resources

Traditional loans VS AIO

This is 20% down vs 10% down on today's jumbo loans and deciphering between a front end mortgage insurance payment or monthly payments. The decision here is monthly or front end mortgage insurance, dependent upon whether or not you're going to refinance in 5 years or less.

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Congratulations! You are pre-approved for the property located in The Stables, Phase 1A, Unit #49, Breckenridge. All of your verification documents are in, and your pre-approval is contingent upon SHA approval and appraisal. Thank you for all of your hard work, Jeannette Thompson

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Pre-Approval Letter--which means they've been thru Desktop Underwriting, provided all of their verification documents and are waiting for the perfect property to appraise.

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Congratulations Emily and Mike! You are Pre-Approved for 435 Cove Blvd #3D...we are very excited to help you meet your dreams...and are very grateful for your trust in us.

Would you rather get the lowest rate? OR…Pay the least amount of interest expense?

This AIO loan is the solution to high interest expense traditional loans. Important Links: 1. Calculate Your Savings - https://www.allinoneloan.com/#calculator 2. All In One Client Testimonials - https://www.allinoneloan.com/testimonials 3. Chat with Jeannette - https://home-loans.youcanbook.me/ 4. Apply for a loan - http://www.getloanshere.com/ 5. More AIO Details - https://cloud.cmgfi.com/corp/image/upload/v1623354184/AIO/AIO_Brochure_-_Web.pdf 6. AIO Webinar Signup: https://webinar.ringcentral.com/webinar/register/WN_PVXpSxv2SyCWYZnWjD3Bvg

How Can You Pay Off Mortgage Faster with Less Interest Expense?

Are you one of those savvy investors who… 1. Refinanced into a super low rate in the last decade? 2. Worried about losing the great rate but wanting to use your equity? 3. Wondering how to purchase your next rental without paying high interest expense? 4. Considering future college expenses or retirement strategies without a solution? This is the solution to the 30-year traditional loan’s high interest expense you have. Resource Links for You: 1. Calculate Your Savings - http://www.allinoneloan.com 2. All In One Client Testimonials - https://www.allinoneloan.com/testimonials 3. Chat with Jeannette - https://home-loans.youcanbook.me/ 4. Apply for a loan - http://www.getloanshere.com/ 5. More AIO Details - https://cloud.cmgfi.com/corp/image/upload/v1623354184/AIO/AIO_Brochure_-_Web.pdf 6. AIO Webinar Signup: https://webinar.ringcentral.com/webinar/register/WN_PVXpSxv2SyCWYZnWjD3Bvg

We Have Some Exciting News For You!

All In One Loan for Real Estate Investors

This is the solution to high interest expense that is incurred on traditional mortgages. It was designed for commercial investors and can reduce the interest expense by more than 1/2 of the normal expenditure. The 2 distinguishing factors are: 1. Daily interest adjustment (to the new principal) and 2. HELOC capacity Check out the All In One (AIO) Simulator here to see how much money you can save: www.allinoneloan.com

MBS Road Signs

After the market closures Monday for the Christmas holiday, housing news highlighted last week’s calendar: Are Signed Contracts on Existing Homes Set to Rebound This Year? Home Prices Have Softened But Annual Appreciation Is Still Strong Challenges Remain for Job Seekers, Data Shows

Black Knight Home Price Data at Odds With Recent FHFA Move

Black Knight released its Mortgage Monitor report today--always a treasure trove of robust housing/mortgage-related data. Of particular interest this time around is the ongoing price declines seen in Black Knight's Home Price Index (HPI)--especially as they relate to the recent FHFA HPI data that influenced new conforming loan limits. https://www.colorefi.com/presentation/54702

A Slightly Less Gloomy Way to View Another Big Drop in Existing Home Sales

The state of the housing market in 2022 is well known by now. The sharpest rate spike in 40 years to the highest rates in 20 years combined with the overvaluation from 2 years of brutally fast appreciation to create a rapid cooling in demand and, more recently, prices.

Top 5 Reasons Why You Should Purchase Today!

Top 5 Reasons Why You Should Purchase Today: 1. Seller Paid Rate Buydowns 2. Waiting for Rate or Price Drops will bring back 3. Better selection of homes 4. No overbidding or releasing contingencies 5. Higher rates equals fewer buyers

Modernizing Your Open House

Hello, Modernizing your open house will be critical to running and pushing excellent content to potential consumers and buyers as the market shifts, and inventory builds. Each Property has its own story, from needing some " TLC " or help increasing the affordability to potential buyers in today's expensive housing market. I have combined a sample of technology I use and mixed it with content & strategies from my financing background. That enables me to help get valuable information to more buyers or agents who might be passing or thinking about stopping by your open house. ..................................................................... 4-Step Process For Your Next Open House. Step 1: Input property into Listings. Step 2 and 3: Add specific content to help educate potential buyers. ( like Total Cost Analysis videos, Virtual Tours, Agent Video with property details, Loan Program PDFs to download, etc. ) Step 4: Publish the listing, which generates its unique property site, which can be used for active listing, coming soon and etc. This would also include a link to the personal landing page. Example Property Site - https://www.colorefi.com/listing/20-teller-st-frisco-co-80443 Step 4: An Open House Flyer is automatically generated to support your next open house. ( the QR code points to your unique property site and pushes content to the potential buyers or agent's phone when scanned )

What’s Ahead for Home Prices?

As the housing market cools in response to the dramatic rise in mortgage rates, home price appreciation is cooling as well. And if you’re following along with headlines in the media, you’re probably seeing a wide range of opinions calling for everything from falling home prices to ongoing appreciation. But what’s true? What’s most likely to happen moving forward?

Should I buy a home this fall?

If you're wondering if it's the right time to buy a home, you should know you have an opportunity to grow your wealth, stabilize your expenses and benefit from more options for your home search this fall.

SELLER BUYDOWN

In today's market both sellers and buyers need to evaluate the best approach. The examples above illustrate how a simple seller credit towards the buyer's interest rate can produce significant monthly savings for the buyer. Points are deductible in the year the property is purchased for the buyer. Please consult your CPA for specific information. In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Application Volume Rises SlightlyDespite BigRate Increases

Mortgage application activity increased for the first time in six weeks during the period ended September 16 although the prior week had been shortened by a major holiday weekend. The Mortgage Bankers Association said its Market Composite Index, a measure of mortgage loan application volume, increased 3.8 percent on a seasonally adjusted basis from one week earlier. On an unadjusted basis, the Index increased 14 percent compared with the previous week. Rates are rising! To know more about our free lock and shop program, visit: http://www.buyersshoponline.com. In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Active Listing: 1933 27th Street, Greeley, CO 80634

Back on the market, through no fault of the sellers. This home is located close to everything. This open floor plan has 3 bedrooms and 1 bathroom. They have added a deck in the backyard. There are wood floors throughout. This home is contingent on the Seller's purchase, which they are currently under contract. Great affordable home. Denver MLS #: IR974312 In need to chat? Please schedule an appointment at www.chatirl.com

Active Listing: 265 Sleepy Grass Court, Fairplay, CO 80440

Stop looking, here is the perfect mountain home. This spacious 3 bed, 3 bath home is on 2.5 acres w/ privacy on a quiet cul-de-sac. Enjoy the morning sun through the wall of windows w/ views of the surrounding mountains. Inside there are 2 levels each w/ a living area, plenty of storage, rustic updates including concrete countertops, barn wood wall, & new bathroom tile. Relax on the spacious wraparound deck or cozy up by the fire pit. Foxtail Pines has a private stocked fishing pond & NF access. Summit MLS #: S1038909 In need to chat? Please schedule an appointment at www.chatirl.com

How could an I/O loan help you date the rate and marry your dream house?

How could an Interest Only loan help you date the rate and marry the house? Here is how a 30 YR fixed and a 10YR I/O looks like with today's interest rate. Rates are rising, to know more about our free lock and shop program, visit: http://www.buyersshoponline.com. In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Mortgage Application Volume, Tiny Increase in Purchase Activity Ends 5-Week Slump

Only a slight uptick in purchase mortgage applications kept all last week’s volume indicators from falling for the fifth straight time. The Mortgage Bankers Association (MBA)said its Market Composite Index, a measure of mortgage loan application volume, decreased 1.2 percent on a seasonally adjusted basis during the week ended September 9. Rates are rising next week! To know more about our free lock and shop program, visit: http://www.buyersshoponline.com. In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Active Listing: 8 Larson Lane Unit #8, Frisco, CO 80443

Sunny Frisco home walkable to Main St, next to the bike path with oversized garage and incredible storage for all of your skis, bikes and toys. Open master suite with private deck gazing at Peak One, Mt Royal, main level grill patio fenced for Summer parties and upper coffee deck viewing Buffalo. Living areas flow throughout the home…this home was designed by the architect of this neighborhood for entertaining and guests. Life is good here. ReColorado MLS #: 1776383 In need to chat? Please schedule an appointment at www.chatirl.com

Here is how a Jumbo Loan looks like in Today’s Market

Every borrower's need varies from each other which is why we have different loan products for you to choose from. Here is how a Jumbo Loan look like with today's interest rate. Rates are rising, to know more about our free lock and shop program, visit: http://www.buyersshoponline.com. In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Summit County’s New Listing Statistics

Inventory of homes for sale is now declining. Please see new listing inventory in Breckenridge, Frisco, Silverthorne...it is going down. #realestate #realestatemarket #housingmarket

Unprecedented Rate Volatility as Markets Ponder Next Big Move

It's a tremendously important and volatile time for the market and especially for interest rates. The biggest inflation surge in decades pushed rates to their highest levels in 14 years by mid June. Rates are rising, to know more about our free lock and shop program, visit: http://www.buyersshoponline.com. In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Loan Types That Suits Your Needs…

Every borrower's need varies from each other which is why we have different loan products for you to choose from. Here is how a Conventional, FHA and USDA loan products look like with today's interest rate. Rates are rising, to know more about our free lock and shop program, visit: http://www.buyersshoponline.com. In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

HL Weekly Market Video Update

Happy Weekend! Here is a Market Update for you. Additionally, we have a free lock and shop program at www.buyersshoponline.com. Let us know if you or you know someone who needs help in getting pre-approved for a home. Excited to help!

Fed Reminds Markets Why Rates Went Sharply Higher in August

While it was never likely to contain too many surprises, this week's much-anticipated Jackson Hole speech from Fed Chair Powell served as an important reminder as to why rates have risen so sharply in August. Rates are rising, to know more about our free lock and shop program, visit: http://www.buyersshoponline.com. In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Fed Reminds Markets Why Rates Went Sharply Higher in August

While it was never likely to contain too many surprises, this week's much-anticipated Jackson Hole speech from Fed Chair Powell served as an important reminder as to why rates have risen so sharply in August. Rates are rising, to know more about our free lock and shop program, visit: http://www.buyersshoponline.com. In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Should the Seller buy down the rate instead of reducing the price?

