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"When You Think of Someone Who Needs to Buy, Sell or Rent a Home,,, Please Think of Me."
- Steve Charlett
(Broker and Owner of Doctor Relocation, LLC.)

Dr. Relocation's July
Real-Estate Newsletter

Follow our monthly real-estate newsletter for tips on how to boost the value, safety and enjoyment you get from your real-estate.

Fourth of July: Take a Step Toward Energy ‘Independence’
By: John Riha
Published: July 1, 2011
The Fourth of July -- Independence Day -- is a great time to reflect on how lucky we are to live in the United States of America, and what we can do to make our nation better, stronger, and more prosperous. As President Kennedy famously said many years ago, “Ask what you can do for your country.”
The Fourth of July -- Independence Day -- is a great time to reflect on how lucky we are to live in the United States of America, and what we can do to make our nation better, stronger, and more prosperous. As President Kennedy famously said many years ago, “Ask what you can do for your country.”

We’d all like to do our part. But our individual efforts sure seem small compared with the goings-on of world politics and global economies.

How can we — average American home owners — really achieve big goals, such as influencing national energy policy and building a strong economy? After all, we’ve got our own daily stuff to deal with: work, home repairs, getting the kids to softball practice, and the dog to the vet.

One good way is to reduce energy consumption in our own homes. This simple act can have a major impact. Not just in terms of helping hold the line on the family budget, but in slowing the ever-spiraling costs of energy. Lessening demand — even incrementally — eases the price of energy, which can free up capital that creates jobs and helps get our economy kicking.

Here are examples of small contributions you can make that add up:
  • Ask cable or satellite providers for an energy-efficient set-top box, (the device that receives and dispatches TV signals to your DVR). Set-top boxes, which run 24 hours a day, have become a leading energy drain in the home. Newer Energy Star-rated models are at least 30% more efficient. If all set-top boxes sold in the U.S. were Energy Star-rated, energy savings would total $2 billion each year, and greenhouse gases would be reduced by an amount equivalent to 3 million cars and trucks.
  • Replacing an old, kaput dishwasher with an Energy Star-qualified model cuts the annual energy cost of the machine by 50% — to $60 from $120. If every clothes washer purchased in the U.S. this year were an efficient Energy Star model, the national energy savings would total $350 million, not to mention conserving 32 billion gallons of water.
  • Buying a high-efficiency gas or electric water heater, when yours reaches the end of its useful life, saves 3% to 4% on the average home’s hot water bill. Energy standards enacted by the U.S. Dept. of Energy in 2010 were designed to cut energy usage of new water heaters by 3% to 4%. Over a 30-year period, U.S. consumers should save $8.7billion and reduce CO2 emissions by 170 million tons — that’s equal to the yearly emissions of 30 million cars.
  • Replacing a 60-watt incandescent light bulb with a 13-watt compact fluorescent equivalent saves $30 over the life of the bulb. Alternative: LED bulbs, although costly ($30 for 7-watts), last 3 to 4 times longer than CFLs, burn cooler, and — unlike CFLs — contain no mercury. If every home in America replaced just one incandescent bulb with an Energy Star-qualified CFL, the savings would be enough to light more than 3 million homes. The savings would also reduce greenhouse gas emissions caused by fossil-fuel energy production equivalent to 800,000 autos.

More easy ways to be patriotic (and save):

  • Create a breeze with a ceiling fan instead of using the AC. For every degree you raise the air conditioning thermostat above 78 degrees, you can save 3% to 8% on cooling costs.
  • Install a programmable thermostat and save as much as $180 per year.
  • Plump up attic insulation from R-11 to R-49 and save up to $600 per year.
  • Turn down the thermostat on your refrigerator and save $22 per year.
  • Outsmart sneaky energy vampires by turning off (or putting “to sleep”) computers, printers, and other electronics when not in use: Shave another $100 from your annual energy bill.

Let’s put the independence in Independence Day.


Contact me to get a FREE home buying consultation, and/or a complimentary market analysis on your home!

Cell # (720) 308-6835

Office # 303-771-9400

 Doctor Relocation, LLC

13770 E Rice Place

Aurora, Co 80015


"When You Think of Someone Who Needs to Buy, Sell or Rent a Home

,,, Please Think of Me"

Your Realtor,
Steve Charlett


If you are in need of a REFERRAL for just about anything home related, I'm often able to save you time and money by pointing you towards providers who have received good reviews from my clients and colleagues.  Just call me, or reply to this email and I'll be happy to assist you.

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Cathy's Mortgage Corner

This month we are highlighting the Veterans Administration loans.  These loans are exclusive to individuals who have served in the Armed Services.   Additionally, members of the National Guard are also now eligible for VA loans.
This type of financing allows Veterans to purchase a home with little or no down
payment.  This is a program that is guaranteed (repayment) by the Federal Government should the Veteran default on the loan.  Veterans still must credit qualify for this type of financing.  VA loans allow Veterans with some credit blemishes to qualify.  Best to consult with a trusted mortgage professional to see if you credit qualify.  These loans are still assumable by any qualified buyer; the Veteran is then released from liability on that mortgage.  The caveat to this scenario is that if a Veteran allows the loan to be assumed, future eligibility for a VA loan is still tied up with the property.  The best case in order to preserve that eligibility for a future VA loan would be to allow only other Veterans to assume the loan.  That way, his/her eligibility is substituted for the current Veteran’s eligibility.   All others purchasers would have to obtain new financing.  Many Veterans are not aware that a VA loan may be used over and over, just can't have more than one loan at a time, unless there is sufficient eligibility remaining (check with VA or me, as this is something I do for my VA buyers).
The Veterans Administration no longer sets the interest rate on VA loans, as they did years ago.  The rate is now market rate and subject to change daily.  These loans can be fixed rates or adjustable rates.  The VA adjustable rate mortgage works just like any other ARM; it is fixed for a period of time (usually five years) at the end of that period, it begins to change annually.  Again, the good news about this ARM is that it is capped at no greater than a 1% change year to year with an overall 5% lifetime cap.  It is a fully amortizing loan, just like any fixed rate loan.  After the first five years, the principal and interest payment will change, but at the end of 30 years, the loan will be paid in full. 
Please give me a call to see if you qualify for this special type of financing.  Rates are still low and the starting ARM rates even lower.  Remember, it is best to get preapproved for your mortgage before you start looking for a new home. 
Thank you again for serving our country and keeping freedom alive!
Next month: Jumbo loans


Cathy Bok

Guild Mortgage Company

Direct Phone # 720-746-4097

Cell Phone # 303-757-4121

Efax # 720-367-5488


NMLS # 374094



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