Denver - The Mile High City!
Even by American standards, Denver is an awfully young city. The gold strike that launched it occurred just 140 years ago. Resting one mile (5,280 feet) above sea level, Denver is a town whose emerging urban personality attracts more fans every year.
 Visitors no longer bypass this Western hub on the way to the mountains; they stay over and fall in love with it. Denver’s modern climate is marked by a growing technology sector and a completely refurbished lower downtown (LoDo) area. All the wonderful things about Denver- pro sports, outdoor adventures, extensive performing arts community, world-class airport, and a diverse menu of restaurants and shopping venues - have been enhanced dramatically in the last decade. While additions and upgrades have transformed Denver into a truly modern city, there has also been a tremendous effort to preserve the past: Historic downtown buildings have been renovated rather than wrecked. From bookstores and boutiques to parks and plays, there is an endless list of activities from which to choose. The Denver metropolitan area has about 2.1 million residents; just under 500,000 live within Denver city limits.  
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Financing Your Home >Your Financial Cushion
When you calculate how much you will need to purchase a home you will add up the down payment and closing costs. It is also a good idea to leave yourself with some financial cushion to cover the incidental expenses associated with moving.
First, you will have to pay the moving company unless you can find friends with strong backs who will help you. Then many buyers plan to do some work, such as painting, replacing carpet, or refinishing floors. If you are moving into a larger space, you may find yourself making some major furniture purchases within a few months of closing.
A financial cushion is important enough that some lenders require buyers to have an amount in the bank equivalent to two or three months mortgage payments. This is especially true for buyers who are putting less than ten percent down. Your real estate agent can give you guidance. A lot depends on your overall financial situation. If your mortgage is a relatively low percentage of your monthly income, you will be able to rebuild a comfortable amount of savings in a few months.
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| Q |
What is encroachment, and how might it affect a property owner?
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| A |
Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim. |
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