Should the Seller buy down the rate instead of reducing the price? In this case...yes! Every transaction is different, but in this case, look what $20,000 gets you! In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Should the Seller buy down the rate instead of reducing the price?

Should the Seller buy down the rate instead of reducing the price? In this case...yes! Every transaction is different, but in this case, look what $20,000 gets you! In addition...check out our Pre-Approval Presentation here: https://jeannettethompson.lenderlaunchpad.com/presentation/42702 We are your Competitive Edge when making offers.

Daily Rate: August 29th, 2022

Your Daily Rate Update! To know more about our free lock and shop program, visit: www.buyersshoponline.com

Did the Home of Your Dreams Just Come onto the Market?

The supply of homes for sale has been increasing, and that gives you a better chance of finding the home of your dreams. We have a free lock and shop program at buyersshoponline.com. Let's connect today so you can start exploring homes in our local market.

HL Weekly Market Video Update

Happy weekend! Here is a Market Update for you. Additionally, we have a free lock and shop program at www.buyersshoponline.com. Let me know if you or you know someone who needs help in getting prequalified for a loan. Excited to help!

Active Listing: 3608 Haven Court, Fort Collins, CO 80526

This is a great 2 story home that is located close to everything. It has 3 bedrooms, 3 bathrooms with a 2 car attached garage located in a cul-de-sac. It has new carpet and paint throughout. The garage door is new and with a full priced offer, the seller is willing to give a concession for the damaged doors upstairs. This is a go and show. IRES MLS #: 973888 In need to chat? Please schedule an appointment at www.chatirl.com

Active Listing: 407 30th Ave Ct Greeley, CO 80634

WOW!!! Come see this Greatly remodeled 5 bedroom 2 bath home in Greeley. New Paint (inside and out), New LVP floors throughout. New Carpet, Tile, Trim, Doors, hardware, and fixtures!...just about everything is new! Kitchen...New, with 40" easy close upper, and lower cabinets and Quartz Countertops, (Quartz countertop in upstairs bath to match)! New Stainless steel appliances with refrigerator included, lower bathroom has heated floors! Epoxy floors in the utility room and garage for easy maintenance . Landscaped, with sprinkler system and fully fenced in yard with mature landscaping of course! AC Unit...Yes! Tesla Solar Panels... 31 units that are paid in full and have a warranty for 10+ yrs. IRES MLS #: 973813 In need to chat? Please schedule an appointment at http://www.chatirl.com

3 Tips for Buying a Home Today

Strategically planning your home search by understanding today’s mortgage rates, casting a wide net, and building a team of experts can be the keys to finding the home of your dreams. To make sure you have expert advice each step of the way, let’s connect.

Planning To Retire? Your Equity Can Help You Reach Your Goal.

Retirement is a big step and so is buying or selling a home. As you move into this new phase of life, let’s connect so you have an expert to guide you through the process as you sell your current home and give you expert advice as you buy one that’ll better suit your needs.

Experts Increase 2022 Home Price Projections

If you’re worried home prices are going to decline, rest assured many experts raised their forecasts to say they’ll continue to appreciate in most markets this year. If you have questions about what’s happening with home prices in our local area, let’s connect.

What Would a Recession Mean for the Housing Market?

There’s no doubt everyone remembers what happened in the housing market in 2008. But you don’t need to fear the word recession if you’re planning to buy or sell a home. According to historical data, in most recessions, home price gains have stayed strong, and mortgage rates have declined.

The U.S. Homeownership Rate Is Growing

The U.S. homeownership rate is growing. If you’re ready to purchase the home of your dreams, let’s connect so you can begin the homebuying process today.

Why Experts Say the Housing Market Won’t

Some highlights from the above PDF. *Many people remember the housing crash in 2008, but experts say today’s market is fundamentally different in many ways. *First, there isn’t an oversupply of homes for sale today. Plus, lending standards are much tighter, and homeowners have record levels of equity. That means signs say there won’t be a wave of foreclosures like the last time. If you have questions about the housing market, let’s connect.

Active Listing: 285 Davis Court, Blue River, CO 80424

Highly Desired Location in Blue River, with Short Term Rentals permitted! 5 min to Main Street. Recently updated cabin is wrapped w/ aspens & pines. 5 beds, 3 baths, and a bonus room. Master features a marble shower & jacuzzi tub. Radiant heat and new stainless appliances. Game room, wet bar, and 6 person hot tub and sauna on site. 2 decks w/ natural gas BBQ and fire pit. Heated 2 car garage with plenty of storage for all your toys! Hiking, bike trails & streams just outside your front door. Summit MLS #: S1036545

Active Listing: 220 Davis Court, Blue River, CO 80424

Incredible Blue River Home with Short Term Potential! With vaulted ceilings, mountain views, and plenty of room for family or guests, this secluded home offers quick access to downtown Breckenridge and the ski resort. Hot tub and sauna on site. Seasonal, flowing mountain stream on property out your back door! This is the perfect opportunity for an investor or second home buyer in Blue River. Summit MLS #: S1036778

Active Listing: 806 Illinois Street Unit #4, Golden, CO 80401

Fantastic townhome in the heart of the prized Downtown Golden neighborhood! This bright and open unit lives large with a sparkling kitchen open to the generous living and dining areas in an ideal setting for entertaining. The upper level offers a lovely primary suite featuring an updated full bathroom, plus an additional bedroom with serene Castle Rock views and an adjacent 3/4 bath. This exceptional unit additionally boasts new Andersen windows with quality coverings, hardwood flooring and new carpet, a cozy fireplace, double closets in the bedrooms, in-unit laundry with the washer and dryer conveniently included, a private patio, a brand new hot water heater, a newer roof, two coveted off-street parking spots, and a large basement for ample storage, or utilize all that bonus space and existing egress window to finish to your heart’s desire! Units in the desirable Sunlite community are extremely rare to the market, and with its peaceful, secluded location with a beautiful community greenspace, and incredible proximity to Clear Creek, Golden Community Center, Colorado School of Mines, and all the stellar shops, dining, breweries, and entertainment popular Downtown Golden has to offer, it’s not hard to see why. Don’t miss this tremendous opportunity to own amongst all the breathtaking scenery, fresh mountain air, and exciting amenities and recreation this treasured area of Golden has to offer… it’s as good as gold!

What Does the Rest of the Year Hold for Home Prices?

If you’re thinking of making a move, you shouldn’t wait for prices to fall. Experts say nationally, prices will continue to appreciate this year, just at a more moderate pace. When you’re ready to begin the process of buying or selling, let’s connect so you have a local market expert on your side each step of the way.

Is the Shifting Market a Challenge or an Opportunity for Homebuyers?

If you’re still looking to make a move, it may be time to pick your home search back up today. Let’s connect to kick off the homebuying process.

Selling Your House? Your Asking Price Matters More Now Than Ever…

Homes priced right are selling quickly in today’s real estate market. Let’s connect to make sure you price your house based on current market conditions so you can maximize your sales potential and minimize your hassle in a shifting market.

Why the Forbearance Program Changed the Housing Market

hen the pandemic hit in 2020, many experts thought the housing market would crash. They feared job loss and economic uncertainty would lead to a wave of foreclosures similar to when the housing bubble burst over a decade ago. Thankfully, the forbearance program changed that. It provided much-needed relief for homeowners so a foreclosure crisis wouldn’t happen again. Here’s why forbearance worked.

Lock your rate for FREE NOW and then find your next home!

Rates are on the rise and so still...is home appreciation. Lock and shop to secure your rate before the next Fed meeting.

Buying a Home May Make More Financial Sense Than Renting One

If you’re trying to decide whether to keep renting or buy a home, let’s connect to explore your options. With home equity and a shield against inflation on the line, it may make more sense to buy a home if you’re able to.

3 Graphs To Show This Isn’t a Housing Bubble

If you’re worried we’re making the same mistakes that led to the housing crash, the graphs above should help alleviate your concerns. Concrete data and expert insights clearly show why this is nothing like the last time.

Why Are People Moving Today?

There are many reasons why people decide to move. No matter what the reason may be, if your needs have changed, let’s connect to discuss your options in today’s housing market.

The Real Reason Mortgage Rates Are Dropping at a Record Pace

Friday, July 29th Rate Update

Want To Buy a Home? Now May Be the Time.

The number of homes for sale across the country is growing, and that means more options for those thinking about buying a home. This is the opportunity many have been waiting for who were outbid or out priced last year.

A Window of Opportunity for Homebuyers

The housing market is undergoing a shift because of higher mortgage rates, but the market is still strong. If you’ve been looking to buy a home over the last couple of years and it felt impossible to do, now may be your opportunity. Buying a home right now isn’t easy, but there is more opportunity for those who are looking.

What’s Causing Ongoing Home Price Appreciation?

Based on today’s factors driving supply and demand, experts project home price appreciation will continue. It’ll just happen at a more moderate pace as the housing market continues its shift back toward pre-pandemic levels.

The Power Of An Extra Payment!

Here are some financing options to payoff the loan much sooner by doing some reinvestment strategies.

Financing Options for Your Clients

Here are some financing options for your clients based on today's rate. You can see that a rate buy down saves several $/month.

Existing Home Inventory UP Year-Over-Year For The First Time in 3 Years

The National Association of Realtors (NAR) reported that June saw the 5th consecutive monthly decline in Existing Home Sales today. The annual pace of salescame in at 5.12 million, well short of the consensus(5.38m) and 5.4% lower than May's 5.41m reading. Continue to read this article in the above PDF.

Active Listing: 4243 W 15th St Ln, Greeley, CO 80634

No HOA in Country Club! 3 bedrooms, 4 bathrooms on a corner lot. Primary and 2nd bedroom upstairs, balcony and 3rd in basement. It wouldn't be hard to turn the dining room into a main floor bedroom. Wood burning fireplace in main floor family room, office and living room on the main.

What The Housing Market Correction Means For Home Buyers

The real estate market finally appears to be cooling off. There is more inventory on the market, and we’ve started to see some sellers reduce their prices. Buyers have some negotiation power again, which is a big deal since buyers have had none for the last two years. If you’re in the market to purchase a home, what exactly does the housing market price correction mean for you? Well, maybe not as much as you’d hoped for. Let’s discuss.

Should I Buy a Home Right Now?

If you’re ready to become a homeowner, know that buying today can set you up for long-term success as your asset’s value (and your own net worth) is projected to grow with the ongoing home price appreciation. Let’s connect to begin your homebuying process today.

Expert Housing Market Forecasts for the Second Half of the Year

Whether you’re a homebuyer or seller, you need to know what’s happening in the housing market, so you can make the most informed decision possible. Let’s connect to discuss your goals and what lies ahead, so you can determine the best plan for your move. Continue this read in the above PDF.

The Drop in Mortgage Rates Brings Good News for Homebuyers

If your home doesn’t meet your needs, this may be the opportunity you’ve been waiting for. Let’s connect to see how you can benefit from the current drop in mortgage rates. Continue this read in the above PDF.

