Debt Gradually: IDR lets you spread your payments over a more extended period. If you manage your paperwork correctly, you might qualify for loan forgiveness. If not, you could end up paying more in interest. ⚡️Pay Off Your Loans as soon as possible: Refinancing might be a good choice if you're making a lot of money and want to clear your student loans in less than five years. You could get a lower interest rate and even make extra payments. But remember, your credit score is essential to qualify for refinancing. There are some drawbacks too: ⚡️Refinancing: You lose access to federal protections and might leave your co-signer or family with your debt if something happens to you. Income-Driven Plan: You have to file paperwork every year. If you file late, your interest can increase. You might also owe taxes on any loans that are forgiven. To help you decide which is the best option for you, check out LoanSense tools. They can help you calculate your savings and understand the impact of each choice. Remember, it's always important to consider both the benefits and drawbacks of each option. If you need more clarification, it might be best to hold off on refinancing since you can't reverse that decision.