November 1, 2016

Eileen's PROFILE


20 + years in the real estate industry

Rare dual licenses for both real estate broker and mortgage originator, 2008 - 2016

Colorado Licensed Real Estate Broker, Broker/Owner of EMC Realty, to 11/2016
Colorado Licensed Mortgage Loan Originator, to 11/2016
CO License # MLO 100024439, NMLS # 867261
Ethics credentials
FHA and VA experience
REO/Foreclosure Certified
Short Sale Certified
Listing Credentials Graduate
Credit repair experience
Dozens of Continuing Education Classes


As a seasoned Colorado real estate agent, property investor and Colorado licensed mortgage loan originator, helping clients plan their

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April 29, 2016

SOLD: $399,900 Remodeled, 2011 E. 148th Dr, Thornton 80602

See listing on: Zillow

See listing on: Craigslist

My Zillow real estate agent Reviews

My Zillow mortgage broker Reviews

Highly requested Quail Valley community.

STUNNING VIEWS of Longs Peak, Mountain range, open space!

Exquisitely maintained and clean. Move-in ready.

Appraiser measured 1945 finished sf up, popular Melody Keystone model with 4 levels.

Updated, remodeled: Stunning new solid hardwood flooring (real wood, sand & seal) throughout main level (entry, 1/2 bath powder room, living room, dining room, kitchen). New designer paint interior and exterior. Brand new hot water heater. New fixtures. Newer Amerimax upgraded windows throughout and Amerimax patio sliding door.

Bay window in Living room. Astonishing VIEWS from bay windows!

Separate Dining room opens to adjoining Living room with astonishing VIEWS from the patio door!

Bay windowed eat-in kitchen with gas range/stove/oven and Pantry.

Guest powder room 1/2 bath at entry with coat closet.

Large private master on its own level with en-suite 5-piece bath, 2 sinks, soaking tub, door-close toilet room, and walk-in closet. Wired for internet/cable. Incredible Mt Views from large window!

Two additional bedrooms (or one could be an office, it's wired for internet/cable and has Mt Views!) and full bathroom on the 4th upper level.

Lower level family room with gas insert fireplace (also wired for internet/cable).

Natural light, vaulted ceilings, ceiling fans, open floor plan.

Open, 702 sf basement with bath rough-in to be finished to your personal touches for an extra bedroom and extra bathroom, or use as a large amount of extra storage space.

Large yard, carpet of backyard lawn, sprinkler system front/back. And VIEWS!!

Attached 2 car garage.

Built 2003/04.

Central A/C.

Includes appliances (refrigerator, stove, dishwasher, washer/dryer).

Home is situated on the lot in such a way to give the feeling of more privacy than usual and astonishing "WOW" views of Longs Peak, mountain range and open space. Backs to green belt and beginning of open space.

On cul-de-sac directly adjacent to new Big Dry Creek Open Space Bird Preserve and Historic Renovation Big White Barn.

Direct access to community walking trail and two children's playgrounds. Blocks to Adams 12 Five Star elementary and middle school and new-being-built Stargate K-12 Charter schools and new St Anthony Medical Ctr, movies, eating, upscale Orchard Town Center shops/Cabelas. Convenient to major freeways, and future light rail!

Home Buyers Warranty.

Eileen M. Carda, CO Broker/Owner EMC Realty, and CO Mortgage Loan Originator, Plum Creek Funding, show contact info NMLS 867261, MLO 100024439 Mobile: 303-903-0394






March 28, 2016

NEW RULES to DO NOW if You Want to Buy a House

Here are some "how to buy a house now" steps to keep in mind as you prepare to package yourself to win a home in any of our Front Range areas (Denver Metro especially).

With the best homes flying off the shelf-- often under contract the day they are listed or within days after, you want to be completely ready.

FIRST, it's best to...

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October 9, 2014

Home in ARVADA

Eileen couldn't have been better. She was great and made everything very easy for us and my wife and I can't imagine a better experience with an agent. She was extremely knowledgeable, very friendly, and completely professional while remaining very personable. We had a tough move from PA under very rigid circumstances and time constraints and Eileen exceded all of our expectations and more than met all of our needs. We would certainly recommend her services to anyone we know and to anyone considering retaining her services.

Barret W.


September 29, 2014


Very easy, from the loan prequal to immediate advice of what was available, she stayed right with us every step, told us the truth, and such great knowledge about what to do next with inspections and appraisals and all, highly pleased.

Noel and Wanda H., September 29, 2014


September 23, 2014

What Happened to Looking Through 50 Listings for My Dream Home?