Active Listing: 1435 Kingsbury Court, Golden, CO 80401

Amazing mid century modern home on over a 1/3 acre in Golden! Completely remodeled with a classic mid-mod brick wall with fireplace! Gorgeous kitchen with quartz counters and stainless steel appliances. Beautiful refinished hardwood floors throughout. Large sunroom looking out into your forest-like backyard, and enjoy the private back deck. Spacious primary bedroom with en suite bathroom has mountain views. Live in this quiet neighborhood with quick access to the mountains, Downtown, shopping and restaurants. Water heater, furnace, and AC are all new within the last 5 years. Yard has an invisible fence already installed for your pets, and HVAC servicing and summer lawn care service for aeration and weed control are purchased and transferable to the new buyer.

What Does an Economic Slowdown Mean for the Housing Market?

Concerns of a recession are rising. As the economy slows down, history tells us this would likely mean lower mortgage rates for those looking to refinance or buy a home. While no one knows exactly what the future holds, you can make the right decision for you by working with a trusted real estate professional to get expert advice on what’s happening in the housing market and what that means for your homeownership goals. Continue this read in the above PDF.

How Your Equity Can Grow over Time

If you’re thinking about selling your house and making a move, home equity can be a real game-changer, especially if you’ve been in your current home for a while. If you’re ready to find out how much equity you have, let’s connect.

Real Estate Consistently Voted Best Investment

Some Highlights From The Above PDF: *Based on a recent Gallup poll, real estate has been rated the best long-term investment for nine years in a row. *Owning real estate is more than just a place to call home. It’s also an investment in your future. That’s because it’s typically a stable and secure asset that can grow in value over time. If you’re ready to buy a home and invest in your future, let’s connect.

Homeownership Could Be in Reach with Down Payment Assistance Programs

Down payment assistance programs have helped many homebuyers achieve their dreams, and if you qualify, they could help you too. Let’s connect today so you can begin exploring your options.

A Key Opportunity for Homebuyers

As the housing market begins its shift back toward pre-pandemic levels, you could have a unique opportunity in front of you. With moderating levels of buyer competition and more homes actively for sale, your home search may have gotten a bit less challenging. Let’s connect to begin the process today.

Two Reasons Why Today’s Housing Market Isn’t a Bubble

Where not in a housing bubble and here is why...

Planning on Moving?? Your Home Equity will help!

Wondering if you should buy a home today? Experts say home prices will continue to appreciate in the coming years. If you buy now, you’ll beat those future increases. And once you do own the home, any price appreciation that occurs will grow your home’s value and your net worth. Let's get you pre-approved on your next home!

Don’t Trust This Week’s Mortgage Rate Headlines! (Except This One)

Without a shadow of a doubt, the average lender's mortgage rates are noticeably higher this week versus last week, with Friday being the worst of the bunch. Despite that fact, there were multiple news stories this week regarding a massive DROP in rates. What's up with that? Before we continue, you may wonder who you can trust if you're getting two entirely different stories. Thankfully, you can trust both stories! The one about lower rates simply needs some qualification. Continue this read in the above PDF

Active Listing: 833 Independence Drive, Longmont, CO 80504

Welcome to the sought-after neighborhood of Park Ridge! This updated home is move-in ready and has everything you are looking for. The welcoming and open main floor with wood burning stove flows into the updated kitchen with new cabinets, concrete countertops, and newer appliances. The practical floorplan has three generous-sized rooms upstairs plus a large bedroom/flex space on the main level that also makes a great office. Both bathrooms have been renovated. The large fenced-in yard has amazing outdoor living spaces - With great landscaping, and garden beds. The garage features ample work space and electrical. Backed to a greenbelt, this home is centrally located near community parks, golf courses, and nature areas. Get to Downtown Longmont for great local dining and entertainment quickly, and it’s just a short drive to I-25 and Diagonal Highway for any commutes!

Just Listed: 207 Back Nine Drive, Castle Pines, CO 80108

Why Does Everyone Want to Live in Castle Pines? The Prestige, the Small Town Feel and Big City Amenities, and ease of access to a perfect Southwest Metro Location. This beautiful, luxuriously upgraded home (with more than $75K in recent upgrades) is located on a premier lot in the quiet neighborhood of Castle Valley and is ready to welcome you home. The lovely foyer welcomes you and leads to an elegant formal study with French doors. The open floor plan has an oversized family room with a gas fireplace, and a stunning eat-in chef's kitchen with a slab granite island, upgraded cabinetry, stainless appliances custom backsplash, and a walk-in pantry. The main floor has a pocket office and mudroom just off the three-car tandem garage. The master bedroom is very luxurious with a coffered ceiling and luxury en-suite bath with dual slab granite vanity, Roman soaking tub, tiled shower, and a generous walk-in closet. Upstairs there are 3 additional bedrooms all with private bath access via en-suite or Jack-N-Jill. The newly finished basement offers game and entertainment, work, study, and guest room space with a fifth bedroom and full bath. Outdoor entertaining is effortless on your stamped concrete back patio overlooking full landscaping and easy access to a neighborhood cul-de-sac. Pride of ownership and meticulously maintained -- this home is more than move-in ready!

Active Listing: 1300 Golden Circle Unit #309 Golden, CO 80401

Delightful 3rd floor condo unit with stellar mountain views in Golden. This hidden gem boasts new hardwood floors, new interior paint, new lighting, and a cozy wood burning fireplace with surrounding stone; a very functional layout with an open concept feel. Living room opens to dining room followed by the kitchen. Conveniently located laundry closet fits stackable washer/dryer. First bedroom fits king size bed connecting to full bath. Second bedroom is also spacious. The unit is situated on a quiet...

Lock your rate NOW and then find your next home!

Rates are on the rise and so still...is home appreciation. Lock and shop to secure your rate before the next Fed meeting.

Pending Homes Sales Are On The Rise

For the first time in six months, Colorado home sales have increased – not by much, but it is an indicator that we could be headed back to a more balanced market. Nationally, home sales rose .7%, which isn’t much, but that’s a lot more than was expected. Experts predicted that pending home sales would decline month over month, but that did not happen. So what’s causing this increase in pending home sales? Let’s take a look, in the above PDF!

Active Listing: 5938 Dunraven Way Golden, CO 80403

NORTH TABLE MOUNTAIN GEM! UPDATES THROUGHOUT WITH BRAND NEW CARPET, PAINT, ROOF, SIDING AND MORE! BREATHTAKING NORTH TABLE MOUNTAIN NEIGHBORHOOD! DESIRABLE OPEN FLOORPLAN, VAULTED CEILINGS AND TONS OF NATURAL LIGHT!BEAUTIFUL KITCHEN WITH ISLAND AND GRANITE COUNTERTOPS! DUAL LIVING AREAS AND NEWLY FINISHED HARDWOOD FLOORS! OVERSIZE PRIMARY SUITE WITH FIVE PIECE BATH! ALL BEDROOMS ON THE UPPER LEVEL! UNFINISHED WALKOUT BASEMENT READY FOR YOUR DREAM FINISH AND NO ONE BEHIND YOU! CUL DE SAC LOCATION FOR ADDED PRIVACY, THIS HOME HAS IT ALL! MOUNTAIN VIEWS AT EVERY TURN AND A LOCATION THAT AFFORDS EASY ACCESS TO ALL MAJOR ARTERIALS AND OUR GREAT COLORADO OUTDOOR OFFERINGS! COME SEE, YOU WILL NOT BE DISAPPOINTED HERE!

Reverse Mortgage Loan

If you’re aged 62 or above, you may qualify for a reverse mortgage in Colorado. A reverse mortgage is an excellent option for seniors whose primary asset is their home. There are a lot of misconceptions about what a reverse mortgage is, so let’s look at what a reverse mortgage is and how it can help keep you comfortable through your retirement years. Continue this read in the above PDF.

No W-2 Loans

Freelance and contract work have grown in popularity in recent years. While it is a great way to create a more flexible schedule that allows more time for family and friends, it does complicate the process of getting a home loan. Continue this read in the above PDF.

Equitable Housing Finance Plan

In an attempt to promote equity and increase sustainable homeownership and rental opportunities for traditionally underserved Black and Latino communities across the nation, Freddie Mac introduced the Equitable Housing Finance Plan on June 8th. This plan was created upon the request of the Federal Housing Finance Agency.

Luxury Home Financing

If you’d like more information on buying a luxury home in Colorado, we are here to help you through every step of the process. Give us a call today.

Active Listing: 366 Spring Beauty Drive, Silverthorne, CO 80498

Do not miss this half-acre property backing to White River National Forest with protected southern views to Keystone, Lake Dillon, Breckenridge, Peak 1, and beyond... With endless marked & maintained hiking/biking trails accessible from your gated back deck alongside your covered outdoor hot tub, this is the quintessential mountain home. Featuring an indoor sauna, oversized 2-car garage, 3 wet bars, built-in humidifier, and new roof in 2021. Enjoy mountain living at its finest!!

Active Listing: 6024 Benton Street, Arvada, CO 80003

**LIMITED OPPORTUNITY BUILDER INCENTIVE! NEXT 5 BUYERS UNDER CONTRACT TO RECEIVE FINANCING INCENTIVE, 6 KW SOLAR SYSTEM, AND WINDOW COVERING PACKAGE ALL PAID FOR BY BUILDER!!**(or cash equivalent in closing cost or reduction in down payment as lender allows)** Gorgeous & Modern! Single Detached Homes that are BRAND NEW in the perfect Arvada location! Delivering by End of 2022. Go 8 minutes South to the lively Tennyson Street Cultural District or 7 minutes West to quaint and blooming Olde Town Arvada. These homes boast tasteful finishes and timeless design. Appreciate the Colorado winters by the fireplace in the comfort of your home & the summer sun on your balcony just off the living space. This neighborhood affords owners the enjoyment of a beautifully landscaped community without the hassle. The reasonably priced HOA covers the maintenance including mowing, snow removal, and drive aisle. Entry level features 2 car garage, bedroom or private study, plus 3/4 bath. Upstairs you'll find your main floor presented as Great Room perfect for entertaining. The generous sized Living Room is situated next to your balcony and features the electric fireplace, which opens up into the dining area and eat-in kitchen that allows the chef or bartender extraordinaire to continue mingling while enjoying time with guests as they work their magic. Kitchen includes stainless steel appliances, quartz counters, an island with breakfast bar, soft close drawers, plus a pantry. Upstairs are two additional bedrooms - both suited with walk-in closets! The larger primary bedroom is accompanied by a 3/4 bath and the secondary bedroom has a tub/shower. Homes are near Clear Creek Trail, within a 5 minute walk to the Sheridan Station G-Line (which has 8 stops total, including Union Station in Downtown Denver (17 mins), and a QUICK lift to Olde Town. Don't miss out on this limited opportunity!

