Denver Neighborhoods – Stapleton

Stapleton area was once the main airport for Denver.

“While Denver International was being constructed, planners began to consider how the Stapleton site would be redeveloped. A private group of Denver civic leaders, the Stapleton Development Foundation, convened in 1990 and produced a master plan for the site in 1995, emphasizing a pedestrian-oriented design rather than the automobile-oriented designs found in many other planned developments. Nearly a third of the airport site was slated for redevelopment as public park space.

The former airport 4,700 acres (19 km2) site 10 minutes from Downtown Denver is now being redeveloped by Forest City Enterprises new urbanist project. Construction began in 2001, and as of 2008, 3,200 single-family houses, row houses, condominiums and other for-sale housing as well as 400 apartments had been built.[7] The new community is zoned for residential and commercial development, including office parks and “big box” shopping centers. Stapleton is by far the largest neighborhood in the city of Denver and an eastern portion of the redevelopment site lies in the neighboring city of Aurora, Colorado.”



“Paper Shuffler”

When buying a home there is a lot of paperwork that is involved and a client can feel a little pressure with being asked to provide personal information as well as duplicate copies of paperwork already sent. 

One of our recent clients sent this letter into the loan processor in response to the request for more documents. Name and addresses have been changed but the humor is all there. 

Hope you enjoy reading it as much as Nancy and I did: 


April 18


To Whom it May Concern:


This letter is to verify the intent of Mr. and Mrs. Smith to reside at the address of 123 W. Main Street as their primary residence, should the purchase be completed on May 21.

Mr. and Mrs. Smith currently reside at 5678 W. Cedar Ave Brighton, CO.The original intent was to place this home on the market as soon as possible to sell, rolling the equity into the Main Street residence.  It has now become clear that Mr. and Mrs. Smith will be spending the rest of their lives doing paperwork for the Lender team, and will in fact never be able to put their home on the market, as they have no time to prepare it for sale.

This, however, is not a problem, as they have been assured through all aforementioned paperwork that they can indeed afford to carry both homes.  There is intent to sell at least one of their children on the black market to help insure that they have adequate funding for the purchase of the home.  Not to worry, proper documentation, in triplicate, including proof of deposit, will be provided for the sale of said child/ren.  Should this be a cash sale, the Smith’s fully intend to get six years worth of financial statements, tax returns, proof of employment, and blood type and sample from the purchasers to insure that they do indeed HAVE the money which they have already handed over.

Should Mr. and Mrs. Smith be unable to sell any of their offspring, a secondary plan is in place to remove the children from school and teach them the lucrative trade of finding, sorting printing, signing, scanning and emailing paperwork to the Lender team.  Should they master this skill, as we have confidence they will, we can then re-initiate the plan of getting the current residence ready for sale.  Not to worry, we will supply adequate documentation to support this plan, to include training manuals, proposed copying/scanning schedules, and soft and hard cost breakdowns, to include cookie breaks and potty breaks.


If there are any questions, please feel free to email me.  Please don’t forget to attach to the email four more requests for further support of financial stability.



David Smith 4/18

Disgruntled paper shuffler

Denver Neighborhoods – Sloans Lake

“The true history of the creation of Sloan’s Lake may never be officially known, but during the settlement of the Denver area in the mid to late 19th century, the lake did not exist. A road connecting Denver and the western suburb of Golden crossed through where Sloan’s Lake is now. A homesteader named Thomas F. Sloan received a patent for the land from US President Andrew Johnson in December 1866. He used the land for agricultural purposes, farming and raising cattle. A commonly accepted legend states that Sloan dug a well on the land, inadvertently tapping into an underground aquifer, and that when he awoke the next morning, part of his farm land was covered in water. This flooded what was known as South Golden Road, and eventually Colfax Avenue would become the major east-west thoroughfare in this part of the city. The lake once exceeded 200 acres  and extended north and west beyond its current size, but portions were filled north of 25th Avenue and west of Sheridan Boulevard.”