Let us go back in time to the year 1985. The first Top Ten list by David Letterman premiered. Back to the Future was the top grossing film. New Coke was launched and failed. The Titanic wreckage was found. The first version of Windows came out to the market. The average price of a new home was

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April 30, 2014

Market sizzles with average price up 12.5%

Residential Highlights:

• 21.2% increase in the number of closed sales year-over-year
• 21.4% increase in the number of closed sales year to date
• 37.8% decrease in average days on market (56 days in April)
• 32.2% decrease in active listings
• 11.9% increase in new listings
• 12.5% increase in average price - sold ($336,123 in April)

Condo Highlights:

• 20.8% increase in number of closed sales year-over-year
• 21.1% increase in number of closed sales year to date
• 42.9% decrease in average days on market (52 days in April)
• 32.5% decrease in number of active listings
• 30.2% increase in number of new listings
• 10.5% increase in average price – sold ($196,966 in April)

April 19, 2014

Patio home in AURORA

I just love Eileen! She was so much help. Right from the "get-go" I felt I could trust her judgement. She showed me many houses that were what I was looking for. She did not force herself or her choices on me. During the purchase phase, she was on top of everything. Her attention to detail was amazing. Nothing slip-shod about Eileen. She was very kind and not condescending or judgemental about anything. She told me just how things were. I feel so very fortunate to have found Eileen as my realtor, words cannot say. As I live in Alaska and the sale was in Colorado, there was that distance factor to consider. She worked with my daughter in Colorado and my daughter was very please with Eileen. I just can't say enough good things about her. She's a keeper! Please share these comments to other potential buyers. Thank you ZIP Realty and thank you Eileen!

Beverly W.


January 25, 2014

Refi in NORTHGLENN, Conventional, Recommendation

You did a great job. You researched for us, saved us $423 a month, made it very easy, meeting us at our house on a weekend to get paperwork. We really appreciate what you did, we would definitely recommend Eileen.

Andres and Judith T., January 25, 2014


January 8, 2014

Home in LAFAYETTE $309K

She is an incredible hard working professional with an incredible attention to details



February 28, 2013

TownHome in DENVER

Ok, we recommend Eileen. This purchase started two years ago, she kept showing us, we were so picky! And this house she found days after listing, such a deal but soooo hard to close, the bank didn't want us or anyone to buy it, took 4 months and many tries to get the bank to sign for us but Eileen stayed the whole time, great advice, hand holding. Our house is great!

February 28, 2013


February 8, 2013

Facebook Recommendation, townhome in Thornton

Seen in Denver Area Real Estate by Eileen Carda:


"Love love love Eileen! She is the best....honest, trustworthy, firm while remaining professional. I WILL use her as an agent again."
on Wednesday, August 8, 2012

Chuck W.

January 31, 2013

Home in AURORA

Yes, amazed, didn't think real estate agents did much-- our eyes were opened with how much work and watching over all Eileen did for us, from knowing the exact papers the loan needed to telling us about radon and inspection stuff, all got us a fantastic house.

Robert and Christina B., January 31, 2013


January 10, 2013

Home in AURORA

wow. I couldn't believe how Eileen would run right out to show me houses, the ones I found and the ones she found. I bought the one we looked at listed just one day because we offered right there at the kitchen table. The other realtors didn't want to show houses. It's just great at how much work Eileen did for me, just great.

Roger M., January 7, 2013


January 9, 2013

Bankruptcy and Foreclosure- When Can I Buy or Refi?

[These are the guidelines as of September, 2013. If you are reading this after that date, please call me or your mortgage broker/banker as the rules and requirements continue to change and the information below, though basic, in reality has probably changed.]

Qualifying for a mortgage after bankruptcy or a foreclosure/short sale/deed in lieu requires timing as well as re-building credit.

Rebuilding credit means actually USING credit responsibly. That means having at least two GOOD lines of credit like 2 small limit and small charged up balance credit cards being paid on time, paying meticulously on time and keeping the amount charged up very low. That also means NOT closing any account, PAYING OFF collections and judgements and PAYING DOWN-- NOT OFF--- USING the minimum payment asked in the bill (NOT paying the entire amount off every month) and keeping the balance charged up to only max 20% or so of the limit given.

Timing is as follows and is to the day-- and possibly per decision of any given bank:

FHA Loans

* Foreclosure or Deed-in-Lieu or Short Sale: 3 years from the final sale to a NEW BUYER (not the day you signed the foreclosure paperwork or were evicted)

* Chapter 7 Bankruptcy: 2 years from Discharge

* Chapter 13 Bankruptcy: Totally an underwriter/lender decision AND must get at least a one-year history of making on-time payments from your Trustee, Court or BK Attorney or who ever is receiving your payments AS WELL AS written approval from the same Trustee, Court etc. receiving payments to add new debt.

(other loans, open the rest of the Post)


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