Price Drop: 0180 Tennis Club ROAD Unit #1647, KEYSTONE, CO 80435

TOP FLOOR 3BD condo w/completely updated kitchen creating a beautiful open floor plan, perfect for gathering w/family & friends! Floor to ceiling windows allow for all day southern exposure.Living/Dining/Kitchen is inviting & fresh w/new furnishings & paint, gas fireplace & vaulted ceilings.Enjoy mountain & south facing views from private deck.Property is adjacent to national forest w/hiking & biking trails only moments from door.Private washer/dryer.Close to bus stop & only minutes to ski area.

No, It’s Not a Bad Time To Invest In Real Estate

We’ve had many potential borrowers reach out to us to ask if they should postpone their home purchase. We get it – the recent news of inflation, recession, high home values, and rising interest rates make it sound like buying a home is not a good idea right now. Here’s the thing, though, real estate is a long-term game. There’s never a wrong time to invest in real estate if you take a calculated approach. Understanding today’s market and looking at future projections will go a long way and help you succeed in your real estate investment endeavors. Continue this read in the above PDF.

Just Listed: 12544 E Cornell Avenue Unit #104

Enjoy this well-maintained and updated ground-level condo in sought-after Spinnaker Run. A perfect starter home or investment property. Great location near Parker and I-225 light rail station. Close to Cherry Creek Reservoir. This home offers new hardwood floors, new paint, newer carpet, and new bathroom vanity and fixtures. A washer and dryer are included in the unit with ample storage in the laundry room and a sizeable pantry in the kitchen. Enjoy cozy evenings by the wood-burning fireplace in the living room. Lovely patio to enjoy outdoor dining overlooking a lush greenbelt. Spinnaker Run offers resort-style living with a pool, clubhouse, and tennis courts while being close to shopping, dining, and many bike and walking trails. A low HOA for the price range in a great location.

Homeownership Is a Great Hedge Against the Impact of Rising Inflation

If you’ve been thinking about buying a home this year, it makes sense to act soon, even with inflation rising. That way you can stabilize your monthly housing cost and invest in an asset that historically outperforms inflation. If you’re ready to get started, let’s connect so you have expert advice on your specific situation when you’re ready to buy a home.

Things To Avoid After Applying for a Home Loan

You want your home purchase to go as smoothly as possible. Remember, before you make any large purchases, move your money around, or make any major life changes, be sure to consult your lender – someone who’s qualified to explain how your financial decisions may impact your home loan.

The Average Homeowner Gained $64K in Equity over the Past Year

If you’re planning to make a move, the equity you’ve gained can make a big impact. To find out just how much equity you have in your current home and how you can use it to fuel your next purchase, let’s connect so you can get a professional equity assessment report on your house.

Why Achieving the Dream of Homeownership Can Be More Difficult for Some Americans

Opportunities in real estate improve every day, but there are still equity challenges that many face. Let’s connect to make sure you have an advocate on your side to help you achieve your dream of homeownership.

Home Price Deceleration Doesn’t Mean Home Price Depreciation

Experts forecast price deceleration, not depreciation. That means home prices will continue to rise, just at a slower pace. Let’s connect so you can get the full picture of what’s happening with home prices in our local market and to discuss your buying and selling goals.

Is the Housing Market Correcting?

If recent headlines are generating any concerns, look at a more typical year for perspective. The current market is not a crash or correction. It’s just a turning point toward more typical, pre-pandemic levels. Let’s connect if you have any questions about our local market and what it means for you when you buy or sell this year.

A Consumer Price Index Update!

The last two rate hikes did not affect inflation... Therefore we will be getting more mortgage rate hikes. The problem right now is inflation... We are at about 8.6% inflation right now and our sustainable inflation rate is 2%. So yes, we need three more rate hikes, but don't worry we will be ok! Let's chat and talk about how we can move positively forward through these rate hikes. The last two rate hikes did not affect inflation... Therefore we will be getting more mortgage rate hikes. The problem right now is inflation... We are at about 8.6% inflation right now and our sustainable inflation rate is 2%. So yes, we need three more rate hikes, but don't worry we will be ok! Let's chat and talk about how we can move positively forward through these rate hikes.

If I want to pay off my mortgage faster…

We Are Your Competitive Edge! We believe that life is better with a plan. We listen to you...we ask you about your short term goals and long term goals and strategize a plan to design your financing around them. If you are looking to pay your mortgage off faster, kindly check out some examples of what we can do for you in the above presentation. Our Core Values: We care about making a difference in people’s lives. We care about listening, learning and Mortgage Planning with purpose. We believe that Life is better with a plan.

What Types Of Loans Are Available If I Have Bad Credit?

Even if you don’t have perfect credit, we would love to have the opportunity to discuss your real estate goals with you. Also, keep in mind that if you are worried about having to pay higher interest rates due to your low credit, you could always get into a home, work on raising your score and then refinance to get lower rates when you’re able. Continue this read in the above PDF.

Foreign National Loans

If you’d like more information about obtaining a Foreign National Loan in Colorado, give Home Loans a call. We will go over the process in detail to help you decide if this is the right loan program for you to use to purchase a vacation home in Colorado.

No Tax Return Mortgage

Not having a tax return does not mean you can’t become a homeowner. You have options! Let’s look at how you can purchase or refinance a home without a tax return. Continue this read in the above PDF.

What Is a Remodel Loan and will it work for you?

Is your home in need of an update? Whether you’re hoping to update a room for cosmetic purposes, or your home is in need of expensive repairs, the cost can be more than you have laying around. If that’s the case, you’ll be happy to know that you can get a remodel loan to cover the expenses. Continue this read in the above PDF.

Bank Statement Loans

Getting a mortgage when you’re self-employed used to be a huge challenge. Today, we’ve simplified the process and can get you approved for a home mortgage using bank statements. This way, you won’t have to show pay stubs or tax information to get qualified. However, there are still some hurdles you will need to jump over to be qualified, let’s look at the requirements. Continue this read in the above PDF.

Housing Inventory: “Severe, Accelerating, Chronic Shortages in Every Market, in Every Price Range”

The authors cite 7 key reasons for the trend in the above PDF: 1. Increased informational efficiency - It's easier than ever to shop for and find homes. 2. Accommodating fiscal policy- Rates spent longer than ever at lower-than-ever levels. Owners who refi'd at these rates have little incentive to give up their mortgages. 3. Remote Work - Everyone moved to the suburbs! 4. Institutional Investors- Housing has been a fashionable investment on Wall St and these institutional investors account for a significant amount of demand--especially in the lower price tiers. 5. Restrictive Zoning - Certain metros have rules that prevent higher density housing, thus increasing demand for single family homes. 6. Supply Chain - Land, labor, and material shortages only hurt housing availability further. 7. Rooted Sellers- See number 2 above, but also consider that a starved inventory situation only creates an additional reason for sellers to stay put.

More Americans Choose Real Estate as the Best Investment Than Ever Before.

Buying a home is a powerful decision. It’s no wonder why so many people view it as the best long-term investment, even when inflation is high. When you buy, you help shield yourself from increases in your housing costs and you own an asset that typically gains value with time. If you want to better understand how buying a home could be a great investment for you, let’s connect today.

The Top Reasons To Own Your Home

Some Highlights for the above PDF... 1. June is National Homeownership Month, and it’s a great time to consider the benefits of owning your own home. 2. If you’re considering homeownership, know that it can give you privacy, comfort, and a place to express yourself. It can also provide financial stability and help you grow your net worth. 3. Are you ready to experience all the great benefits that come from purchasing a home? Let’s connect to begin the process today.

Luxury Homes Are in High Demand!

If you own a luxury home and want to know how strong demand is in your area, let’s connect so you can capitalize on current market conditions while buyer demand for upscale homes is so high.

What Are the Best Options for Today’s First-Time Homebuyers?

If you’re serious about purchasing your first home this year, revisiting your wish list and desired location can help. Let’s connect to explore all the options in our local market – and beyond – so you can achieve your homeownership dreams.

Why the Growing Number of Homes for Sale Is Good for Your Move Up?

If you’re a current homeowner looking to sell, let’s connect to begin the process. You have a unique opportunity to benefit from the additional homes being listed today and sell before your house has more competition.

Why You Need an Expert To Determine the Right Price for Your House

If you’re thinking about selling, pricing your house appropriately is key. Let’s connect to make sure your house is priced right for the local market, for your home’s condition, and to stand out from the competition.

Just Listed: 940 Kimbark Street. Unit B, Longmont , CO 80501

Welcome to your new home in Longmont, Colorado! This 2 bedroom, 2 bathroom town-home style unit is near everything that Boulder County has to offer. Local amenities, like hiking & biking trials, Athletic Field Park, and Downtown Longmont are close by for your convenience. Plenty of open space is directly across the street for your pets. The unit features an oversized one-car garage that is ready to store and organize all of your outdoor Colorado equipment. Stairs from the entry way lead up to the main floor where you are greeted by the kitchen featuring a full set of stainless steel appliances and room for in kitchen seating. The living room features beautiful exposed glulam beams throughout the main floor plan. The unit features abundant natural light throughout. A main floor bedroom with glass french doors is just off of the kitchen. This bedroom would also work well as a private work from home space. The main floor bathroom, with shower, also connects to the bedroom. The primary bedroom suite is located on the third floor. Matching closets are located in the bedroom. A stack-able washer/dryer unit is neatly tucked into the hallway to the bathroom. The bathroom features soaking tub and glass door shower. The primary suite is completed by a private balcony. This home is a complete base camp for your Boulder County lifestyle. Come and take a look at the move-in-ready town-home!

We do it better! Let us show you how!

We believe that Life is better with a plan… Our Core Values: We care about making a difference in people’s lives. We care about listening, learning and Mortgage Planning with purpose. We believe that Life is better with a plan.

Here’s what we DO!

We believe that Life is better with a plan... There are 3 types of lenders: Banks—who have one box you fit into Brokers —Order takers who have lots of boxes for you to fit into and don’t have the education to council on which suits other financial needs Mortgage Planners…We build the box around YOU We designing your Mortgage Plan around your dreams and financial future... Our value system is as follows: We care about making a difference in our Client's lives. We care about listening, learning and Mortgage Planning with purpose. We believe that Life is better with a plan.

Is a Recession Coming and What Should You Do About It?

Inflation is on everyone’s mind – we are all feeling a strain in our bank accounts and are hoping for some relief.

Just Listed: 6745 Remington Road, Como, CO 80432

Freshly remodeled home situated on 5 acres to take in the views. This mountain modern design was selectively placed for privacy with new deck, RV parking pad w/ power, and level area to build a garage in the future. The home features an open concept kitchen leading to the dining room with a wall of windows to take in the views, expansive primary suite on the main level, family media room upstairs, large mudroom & storage. All new floors with radiant heat, soaker tub, and fresh paint throughout.

History Proves Recession Doesn’t Equal a Housing Crisis!

Some Highlights From The Above PDF: 1. It’s important to understand history proves an economic slowdown does not equal a housing crisis. 2. In 4 of the last 6 recessions, home prices actually appreciated. Home prices only fell twice – minimally in the early 90s and then by nearly 20% during the housing crash in 2008. 3. If you have questions, let’s connect to discuss why today’s housing market is nothing like 2008.

