Find Your Dream Home

Your Best Guide to Buying Your New Home!

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Bella Casa Logo
HomeSmart Cherry Creek Logo realtor logo
 

Meet The Team

Agents

Lindsey Canino- Realtor
720-323-0614
Lindsey.BellaCasa@gmail.com
Frank Canino- Showing Assistant
720-244-9208
Frank.BellaCasa@gmail.com
Dino Sarganis- Managing Broker
303-713-9000
dino@ccpre.com

Administrative

Trenna Smart- Transaction Coordinator
303-912-7980
trenna@cornerstonetms.com
Kathy Mackay - Professional Coach
303-525-6539
coppercak@aol.com
 

Preferred Vendor List

Lenders:

Jessica Skidmore
AnnieMac Lending
Loan Officer
M: 720-442-4298
O: 720-773-8788
F: 800-216-3076
Email: jskidmore@annie-mac.com
Shelia Kennelly
Loan Star Home Lending
Sr. Loan Officer
M: 720-297-7192
F: 480-666-5383
Email: skennelley@goloanstar.com
Irma Orozco
UMAC Mortgage
O: 720-409-7622
F: 855-818-3016
Email: IrmaOrozco@umac.com
Dennis Marshall
Commerce Home Mortgage
O: 303-531-7777
F: 303-226-1228
Email: dmarshall@commercemtg.com

Title Companies

Angela Lombardi
Equity Title Associates
Sr. Escrow Officer
O: 303-563-4643
F: 303-563-4650
alombardi@equitycol.com
North America Title
Pam Weeter
Escrow Officer
O: 303-220-1112
D: 303-352-2195
F: 866-826-2213
Email: pweeter@nat.com
Land Title
Tobe Etting
O: 303-331-6252
F: 303-393-4853
Email: tettig@ltgc.com
 

My Professional Promise

My professional promise is to provide each and every client with the upmost professionalism, knowledge and compassion. Each of my clients will feel important, informed and taken care of throughout the transaction based on solid communication and undivided attention given to each client and situation. Protecting your best interest is ALWAYS my number one priority! Your happiness is my ultimate goal!

 

Code Ethics

Protect and promote my client’s interests, but be honest with all parties. Avoid exaggeration, misrepresentation, and concealment of pertinent facts, do not reveal facts that are confidential under the scope of my agency relationship. Cooperate with other real estate professionals to advance the client’s best interests. When buying or selling, make position in the transaction or interest known. Disclose present or contemplated interest in any property to all parties. Avoid side deals without client’s informed consent. Accept compensation from only one party, except with full disclosure and informed consent. Keep the funds of clients and customers in escrow. Assure, whenever possible, the transactional details are in writing.
Provide equal service to all clients and customers. Be knowledgeable and competent in the fields of practice in which I ordinarily engage. Obtain assistance or disclose lack of experience if necessary. Present a true picture in my advertising and other public representations. Do not engage in the unauthorized practice of law. Be a willing participant in CODE enforcement procedures. Ensure that my comments about other real estate professionals are truthful, and not misleading. Respect the agency relationships and other exclusive relationships recognized by law that other Real Estate Consultants have with their clients. Arbitrate contractual and specific non-contractual disputes with other Real Estate Consultants and with my managing broker.
 

Community Service & Professional Affiliations

Community Service

  • COMPA: Have volunteered my self and team to assist annually in gathering food and resources for needy families.
  • Denver Rescue Mission: Have Volunteered, donated and participated in food drives each year for this organization each year!
  • Habitat For Humanity: Have donated funds to this organization and 2017 plan to participate in the construction process for 12 new homes for families in need!

Professional Affiliations

  • AAR: Aurora Board Of Realtors
  • IABA: Italian American Business Association
  • Homes for Hero’s Affiliated Realtor
  • Realtors- Certified Realtor with State of Colorado
 

Team Philosophy

  • Honesty- I will always be honest good, bad or indifferent and through this the foundation of trust is built!
  • Integrity- I will always act thorough professional and moral ethics, always will do the right thing!
  • Communication- Is the number one key to listening, understanding, and success is communication between myself and all involved parties at all times!
  • Creativity- I will be creative in finding solutions to problems or turning ideas into results!
  • Teamwork- When we work collaboratively with all trades involved makes a smooth transaction for my client!
  • Success- My success is determined through my clients happiness. A direct result of success is referrals from happy clients!!!
 

