firstintegrity

Missing a mortgage payment is unsettling. For many homeowners, it immediately raises one question. How many payments can you miss before foreclosure becomes a real risk? The answer is usually not as immediate as people fear. Foreclosure does not happen after one missed mortgage payment. It also does not happen overnight. There is a built-in

In Colorado, closing isn’t just a meeting – it is the final deadline in a contract where “Time is of the Essence” is a legal requirement. If you miss a deadline by even a few minutes, you could technically be in breach of contract. For most buyers using a mortgage, the finish line is 30

Homeowners across the Denver Metro Area are rethinking the old way of selling houses. Instead of dumping cash into endless updates and repairs, a significant portion of sellers are choosing to sell to a cash buyer. With over 27% of Denver home sales involving all-cash transactions last year, selling as is for cash is a

Selling a home can be a headache, but working with a local cash home buyer often makes the whole thing a lot more straightforward than people expect. It’s not just about getting your more money faster – there’s something reassuring about dealing with someone who knows the area, understands the real estate market, and maybe

Choosing when to close on a house sale really shapes how smoothly things wrap up and how soon you actually get paid. The timing impacts everything from the buyers’ first mortgage payment to how much interest and taxes get settled during the closing process. An early closing date or a late one can shift a

Selling your house as is tells potential buyers one thing: you won’t be fixing anything. While that sets a key ground rule (what you see is what you get), it certainly does not eliminate the home inspection. Smart buyers insist on a complete diagnosis of the as is property before closing. Knowing exactly what the

Selling your home fast is exciting, but the utility bills don’t vanish the minute you hand over the keys. Utility accounts usually stay in the seller’s name until the official closing date, and mishandling them can lead to extra charges, unpaid utility bills, or even delays in the closing process. The seller is responsible for

Trying to decide between selling your home or renting it out? It’s a big one – especially when life throws you a curveball, like a job transfer or a growing family. Both paths have their perks and headaches, so you’ll want to weigh them against your financial situation, what’s happening in your local housing market,

Selling a house for a dollar – it sounds odd, but it’s actually legal. Here’s the catch: if you transfer a property for $1, the IRS and state authorities treat the difference between the property’s fair market value and that token price as a gift, which means there could be tax consequences. So, no, it’s

Capital gains tax in Colorado hits anyone selling assets like stocks, real estate, or other investments for a profit. Colorado taxes capital gains as part of state income tax at a flat rate, with only limited subtractions available for specific cases such as qualifying agricultural property. If you know how both federal and state rules