How Homeownership Impacts You

Homeownership is truly a way to find greater satisfaction and happiness and to build financial freedom. If National Homeownership Month has you dreaming about purchasing a home, then let’s connect to begin the process today.

Why Home Loans Today Aren’t What They Were in the Past

In 2006, lending standards were much more relaxed with little evaluation done to measure a borrower’s potential to repay their loan. Today, standards are tighter, and the risk is reduced for both lenders and borrowers. These are two very different housing markets, and today is nothing like the last time.

What Does the Rest of the Year Hold for the Housing Market?

Whether you’re a homebuyer or seller, you need to know what’s happening in the housing market, so you can make the most informed decision possible. Let’s connect to discuss your goals and what lies ahead, so you can pick your best time to make a move.

Colorado Land Loan

Here in Colorado, we are lucky to have some of the most beautiful landscapes in the entire world. If your dream is to own some of that land and eventually build your dream home on it, we can help.

Loans for First Time Home Buyers

Buying your first home is a huge deal, with many important decisions. You’ve probably thought about what neighborhood you’d prefer, how many bedrooms you need, and so forth. But, have you thought about which type of financing would be best for you? Check out the above PDF on financing options that could work for you!

Price Reduction VS Seller Buy-Down

Check out this video to the right on more information on price reduction vs seller buy-down on our Total Cost Analysis here. With rates going down and the market slowing down sellers are having price reductions.

Discount Points… Are They Worth It?

With Colorado home values and interest rates increasing, home buyers are looking for ways to save money any way they can. An attractive option for many homebuyers is buying discount points, also called “buying down the loan.” When doing this, the buyer will pay an upfront fee in order to lower their interest rate over the length of the loan. Is the additional cash upfront worth having a lower interest rate? Let’s take a closer look at what discount points are and if they’re a good idea for you.

Just Listed: 1045 N Pennsylvania Street Unit #502. Denver, CO 80203

Live and play in the heart of Denver! This efficient and spacious one bedroom, one bathroom condo has beautiful finishes throughout, lots of closet and storage space and prime location. Relax in the community garden area and enjoy the sunny Colorado days. Don't stress about parking, this condo comes with it's own assigned off-street parking spot. Plus, this condo is walking distance to the best local restaurants & bars, parks, museums, Trader Joe's, Denver Health, public transportation and the Cherry Creek trail. Don't miss this opportunity to own this beautifully maintained condo in the highly desirable Capitol Hill!

Big Shift in Housing Numbers. Scary or Welcome?

Rates... They're always changing, but we got you covered with all the info you need to know!

Have Rates Finally Turned a Corner?

Rates... They're always changing, but we got you covered with all the info you need to know!

Lowest Rates in More Than a Month

Rates... They're always changing, but we got you covered with all the info you need to know!

Mortgage Rates Moving Up to Start New Week!

Rates... They're always changing, but we got you covered with all the info you need to know!

Mortgage Rates Fall to 3-Week Lows

Rates... They're always changing, but we got you covered with all the info you need to know!

Rates Started Higher, But Recovered by The Afternoon

Rates... They're always changing, but we got you covered with all the info you need to know!

Bright Days Are Ahead When You Move Up This Summer!

Some highlights from the above PDF. *Warmer weather and longer days mean summer is almost here. Celebrate by upgrading to the home of your dreams so you can enjoy all the season has to offer. *When you list your house, you can capitalize on today’s sellers’ market to fuel your upgrade. Then, you can move to a home with the features you want, like space to entertain or rooms for work and play. *If you’re ready to upgrade to a home that matches your changing needs, let’s connect.

Summer Is a Great Time To Buy a Vacation Home, and here is why!

Owning a vacation home is an investment in your future and your lifestyle. If this is one of your goals this year, you still have time to buy and enjoy spending the summer in your vacation home. When you’re ready to get started, let’s connect.

How Buying or Selling a Home Benefits the Economy and Your Community

Homebuyers and sellers are economic drivers in their community and beyond. Let’s connect so you have a trusted real estate advisor on your side if you’re ready to get started. It won’t just change your life; it’ll make a powerful impact on your entire community.

Home Loans For Colorado Doctors

Being approved for a mortgage can be difficult for those in the medical profession since doctors and dentists often have difficulty meeting the standard underwriting requirements. Even though they tend to receive high salaries, they also have higher debt-to-income ratios thanks to student loan balances and a lack of savings to use toward a down payment which disqualifies them from a conventional loan. If you're a physician in Colorado, did you know that there is a mortgage loan specifically for doctors? It may be the key to getting into a home of your own.

Are you a teacher? Let us help you get all the benefits you deserve in a loan!

Teachers deserve the entire world. They work so hard and don’t get the recognition – or pay – they should. Since it is no secret that teachers don’t get a huge salary, making it difficult for them to purchase a home. Fortunately, there is some help available. Colorado teachers may qualify for various home loan programs which help make home buying easier.

If you are thinking about buying a home… DON’T WAIT!

If you are thinking about buying a home... DON'T WAIT! Home prices are increasing, and the Feds plan on raising mortgage rates a FIVE more times... What we know... 1. Home prices are RISING 2. Rates are RISING So secure your home now, for a lower price and rate! We've Got You Covered! Simply give us a call!

Your Total Cost Analysis!

Just Listed: 1060 Washington Street Unit# 302, Denver, CO 80203

Come home to vibrant style and luminous natural light in this Capitol Hill corner penthouse. A bright living room awaits with generous charm, including coved ceilings above — painted a deep blue for depth and intrigue — and warm hardwood floors below. A picture window effuses the space with natural light that illuminates classic detail, such as arched entryways and wooden trim. With windows on two sides, the dining area is a cozy retreat with built-ins and vintage character. Gorgeous tiling unfolds in the kitchen, where custom pullouts, stone counters and under-cabinet lighting provide ample space for meal preparation. The bedroom of this home is another light-filled oasis perfect for rejuvenation. The home’s bathroom is a retro delight with vibrant tiling and a built-in storage unit in the nearby hallway. Enjoy two storage units, onsite laundry and a deeded parking space. This treasured location offers mountain views, bike storage and proximity to all that Capitol Hill has to offer.

Don’t Let Rising Inflation Delay Your Homeownership Plans

If recent headlines about rising inflation are making you wonder if it’s still a good time to buy, here’s what experts have to say. Housing is an asset that typically grows in value. Plus, your mortgage helps stabilize your monthly housing costs, and buying protects you from rising rents. Experts say owning a home is historically a good hedge against inflation. Let’s connect if you’re ready to start the home-buying process today. Continue this reading in the above PDF.

The One Thing Every Homeowner Needs To Know About a Recession

We’re not in a recession in this country, but if one is coming, it doesn’t mean homes will lose value. History proves a recession doesn’t equal a housing crisis. Continue this read in the above pdf.

How Homeownership Can Bring You Joy

Deciding whether to rent or buy is a personal decision. The financial benefits are critical, but don’t overlook the emotional impact homeownership can have. Let’s connect to discuss all the benefits you can enjoy when you purchase your own home. Continue this read in the above PDF.

Why Rising Mortgage Rates Push Buyers off the Fence

For many buyers, rising mortgage rates are motivating them to act now and make a purchase before rates rise higher. To decide what move is best for you, let’s connect so you have expert advice on your side. Continue this read in the above PDF.

If You’re a Homeowner, You Have Incredible Leverage When You Sell Today

If you’re thinking of selling your home, know buyer demand in today’s market gives you a great opportunity to get the best terms and price when you sell your house. Let’s connect today to discuss how much leverage you have as a seller in today’s market.

What You Actually Need To Know About the Number of Foreclosures in Today’s Housing Market

While you may have seen recent stories about the volume of foreclosures today, context is important. During the pandemic, many homeowners were able to pause their mortgage payments using the forbearance program. The goal was to help homeowners financially during the uncertainty created by the health crisis. Continue this read in the above PDF.

Jumbo Loans

With home values increasing all over Colorado, finding a conforming loan can become tricky. If the home you’re after exceeds the limits the FHFA sets each year, a jumbo loan may be necessary to get you into the home of your dreams. Continue this read in the above PDF.

Interest-Only Loan

Are you looking for a way to keep your mortgage costs down? You may want to consider an interest-only mortgage. With an interest-only mortgage, you only pay the interest for a set period of time, allowing you to save money for a short-term period.

203k Streamline Loan

If you’re interested in purchasing a home in need of some repairs or remodeling, a 203k streamline loan is something you may want to consider. With a 203k streamline loan, you can borrow money to cover the cost of the home plus up to $35,000 to use toward repairs. A 203k streamline loan is great for homebuyers who can qualify for an FHA loan but won’t have a lot of leftover cash to complete the home improvement projects you’ll need to turn the house into a home. Continue this read in the above PDF.

Construction To Permanent Loans

Not able to find a home that’s a perfect fit for you and your family? Did you know there’s a loan that will allow you to build a home, start to finish? This may be a great alternative to battling with other potential homeowners in the hot Colorado real estate market. A construction to permanent loan, sometimes called a single-close loan, is a financing option that covers the cost of the land, construction of the home, and the mortgage of the home once construction is complete. You get to work with the architect of your choice to design and build the home of your dreams. Continue this read in the above PDF.

Vacation Home Financing

Do you find yourself going away for skiing, hiking, or rafting trips? Instead of going through the hassle and expense of renting an AirBnb, why not get a vacation home of your own? It’s more within your reach than you may think.

Stocks Are Suffering, But It’s Helping Rates Stabilize

In 2015 and 2018, the phrase "global growth concerns" was all the rage. The concept helped explain downward movement in stocks and rates that otherwise didn't always have an immediate justification. Now in 2022, it's time to bring it out of retirement.

Are There More Homes Coming to the Market?

If you’ve been having a hard time finding your dream home, stick with your search. More options are coming to market and your ideal home could be one of them. Let’s connect so you can stay up to date on the latest listings in our market, so you can be ready to move fast when you find the one that’s right for you.

Will Home Prices Fall This Year? Here’s What Experts Say.

If you’re thinking of selling to move up, you shouldn’t wait for prices to fall. Experts say prices will continue to appreciate this year. That means, if you’re ready, buying your next home before prices climb further may make the most financial sense. Let’s connect to begin the process of selling your current home and looking for your next one before prices rise higher.

How Today’s Mortgage Rates Impact Your Home Purchase

Even small increases in mortgage rates can impact your purchasing power. If you’re in the process of buying a home, it’s more important than ever to have a strong plan. Let’s connect so you have a trusted real estate advisor and a lender on your side who can help you strategize to achieve your dream of homeownership this season.

Searching for the right loan? Maybe a Conventional 97 Loan is perfect for you!