Questions You Should have for your Agent!

Will your personality mesh well with your agent's personality? Do they present a wide range of ideas and suggestions to assist you in the home sale process Will they provide status to you on a regular basis to keep you in the loop as far as market updates, new listings, showings etc? Do they have backup people to cover shifts? Do they have experience helping clients buying property in your area of choice? Do they have a history of helping negotiate a price in the best interest of their client?
Do they have references that you can call to verify if their service is professional, on task, prompt and client focused? Do they provide CMA information on potential properties you want to buy to ensure you are paying a fair price? Have they been Punctual in previous meetings, phone and appointments? Do they have timely responses and prompt follow-up when messages are left for them? Have you encountered any "red flags" when considering their honesty, integrity or professionalism? Are there more requirements on you than there are on them while helping YOU buy a home? Does the broker allow you to review their materials before you make a decision?
 

What sets "ME" apart from the rest??

3 Roles I will play as your Agent!
  1. Consultant- I will ask profound, insightful and thought provoking questions of my clients, listen vigilantly and THEN give my expert advice.
  2. Negotiator- I will represent you, your money and your interests as if they were my own. I will negotiate for the best outcome possible on your behalf.
  3. Overseer- I will oversee all the details big and small on your behalf through the entire transaction. This on average for a typical real estate transaction will include:
    • Take to over 43 people in 15 different industries
    • Review over 200 pieces of paperwork
    • Make over 150 phone calls
    • Collect and confirm over 60 signatures
    • Write/Send/Review over 60-100 emails.
 

Its All About You!

My Real Estate business has been around one guiding principal… Its All About YOU!

  1. Your Needs
  2. Your Dreams
  3. Your Concerns
  4. Your Questions
  5. Your Finances
  6. Your Time
  7. Your Life

I will work with you to understand your unique lifestyle needs and wishes because buying a home is more than a certain number of bedrooms or particular zip code. Its about your life and its IMPORTANT to ME!

My focus is on your complete satisfaction. In fact, I work to get the job done so well you will want to tell your friends, family and coworkers all about me! The majority of my business comes from referrals from happy customers! Good service speaks for itself! I'm looking forward to the opportunity to earn your REFERRALS too!!!

 

You Get from Me...

  1. A knowledgeable and professional REALTOR who represents You and only you from start to finish!
  2. Through consultations to determine your unique wants and needs in a home
  3. Advice on making offers based on the market evaluation and mitigating circumstances so you get the best deal possible and you don't "overpay"!
  4. A committed ally who will complete your purchase contract, present your offers and negotiate on your behalf
  5. Preparation of all closing documents through my licensed transaction coordinator and guidance through the closing process.
  6. Assistance with any post-close issues or questions
  7. The backing of a trusted company, Cherry Creek Properties

As a Part of my service, I will commit to helping you with your home search by:

  1. Organize and scheduling homes to view based on your unique specifications.
  2. Personally touring homes and neighborhoods with you
  3. Keeping you informed of any new homes that go on the market through my automated search personalized to you.
  4. Advising you of other homes that have sold and for how much to keep you educated on the market and value.
  5. Working with you until we find the home that is meant for you!
 

6 Steps to Home-Buying

  1. Choose a REALTOR

    Choose the best real estate agent to represent you in finding and purchasing your new home and sign a buyer agency agreement to work together. It is important to trust your agent , as you will be spending a lot of time together and your agent is the one helping you with one of the biggest financial commitments you will make!

  2. Obtain Financial Pre-Approval

    Get Pre-Approved for a loan before you find a home benefits you in the following ways:

    1. You know your price range, closing costs and monthly payments up front.
    2. You only look at homes within your price range
    3. Your negotiating position with the seller is MUCH stronger
    4. Closing on your new home can happen more quickly.

     

  3. View Homes and Find "The One"

    After a thorough understanding of your new home needs, I will set up an automated search on the minute to minute accurate MLS system and it will email you prospective properties and you will be able to choose the homes you want to go and see and I will schedule the visits accordingly.