Sloans Lake

Fast Tracks Light Rail Opening in Jefferson County

Whew! The day is just about here. The Jefferson County Light Rail stations are getting ready to open on the 26th! Great news for those who work down town, play down town or go to any events. This hopefully should relive some of that morning and evening traffic coming in and out of Denver!


Have you ever taken the light rail?

Where would you like the light rail to go?


Denver Neighborhoods – Potter Highlands (LoHi)

“The townsite of Highland was laid out in December 1858 by William Larimer, Jr., who the previous month had founded Denver City.[6] In 1859 the Highland town company formed, and a Platte River bridge was planned to connect to Auraria and Denver. The Rocky Mountain News noted:

“No more handsome location for residences can be found than on the highlands of Highland, on the opposite side of the river from and overlooking Auraria and Denver, and a vast extent of surrounding territory.”

After the May 1864 flood wiped out parts of Denver, new people moved up the hill to the west. The Fifteenth Street Bridge made the western hills accessible and as the years passed streetcars made the area even easier to reach.

In 1875, Owen Le Fevre and other developers petitioned the Arapahoe County Commissioners to establish a village government. After annexing Potter Highland and Highland Park, they formed the Town of Highlands which became a city in 1885.”


Potter Highlands (LoHi)

Denver Neighborhoods – Polo Grounds

“Lawrence Phipps, Ira and Albert Humphreys, and Lafayette Hughes and purchased 160 acres of property for $62,000.00 and incorporated the new Polo Club. Architects Fischer & Fischer was hired to build the clubhouse at 5 Polo Club Road. Stables were built on the south west corner of Alameda Avenue and Steele Street.

Two of the initial investors built their own gracious residences in and around the area. The Phipps mansion was built at 3400 Belcaro Drive, Lafayette Hughes built his family home at 2755 E. Exposition Avenue.

Polo was regularly played on the grounds three times per week throughout the 1920’s and 1930’s. By 1936, the decline of the game’s popularity coupled with the Depression causing a decrease in affluent members caused the play to discontinue. The Polo Club officially closed by December of 1941.”


Polo Grounds

Understanding Credit Ratings

Credit plays a role in everything from buying a home, to signing up for cell phone service or utilities, to getting car insurance. A credit score is a snapshot taken by the three leading credit bureaus, TransUnion, Equifax and Experian, that allows lenders to determine whether or not you will be extended credit, the amount of credit and even the terms (interest rate, loan amount, repayment schedule). 
While I am not a credit counselor, I can give you a little bit of information about credit scores and some basic steps to keep them healthy, which are important for you to know when applying for home financing. 
What is a credit score and how is it calculated? 
A credit score is a number between 300 and 850 that is used to predict how likely you are to pay your bills. Many of the companies with whom you have a loan or a line of credit report back to the three credit bureaus information such as whether you pay on time, your credit amount, etc. Your credit score is calculated from this personal financial information. The higher your credit score, the better the credit terms you will receive. The lower your score, the higher the interest rates you may have to pay. Generally, scores over 700 are considered excellent while scores below 600 are considered poor. 
You are eligible for one free credit report per year from each of the three credit reporting agencies. Take advantage of this opportunity to monitor your credit report and ensure there are no mistakes or surprises with your credit. 
How can I improve my credit score?* 
Although there are no quick fixes when it comes to improving your credit score, you can take steps to rebuild your score over time:

  1. Continue paying your bills on time — your payment history matters.
  2. Don’t max out your cards or even run the balances up high.
  3. Hold off on applying for new credit or cancelling an old card, since length of credit helps.
  4. Pay down high balances, but don’t just transfer debts among several lenders.
  5. Settle any collections or past due accounts that you possibly can.
  6. Dispute and resolve any inaccurate items in your credit report. The last two years of your credit history are the most important.

Credit scores affect your life — beyond just mortgage interest rates. 
Credit scores are often used in determining prices for auto and homeowners insurance. Employers have also begun using the scores as part of background checks when making hiring decisions. The practice of using credit scores in nontraditional ways is expanding. It’s more important than ever to educate yourself about credit.




Kathleen O’Brien
Loan Officer
W.J. Bradley Mortgage Capital, LLC
Office: 303-320-4015