If you’re a first-time home buyer, saving up enough money for a downpayment can be a struggle. In fact, in recent research by Fannie Mae, it was discovered that the down payment requirement was the most significant hurdle for first-time home buyers. For many, it may seem like your only option for homeownership is a government-backed loan with higher fees than conventional loans, but that doesn’t have to be the case.

What is a 3-2-1 Buydown and how does it work?

Since interest rates are rising, you may be worried that your homeownership may be a little bit out of reach. If that’s how you are feeling, you may want to consider a 3-2-1 Buydown. Let’s look at how it works in the above PDF

2022 Housing Market Forecast

Check Out Some Highlights From the above PDF! What does the rest of the year hold for the housing market? Here’s what experts have to say about what lies ahead. Home prices are projected to rise and so are mortgage rates. Experts are also forecasting another strong year for home sales as people move to meet their changing needs. Let’s connect so you can make your best move this year.

Three Tips for First-Time Homebuyers

Knowledge is key to succeeding on your home buying journey. Knowing market trends, what you need for a down payment, and what options you have as a buyer today can give you the confidence you need to buy a home. Let’s connect so you have an expert on your side who can help you navigate the home buying process and pre approval process.

Your House Could Be Closer to List-Ready Than You Think

If you’re ready to take advantage of the incredible conditions for sellers in today’s real estate market but are worried about the time it’ll take to get your home ready, you might be closer than you think. Let’s connect so we can get you to the perfect real estate agent for your needs!

Things That Could Help You Win a Bidding War on a Home

In today’s hot housing market, you need a partner who can serve as your guide, especially when it comes to making a strong offer. Let’s connect so you have a trusted resource and coach on how to make the strongest offer possible for your specific situation.

Today’s Home Price Appreciation Is Great News for Existing Homeowners

If you’re weighing whether or not you should sell your house this season, knowing rising home values may be opening up an opportunity to use equity to fuel your move. Let’s connect so you can find out how much your home is worth and to learn more about all the benefits you have in today’s market, or go to www.marketcomparewatch.com For more information please read this article. https://bit.ly/3wauvID

PROTECT YOURSELF FROM FED RATE HIKE

We wanted to get this video out to explain the Fed Rate Hike planned for this week...this is rate increase #2 of this year. Why? - They need to do this in order to slow down inflation which is currently at 8.5%. How to protect yourself? - You need to review and convert all of your short term debt (equity lines, HELOCS, credit cards, etc.) and move into long term (good) debt. Long term debt/mortgage stays at a low interest rate, protecting you from fluctuations like this in the market.

If You Are Renting, You Need To Watch This Video On Corporate Landlords – 60 Minutes Report

Hola, I wanted to get this video out to bring to highlight the corporate landlords in this 60 Mins episode, which are driving up the rental market up and crushing your dream of homeownership. What? I want you to understand why the rental markets are rising. ( Real Estate is their bet against inflation, what are Corp Landlords and All Cash Offers ) Why? Understanding who and the why behind this movement could cause you to rethink and restrategize your plan for homeownership. When? Now How to protect yourself? You need to understand a Rent vs. Own report, basic knowledge of Renovation Loans, the actual Cost of Waiting, and how I use technology to help my clients have an increased chance of getting their offers accepted.

Mortgage Applications Slide, but Pending Home Sales Beat Expectations

Today brought 2 new scheduled data releases for the housing market. Both were fairly logical given the variables in play. So far in 2022, one of the most obvious and troublesome variables for the mortgage market has been the historically rapid rate spike. Average 30yr rates are now at levels not seen since 2009. Continue this read in the above PDF.

March New Home Sales Decline Matched Expectations

New, single family home sales declined by 8.6 percent in March according to data released today by the Census Bureau. Check out the data in the above PDF.

Interest in Sustainable Homes on Upswing

Interest in sustainable homes, those with green or energy-saving features, appears to be growing. TheNational Association of Realtors® (NAR) recently surveyed its members to determine the emphasis their clients place on such attributes in their home buying decision making.

Bigger Than Normal Drop in Mortgage Delinquencies

Mortgage delinquencies hit a record low in March according to the "first look" report on mortgage performance released today by Black Knight. Hitting a record low is actually less interesting in this case because delinquency rates were already near all-time lows. Continue this read in the above PDF.

Give Your Curb Appeal a Boost Before You Sell

Some Highlights For The Above PDF.... 1. If you’re thinking about selling your house this season, focusing on a few quick and easy updates outside can help your home look its best. 2. 78% of real estate agents polled say poor landscaping affects property values. As a seller, that means your yard could impact your bottom line. 3. When getting your house ready to sell, let’s connect to discuss what you should do to make sure your house shows well and catches the eyes of more potential buyers.

What You Need To Know About Selling in a Sellers’ Market

Even if you haven’t been following real estate news, you’ve likely heard about the current sellers’ market. That’s because there’s a lot of talk about how strong market conditions are for people who want to sell their houses. But if you’re thinking about listing your house, you probably want to know: what does being in a sellers’ market really mean?

The Dream of Homeownership Is Worth the Effort

If you’re in the market to buy a home this season, stick with it. Homebuyers face challenges in any market, and today’s is no exception. But if you persevere, your decision to purchase a home will be worth the effort in the end. In fact, a recent survey from Bankrate shows homeownership is so powerful that: “Nearly three in four homeowners say they would still buy their current home if they had it to do [sic] all over again.” Continue this read in the above PDF

How Homeownership Can Help Shield You from Inflation

If you’re following along with the news today, you’ve likely heard about rising inflation. You’re also likely feeling the impact in your day-to-day life as prices go up for gas, groceries, and more. These rising consumer costs can put a pinch on your wallet and make you re-evaluate any big purchases you have planned to ensure they’re still worthwhile.

Is It Enough To Offer Asking Price in Today’s Housing Market?

If you’re planning to buy a home this season, you’re probably thinking about what you’ll need to do to get your offer accepted. In previous years, it was common for buyers to try and determine how much less than the asking price they could offer to still get the home. The buyer and seller would then negotiate and typically agree on a revised price that was somewhere between the buyer’s bid and the home’s initial asking price. In today’s real estate market, buyers shouldn’t shop for a home with the same expectations. Continue this read in the above PDF.

How To Budget In Today’s Wild Real Estate Market.

If you’re buying a home in this tough Colorado real estate market, you may find that going above the asking price is a must-do. It used to be that you would create a budget and look at homes under that amount. With the way today’s market works, that may not be the best way to approach your home search. Continue this read in the above PDF.

Yes, Rates Are Rising – But Buying a House Is Still a Good Idea

You’ve probably heard by now that interest rates are increasing, and it was just announced that another half-point rate increase would likely happen in May. At the time of writing, mortgage rates are 5.25% for a 30-year fixed-rate mortgage which is the highest they’ve been in over five years. With the increase in mortgage rates and the skyrocketing home values, you’d be crazy to buy a house in today’s market, right? Not exactly. Let’s look at why buying a house in Colorado is still a good idea.

Myths About Today’s Housing Market

Check out some highlights from the above PDF! * If you’re planning to buy or sell a home today, it’s important to be aware of common misconceptions. * Whether it’s timing your purchase as a buyer based on home prices and mortgage rates or knowing what to upgrade or repair before listing your house as a seller, it takes a professional to guide you through those decisions. * Let’s connect so you have an expert to help separate fact from fiction in today’s housing market.

Investor Home Purchases Sagged in Q4

As home sales surged and prices soared, real estate investors were no small part of the mix. Continue this read in the above PDF.

Existing Home Sales Feeling The Effects From Rising Rates?

Mortgage Applications Still Falling; Purchases Still Looking Resilient

The Mortgage Bankers Association's(MBA) latest weekly mortgage application data shows an ongoing and unsurprising decline in refinance applications. Continue this read in the above pdf.

Permits and Starts Sit at 16-Year Highs

Despite the oft-cited hurdles, housing production continued to strengthen in March. Permits for residential construction were issued at seasonally adjusted annual rates that surpassed 1,800 for the fourth consecutive month and housing starts were the highest for any month since June 2006.

Builder Confidence Remains Resilient Despite Rising Rates

Mortgage rates may be at the highest levels in more than 3 years, but the housing market has yet to show visible signs of distress. April's release of theNAHB/Wells Fargo Housing Market Index (HMI) is the latest data supporting that thesis. Continue this read in the above PDF.

ARM Activity Rising in Response to Rates

Mortgage Credit Remains Tight

2021 Profits Plummet; Lenders Still Had a Very Good Year

While still healthy, mortgage lenders’ 2021 profits took a deep dive from the record returns recorded in 2020. Read the above PDF for more information.

Purchase Mortgage Activity Rises Despite Interest Rates

Overall volumes of mortgage loan rate locks appear, as yet, largely unaffected by the recent increases in mortgage interest rates, but have definitely changed their composition. Continue this read in the above PDF.

Purchase Applications Remain Surprisingly Resilient

You can't spend too much time reading/watching the news recently without being well aware of the relatively unprecedented surge in mortgage rates seen so far in 2022. In particular, the month of March was one the worst on record with one individual week in March tying a week in June 2013 as the worst in more than 25 years. All that to say, rates are much higher! Continue this read in the above PDF.

Why This Housing Market Is Not a Bubble Ready To Pop

The major reason for the housing crash 15 years ago was a tsunami of foreclosures. With much stricter mortgage standards and a historic level of homeowner equity, the fear of massive foreclosures impacting today’s market is not realistic. Read the above PDF for more information.

How To Approach Rising Mortgage Rates as a Buyer

Serious buyers should approach rising rates as a motivating factor to buy sooner, not a reason to wait. Waiting will cost you more in the long run. Let’s connect today so you can better understand your budget and be prepared to buy your home even before rates climb higher.

Why Pre-Approval Is an Important Step for Today’s Homebuyers

Getting pre-approved for a mortgage helps you better understand what you can afford and signals to sellers you’re serious about purchasing their home. Let’s connect so you have the tools you need to succeed as a homebuyer in today’s market.

Is It Time To Buy a Smaller Home?

Life events can have a major impact on what you need from your home, and retirement is one of the biggest changes many of us face. This period of your life can mean doing more of the things you enjoy, like traveling, visiting with loved ones, or taking on new hobbies. But what does that mean for your home?

What Is Multigenerational Housing?

Some Highlights From the above PDF. If you have additional loved ones coming to live with you but don’t have enough space, it may be time to consider a larger, multigenerational home. Some key benefits of multigenerational living include a combined home buying budget, shared caregiving duties, enhanced relationships, and more. These benefits might be why more people are choosing to live in multigenerational homes today. Let’s connect so you can find a house that meets your changing needs and has plenty of space for you and your loved ones.

On the Fence of Whether or Not To Move This Spring? Consider This.

If you’re thinking of selling your house, it may be because you’ve heard prices are rising, listings are going fast, and sellers are getting multiple offers on their homes. But why are conditions so good for sellers today? And what can you expect when you move? To help answer both of those questions, let’s turn to the data in the above PDF.

Where Are Mortgage Rates Headed?