  4. Make your Offer

    Once you have found your new home, I will do my homework on the market data for the home to help you determine what to offer and we will present a written offer to the sellers agent. There may be some negotiations required and the seller may either accept, reject or counter your offer. When the seller accepts the offer it becomes a legal contract.

  5. Get Inspection and Negotiate Repairs

    You will hire a professional home inspector to conduct a thorough inspection of the property and we will negotiation with the seller to complete any necessary repairs. Please note this will be an out of pocket expense to you approximately $200.00-$400.00.

  6. Final Review of Contract and Close!

    The closing is the formal process of signing papers, paying fees and closing costs and receiving the keys to your new home!

 

Funding your Home Purchase

Three Factors Determining How Much you Can Afford!

 
  1. Qualification for the Mortgage
  2. Down Payment
  3. Closing Costs
  1. Qualification for the Mortgage

    Lenders may require that your monthly payments be between 28-44% of your monthly income. The percentage will depend on the borrower’s credit rating. Your monthly mortgage payment to the lender will consist of:

    1. Principal of the Loan
    2. Interest on the Loan
    3. Property Taxes
    4. Homeowners Insurance
  2. Down Payment

    Most home loans today require an upfront, or down payment between 3.5-10%. If you are able to pay more upfront, you may be eligible for lower interest rate loans and shorter loan periods.

  3. Earnest Money

    Earnest Money is a deposit that is usually required to be paid to the title company of the sellers choice within 3 days of the accepted contract. The amount of this is determined by the seller but can range from 1K-5K.

  4. Closing Costs

    Additional fees and costs associated with loan processing and closing are required to be paid at the final closing, unless you are able to include them in your financing. Typically closing costs amount to between 2-5% of the purchase price (not the loan amount). The lender you choose will be able to tell you what fees you should expect, so when you are interviewing lenders make sure they are clear and up front with how these fees will work.

 

Process of Funding

  1. Financial Pre-Approval
    1. Application and interview with a mortgage loan company or bank.
    2. Buyer provides pertinent documentation including verification of employment
    3. Credit report is required
    4. Appraisal for current home owned, if any
  2. Underwriting
    1. Loan Package is submitted to underwriter for approval.
  3. Loan Approval
    1. Parties are notified of approval
    2. Loan documents are completed and sent to title company
  4. Title Company
    1. Title Exam, insurance and titel survey conducted
    2. Borrowers come in for final signatures
  5. Funding
    1. Lender Reviews the loan package
    2. Funds are transferred by wire
 

Making an Offer

Once you have found the property you want, we will write a purchase agreement. While much of the agreement is standard, there are a few areas that we can negotiate:

  1. The Price

    What you offer on a property depends on a number of factors including its condition, length of time on the market, buyer activity, and the urgency of the seller. While some buyers want to make a low offer just to see if the seller accepts, this often isn't always a smart choice, because the seller may be insulted and decide not to negotiate at all. So foundational facts and info to support the offer price is best.

  2. The Move-in Date

    If you can be flexible on the possession date, the seller may be more apt to choose your offer over others.

  3. Additional Property

    Often, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation.

We will present the offer to the listing agent and/or seller. The seller will then do one of the following

  1. Accept the offer
  2. Reject the offer
  3. Counter the offer with changes

By far the most common is the counteroffer. In these cases, my experience and negotiation skills become more powerful in representing your best interests.

When a counter offer is presented, you and I will work together to review each specific area of it, making sure that we move forward with your goals in mind and ensuring that we negotiate the best possible price and terms on your behalf.

Note: Earnest money will be needed at time of the offer. This is typically 1-2% of the offer price. This check is made to Title Company and will ONLY be deposited if the offer is accepted. This amount WILL be applied to the down payment.

 

Closing 101

  1. Prepare for it!

    Closing day marks the end of your home-buying process and the beginning of your new life! To make sure your closing goes smoothly, you should bring the following:

    1. A certified check for closing costs and down payment.
    2. An Insurance Binder and paid receipt
    3. Photo ID's
    4. Social Security Numbers
    5. Addresses for the past 10 Years
  2. Own It!