There’s never been a truer statement regarding forecasting mortgage rates than the one offered last year by Mark Fleming, Chief Economist at First American: “You know, the fallacy of economic forecasting is: Don’t ever try and forecast interest rates and or, more specifically, if you’re a real estate economist mortgage rates, because you will always invariably be wrong.” Coming into this year, most experts projected mortgage rates would gradually increase and end 2022 in the high three-percent range. It’s only April, and rates have already blown past those numbers. Freddie Mac announced last week that the 30-year fixed-rate mortgage is already at 4.72%. Continue this read in the above PDF.

Why a Real Estate Professional Is Key When Selling Your House

With today’s real estate market moving as fast as it is, working with a real estate professional is more essential than ever. They have the skills, experience, and expertise it takes to navigate the highly detailed and involved process of selling a home. Continue this read in the above PDF.

Using Your Tax Refund To Achieve Your Homeownership Goals This Year

If you’re buying or selling a home this year, you’re likely saving up for a variety of expenses. For buyers, that might include things like your down payment and closing costs. And for sellers, you’re probably working on a bit of spring cleaning and maintenance to spruce up your house before you list it. Either way, any money you get back from your taxes can help you achieve your goals. Using a tax refund is a common tactic for buyers and sellers. SmartAsset estimates the average American will receive a $2,897 tax refund this year. Continue this read in the above PDF.

Your Colorado Spring Cleaning To-Do List

Spring cleaning may not be the most thing, but your house will thank you for it. Keeping a house clean and well maintained will lead to a higher listing price when the time comes to sell your home.

Do You Know How Much Equity You Have in Your Home?

If you’re a homeowner, your net worth has gotten a big boost. That’s because recent home price appreciation has increased your equity. Your equity grows as you pay down your loan and as your home increases in value. Over the past year, the average homeowner’s equity grew by $55,300. Ready to sell? Let’s connect to talk about how you can use that equity to fuel your next move.

The Future of Home Price Appreciation and What It Means for You

If you’re trying to decide whether to buy now or wait, the key is knowing what’s expected to happen with home prices. Experts say prices will continue to climb in the years ahead, just at a slower pace. So, if you’re ready to buy, doing so now may be your best bet for your wallet. It’ll also give you the chance to use the future home price appreciation to build your own net worth through rising equity. If you want to get started, let’s connect today.

Mortgage Payment to Income Ratio Getting Into Pre Meltdown Territory

Black Knight's latest Mortgage Monitor report was released this morning and it provided more timely insight on home price appreciation than last week's home price indices(HPIs) from FHFA and S&P Case-Shiller. The Mortgage Monitor's price data covers February where as the other HPIs were limited to January. Continue this read in the above PDF.

Home Prices Moved Up Even Faster in January Despite Higher Rates.

There's a friendly debate among economists and housing experts on the implications of 2022's massive spike in mortgage rates. According to some, higher rates will surely bring a quicker end to what was already an unsustainable trajectory for home prices. Continue this read in the above PDF.

Pending Sales Take Fourth Monthly Hit

Friday’s pending home sales report was the hat trick; all three home sales measures declined last month. While new and existing home sales have had their ups and downs in recent months, February was the fourth consecutive month that the National Association of Realtors’®(NAR’s) Pending Home SalesIndex (PHSI) has lost ground. Continue this read in the above PDF!

Millennials Now Account for Nearly Half of Home Sales

While they began to become homeowners at amore advanced age than many of their predecessors and encountered an abnormally high number of obstacles getting there, Millennials are now driving the housing market. The 2022 Home Buyer and Seller Generational Trends report from the National Association of Realtors®(NAR) says the Millennial bloc, now aged 23 to 41, are accounting for more transactions than any other age group, 43 percent of home sales, up from 37 percent a year earlier. Continue this read in the above PDF.

Forbearances Decline for 21st Straight Month

More than a half-million loans remained in forbearance at the end of February according to the Mortgage Bankers Association (MBA). Its monthly Loan Monitoring Survey, which coverers 73 percent of the 36.4million loan first-mortgage servicing market, shows the preponderance of forborne loans are being serviced for bank portfolios or private label securities(PLS). Continue this read in the above PDF.

Springtime for Builders if not Sales

Existing home sales slowed in February and the National Association of Realtors®(NAR) said the recent rise in interest rates may have already knocked some buyers out of the market. Home builders, however, revved up their production as the spring market neared. Continue this read in the above PDF.

Remote Work Trends Mean Flexibility for First-Time Home buyers

Remote work doesn’t just give you expanded flexibility for your career. If you’re no longer tied to a location because of your office, you have a great opportunity to expand your housing search. Let’s connect to explore how this can open up your options.

What You Need To Budget for When Buying a Home

Knowing what to budget for in the home buying process is essential. To make sure you understand these and any other expenses that may come up, let’s connect so you have reliable expertise on what to expect when you buy a home.

Balancing Your Wants and Needs as a Homebuyer Today

Crafting your home search checklist may seem like a small task, but it can save you time and money. It’s also one of the keys to being successful in today’s competitive market. Let’s connect so we can work together to find a home that fits your wants and needs.

It’s Still a Sellers’ Market.

Some Highlights from the above PDF. Due to low supply and high demand, today is one of the strongest sellers’ markets we’ve seen. Sellers can benefit from more offers to pick from, higher home values, and a faster sales process. There’s a reason why 72% of people believe it’s a good time to sell. Don’t miss out on this unique opportunity. Let’s connect so you can take advantage of this hot sellers’ market.

There Are Several Great Reasons To Consider Buying a Condo Today.

Condominiums are a great option for many buyers, especially those looking to buy their first home. If you’re willing to consider condos in your search, you could find something that’s in line with your target numbers and your needs. To learn more, let’s connect so you have an expert in the condo-buying process on your side.

What’s Happening with Mortgage Rates, and Where Will They Go from Here?

Paying a higher price for a home and a higher mortgage rate can be a difficult pill to swallow. However, waiting will just cost you more. If you’re ready, willing, and able to buy a home, now will be a better time than a year, or even six months from now. Let’s connect to begin the process today.

The Best Week To List Your House Is Just Around the Corner

Are you thinking about selling your house? If so, you may want to make it a priority to start the process soon. Continue the read in the above PDF.

A Key To Building Wealth Is Homeownership

The link between financial security and homeownership is especially important today as inflation rises. But many people may not realize just how much owning a home contributes to your overall net worth. Continue this read in the above PDF.

How an Energy Efficient Home Can Be a Bright Idea

Some Highlights from the above PDF. 1. With inflation driving up the cost of everyday items, seeking out an energy-efficient home can be a great way to decrease the expenses you can control. 2. Energy efficiency can help lower your utility bills and possibly even save you money on your taxes. Options to look for include efficient appliances, windows, and solar panels. 3. If you’re planning to buy a home this year, consider energy efficiency in your search. Let’s connect so you can better understand features that can save you money for years to come.

Why Has 2022 Been The Worst Year For Rates Since 1994?

While weeks in 2022 have been terrible for mortgage rates, we've always been able to say "at least it wasn't as bad as that one week in 2013." We can't really say that anymore. Sharply higher rates out of the gate on Monday, a few hopeful days mid-week, then another terrible day on Friday. Check out the above PDF on why is all this happening?

30yr Fixed Rates Heading Toward 5% at Fastest Pace in Decades

Rates added to the record-breaking move higher today. Check out the above PDF for more information.

Bond Market Betrayal as Mortgage Rates Hit Another Long Term High

Rates are constantly changing.... Check out the above pdf on what the rates are currently doing.

What You Can Expect from the Spring Housing Market

If you are considering buying or selling this Spring, be sure to read the above PDF!

What You Need To Know if You’re Thinking About Building a Home

Thinking about building your dream home? Check out the above PDF on understanding the latest market conditions and how it is key to making the best decision possible.

The Many Benefits of Homeownership

Check out the above PDF on why owning your how home can be powerful and exactly what you need to do in 2022!

The Average Homeowner Gained More Than $55K in Equity over the Past Year

If you’re a current homeowner, you should know your net worth just got a big boost. It comes in the form of rising home equity. Equity is the current value of your home minus what you owe on the loan. Today, you’re building that equity far faster than you may expect – and this gain is great news for you. Continue this read in the above PDF.

Did Your Dream Home Just Come on the Market?

For the first time in a long time, the number of newly listed homes is beginning to rise. Check it out in the above PDF!

Are You Wondering if This Is the Year To Buy a Home?

Every year, many renters ask themselves the same question: Should I continue renting, or is it time to buy a home? If you’re a renter, chances are you’ve asked yourself that question at least once, and it’s likely because you’ve faced an increase in your monthly housing costs over time. Continue this read in the above PDF.

Things to Consider When Selling Your House (Spring 2022)

Trying to decide when to sell? If so, you likely want to time it just right so you can get the most out of the sale of your current house and know you’re making a good investment when you buy your next home. You may not realize that the opportunity to get the best of both worlds is already here. Check out the above PDF for more information on how you can do this.

Things to Consider When Buying a Home (Spring 2022)

Let's Chat. I'm sure you have questions and thoughts about the real estate process. I'd love to talk with you about what you've read here and help you on the path to buying your new home.

Energy Efficient Home Ideas

If you planning to buy a home this year... Check out the above PDF on what to look for in an energy efficient home.

Get Your House Ready To Sell This Spring

Planning to sell your house this spring? Here are just a few things you’ll want to tackle before you do. To determine the full list of what you’ll need to get your home ready to sell, you need the opinion of a trusted expert. Call me to help make sure your house shows well this season.

Homebuilder Confidence Still Strong, But Suffering From Future Outlook

Residential construction and its logical impact on builder confidence has been one of the biggest pleasant surprises of an otherwise very unpleasant catalyst (i.e. the pandemic). Construction has progressed just as fast as material and labor availability have allowed and builder confidence has risen accordingly. Continue this read in the above PDF.

Rents Are Rising 4 Times Faster Than They Did in 2020

Rent is rising across the United States. The time to buy could be now! Let us get you pre-approved!

Consumers Still Don’t Get It When It Comes To Home Prices And Rates

All too often, when it comes to consumer surveys about the future, the results tend to reflect what has already happened as opposed to what will continue to happen. Of course, trends can remain intact, but other times, the writing is on the wall. Looking back at the start of the pandemic, consumers thought the writing was on the wall with respect to home prices according the Fannie Mae's monthly National Housing Survey. A net of 39% of respondents thought home prices would continue to go up in early 2020. A few short months later, more were convinced that home prices would fall. Continue this read in the above PDF.

Will The Russian Invasion of Ukraine Affect The Colorado Real Estate Market?

The Russian invasion of Ukraine has been heavy on our minds and hearts. An event like this impacts the entire world in one way or another. While we don’t claim to be experts in foreign policy, we are experts in real estate. The war in Ukraine will most likely affect the Colorado real estate market, let’s talk about why and how in the above PDF!