    Transfer of title moves ownership of the property from the seller to you. The two events that make this happen are:

    1. Delivery of the Buyers Funds

      This is the check or wire of funds provided by your lender in the amount of the loan to the seller.

    2. Delivery of the Deed

      A deed is the document that transfers ownership of real estate. The deed names the seller and the buyer, gives a legal description of the property, and contains the notarized signatures of the seller and witnesses.

At the end of closing, the deed will be taken and recorded at the county clerk’s office. It will be sent to you after processing at NO CHARGE!

 

Understanding Paperwork you Will Sign when you Buy Your Home!

  • The Exclusive Right to Buy Agency Agreement:
    This document is a signed contract between you and the Real Estate Consultant through whom you decide to Buy your home. It will denote a “representation period”, which is the amount of time you agree to work with the Real Estate Consultant as you look to buy a home. If this listing period expires, it is the responsibility of the Real Estate Consultant to notify you to either renew or not. By signing this contract, you agree not to use other Real Estate Consultants for the representation period. This is what’s called “Exclusive Right to Buy”.
  • Affiliated Business Agreement:This document is a notification that Cherry Creek Properties has a business relationship with Best Choice Home Loans and that the owner of Cherry Creek Properties is also the owner of Best Choice Home Loans. Each business is distinct from one another, but the dual owner ship needs to be disclosed to all parties involved in a transaction with Cherry Creek Properties as proper ethics.
  • Colorado Mold Disclosure:This document is a notification that homes may contain mold and that mold may be harmful and toxic. As Real Estate agents we do not know if this condition exists or not, and we are not qualified to determine if the presence of mold exists. We advise that if there is a concern that the home has a mold issues that it is the buyers responsibility to hire a processional during the inspection objection period to see if the issues exists and what it would take to remedy the defects.
  • The Seller’s Property Disclosure:This document is a notification of the condition of the property to the best of the sellers knowledge as well as the inclusions and exclusions of the sale. Any positive or negative material facts should be noted on this disclosure.
  • The Lead Based Paint Disclosure:
    This document is a disclosure stating whether or not the seller knows of lead based paint on your property. This document is required on any home that was built before 1978. It also denotes that you have received and read the Lead Based Paint Obligations document given to you by your Realtor.
  • The Square Footage Disclosure:
    This document is a notification of the square footage as stated by an appraiser, a builder, the county assessor or measured by the listing agent.
  • The Source of Water Addendum:
    This document discloses the company/provider of the water and sewer sources to the property to the Buyer.
 

Easy Exit Buyer Guarantee!

Canino's Bella Casa Group

Lindsey Canino

EASY EXIT BUYER GUARANTEE

 
When you choose me as your Realtor you also get the benefit of our EASY EXIT Buyer Guarantee, which states you can cancel your Buyer Agent Agreement with us at any time. No hassles. It’s easy.
Lindsey Canino and her team have strong opinions about real estate service. We believe that if you are unhappy with the service you receive, you should have the power to fire your agent.
It takes a strong belief in the quality of one’s service to make this kind of stand, but we never settle for less than the highest professional standards from our team. We are confident you will be happy with our service and results. That’s the simple truth. We always stand behind our service.
The Guarantee:
If you are unhappy with the service I am providing you, I ask that you first discuss it with me because I would like the opportunity to improve. Simply tell me the problem, give me seven days to attempt to fix it. If you are still unhappy, simply ask for an unconditional release in writing emailed to you, and you will have your release in writing (you will receive a copy of cancelled Buyer Agent Agreement) within 24 hours from receipt of your request.
The Exceptions:
If there is an accepted offer or pending negotiations, listing cannot be released. Broker protections as per the listing agreement continue to be in effect as explained on the listing agreement.
 

Thank You

Buying a home is a BIG deal and I take the task very seriously! The fact that you have considered me to help you accomplish this means the WORLD to me!
Thank you for your thoughtful consideration as you make this next major decision in the start to the exciting journey of buying a new home!
 

Contact Information

Lindsey Canino
Cell: 720-323-0614
Office: 303-713-9000
Email: Lindsey.BellaCasa@gmail.com

Note: I ALWAYS check my email and text messages. I almost never answer the phone while showing clients homes, but will check messages frequently. I make sure all my clients get my undivided attention when they are with me so will YOU!