Don’t Get Caught Off Guard by Closing Costs

As a homebuyer, it’s important to plan and budget for the expenses you’ll encounter when you purchase a home. While most people understand the need to save for a down payment, a recent survey found 41% of homebuyers were surprised by their closing costs. Check out the above pdf for some information to help you get started so you’re not caught off guard when it’s time to close on your home.

This Spring Presents Sellers with a Golden Opportunity

If you’re thinking of selling your house this year, timing is crucial. After all, you’ll want to balance getting the most out of the sale of your current home and making the best investment when you buy your next one. If that’s the case, you should know – you may be able to get the best of both worlds today. In the above PDF there are four reasons why this spring may be your golden window of opportunity.

Key Terms for Homebuyers

Check out these highlights from the above PDF. Knowing key housing terms and how they relate to today’s market is important. For example, when mortgage rates and home prices rise, it impacts how much home you can afford. Terms like appraisal (what lenders rely on to validate a home’s value) and the inspection contingency (which gives buyers essential information on a home’s condition) directly impact the transaction. Buying a home can be intimidating if you’re not familiar with the terms used throughout the process. Let’s connect so you have an expert guide and advice for any questions that may come up.

How To Navigate a Market Where Multiple Offers Is the New Normal

If you’re thinking of buying a home today, you already know that the number of homes available for sale is low. But what does that really mean for you? As a buyer, low housing supply coupled with high buyer demand means you should be prepared to navigate a highly competitive market where homes sell fast and get multiple offers. Realtor.com has this to say: “Homes also flew off the market at record pace as buyers put offers in the moment properties came up for sale….” Continue this read in the above PDF.

Key Factors That Impact Affordability Today

You can’t read an article about residential real estate without the author mentioning the affordability challenges that today’s buyers face. There’s no doubt homes are less affordable today than they were over the last two years, but that doesn’t mean homes are now unaffordable. There are three measures used to establish home affordability: home prices, mortgage rates, and wages. Let’s look closely at each of these components in the above PDF.

How Global Uncertainty Is Impacting Mortgage Rates

If you’re thinking about buying or selling a home, you’ll want to keep a pulse on what’s happening with mortgage rates. Rates have been climbing in recent months, especially since January of this year. And just a few weeks ago, the 30-year fixed mortgage rate from Freddie Mac approached 4% for the first time since May of 2019. But that climb has dropped slightly over the past few weeks (see graph above):

Supply and Demand in Today’s Market

Today’s housing market is the direct result of low supply and high buyer demand. Here’s what that means for you and your plans to buy or sell. For buyers, expect competition, be ready to move fast, and be prepared to submit your strongest offer. For sellers, know your house will be the center of attention and that it’ll likely sell quickly and get multiple offers. If you’re ready to move, let’s connect to talk about our local area and how you can take advantage of today’s unprecedented housing market. We are here to get you Pre-approved for your next loan!

Mortgage Applications Stabilized Despite Last Week’s Higher Rates

Mortgage applications have been making logical moves recently with higher rates causing a sharp deceleration in refinance activity. Purchases are off their recent highs as well, but in much better shape in the bigger picture. In this week's report, released by the Mortgage Bankers Association (MBA) today, mortgage rates moved up yet again,setting another new multi-year high. It's no surprise, then, to see applications fall further, but it's definitely a surprise to see refinances move higher, even if only microscopically. Continue this read in the above PDF.

Staggeringly Big Rate Swings as Markets Remain Focused on Ukraine

Financial markets were already dealing with rapidly evolving Fed policy shifts, a big jump in rates, and a big drop in stocks. But after Russia invaded Ukraine, volatility has been on another level. As far as the mortgage market is concerned, the average 30yr fixed rate experienced some of its biggest 2-way swings in more than a decade. The following chart shows the change in rates every 48 hours. This makes things more interesting because big moves in rates often take more than a day to play out. Continue this read in the above PDF.

Mortgage Rates Barely Budge. We’ll Take It!

The first 2 days of the week marked the best 48 hour stint for mortgage rates since March 2020, and one of the best on record. Such victories require a rarely seen combination of factors, but at least one ingredient is the nearby presence of equally big moves in the other direction. Yesterday filled that role with rates jumping higher at the fastest pace of the year, more than fully erasing Tuesday's portion of the gains. Continue this read in the above PDF.

Complete Reversal as Mortgage Rates Erase Yesterday’s Gains

On a normal week, we can follow day to day movement in rates and point out how far behind the times the week-to-week changes are. This time around, the week-to-week changes may have the upper hand due to the extreme 2-WAY volatility seen in the day-today movement. Specifically, rates plunged lower at the fastest pace in years on the first 2 days of the week. Continue this read in the above PDF.

Biggest 2-Day Rate Drop in a Long Time as 30yr Surges Back Under 4.0%

First thing's first. We need to get some caveats out of the way. The following should always be assumed when reading mortgage rate coverage, but I like to include a reminder on the occasions where massive movement and specific levels are discussed. *Different lenders adjustrates at different paces. Some have yet to catch up with the average. Others may be ahead of average. *If we're talking about 30yr fixed rates under 4.0%, it's a reference to an ideal scenario without price adjustments for things like credit score, loan purpose, property type, cash-out, etc. Continue this read in the above PDF.

Mortgage Applications Stabilized Despite Last Week’s Higher Rates

Mortgage applications have been making logical moves recently with higher rates causing a sharp deceleration in refinance activity. Purchases are off their recent highs as well, but in much better shape in the bigger picture. In this week's report, released by the Mortgage Bankers Association (MBA) today, mortgage rates moved up yet again, setting another new multi-year high. It's no surprise, then, to see applications fall further, but it's definitely a surprise to see refinances move higher, even if only microscopically. Continue this read in the above PDF.

Home Prices Aren’t Done Setting Records Yet

CoreLogic released its Home Price Index for January today, showing year-over-year price appreciation of 19.1% nationally. That's the highest rate of appreciation since this data series began in 1976. The caveat, of course, is that CoreLogic's own forecasts call for a deceleration in price gains throughout the year. Nonetheless, the annual pace should remain above 10% for the first seven months of 2022. The lowest price tier has enjoyed the fastest appreciation since the middle of 2013. This trend accelerated into the middle of 2021, but higher priced homes have been catching up since then. Continue this read in the above PDF.

Are Home Prices Continuing To Rise?

Many analysts projected home price appreciation would slow dramatically in the fall of 2021 and then continue to soften throughout 2022. So far, that hasn’t happened. The major price indices are all revealing ongoing double-digit price appreciation. Here’s a look at their reports on year-over-year price appreciation for December: Federal Housing Finance Agency (FHFA): 17.6% S&P Case-Shiller: 18.8% CoreLogic: 18.5% To show that they’re not seeing signs of softening, check out a graph in the above PDF that gives the progression of all three indices for each month of 2021.

Supply and Demand in Today’s Market

Today’s housing market is the direct result of low supply and high buyer demand. Here’s what that means for you and your plans to buy or sell. For buyers, expect competition, be ready to move fast, and be prepared to submit your strongest offer. For sellers, know your house will be the center of attention and that it’ll likely sell quickly and get multiple offers. If you’re ready to move, let’s connect to talk about our local area and how you can take advantage of today’s unprecedented housing market. For more information kindly read the PDF above.

Down Payment Assistance Programs Can Help You Achieve Homeownership

For many homebuyers, the thought of saving for a down payment can feel daunting, especially in today’s market. That’s why, when asked what they find most difficult in the homebuying process, some buyers say it’s one of the hardest steps on the path to homeownership. Data from the National Association of Realtors (NAR) shows: “For first-time home buyers, 29 percent said saving for a downpayment [sic] was the most difficult step in the process.” If you’re finding that your down payment is your biggest hurdle, the good news is there are many down payment assistance programs available that can help you achieve your goals. The key is understanding where to look and learning what options are available. Here’s some information that can help. Continue this read in the above PDF.

An Expert Advisor Will Give You the Best Advice in Today’s Market

Having an experienced guide coaching you through the process of buying or selling a home is important in a normal market – but today’s market is far from normal. As a result, an expert real estate advisor isn’t just good to have by your side, they’re essential. Today’s housing market is full of extremes. Experts project mortgage rates will continue to rise this year, and that’s driving significant demand for homes as buyers want to make their purchases before rates climb even higher. At the same time, an absence of sellers is leading to record-low housing inventory. This imbalance in supply and demand is creating bidding wars and driving home price appreciation as well as considerable gains in home equity. Continue this read in the above PDF.

Millennials: Do You Need a Home with More Space?

If you’re a millennial, home buying might be top of mind for you. Your generation is the largest group of homebuyers in the market today and has been since 2014, according to the National Association of Realtors (NAR). And while other millennials are looking to buy for the first time, you may be one of the many who are now discovering you’ve outgrown your home. Continue this read in the above PDF.

The Difference Between Renting & Owning

If you’re trying to decide whether to rent or buy, consider the many financial benefits that come with owning a home. As a homeowner, you can build your own net worth and lock in your monthly payments for the length of your loan.

The #1 Reason To Sell Your House Today

Almost every industry is currently struggling with supply chain disruptions. This also applies to the current U.S. housing market, where buyer demand far exceeds housing supply. Purchaser demand is very strong right now. The National Association of Realtors (NAR) just released their latest Existing Home Sales Report which reveals that sales surged in January. Existing home sales rose to a seasonally adjusted annual rate of 6.5 million – an increase of 6.7% from the prior month, with sales up in all regions. However, there’s one big challenge. Continue this read in the above PDF!

Realtors Report Big Decline in Contract Signings

The National Association of Realtors released January's Pending Home Sales report this morning, which measures signed purchase contracts as opposed to finalized sales. As such, it's considered to be an advance indicator of Existing Home Sales, and that's generally proven to be the case over time. It also means the pending sales data can be a bit more volatile. Continue this read in the above PDF.

Fannie Mae’s February Forecast Revises Nearly Everything

Fannie Mae’s economists have again stepped up their expectations for the Fed’s response to escalating inflation. A 7.5 percent annual increase in the January Consumer Price Index (CPI), a 40-year high, prompted Fannie’s Economic & Strategic Research (ESR) Group to raise its forecast for a March increase in the Fed funds rate from 25 basis points to 50. The group says, however, that they disagree with the futures markets in that they expect initial rate hikes, from March through July to total 100 basis points, followed by a pause for the rest of the year while the Fed assesses the impact of both the increases and their balance sheet run off, especially as the Fed has had little experience with the latter.

Mortgage Rates Edging Back Up Toward Long-Term Highs

Heading into the extended weekend, there was a small possibility that today's mortgage rates would turn out to be slightly lower. Reasons for this included looming uncertainty surrounding Russia/Ukraine and the likelihood of defensive lender positioning ahead of an extended weekend. Continue this read in the above PDF.

How Supply and Demand Can Impact Your Buying and Selling Goals

In today’s housing market, there are far more buyers looking for homes than sellers listing their houses. Based on the concept of supply and demand, this means home prices will naturally rise. Why is that? When there are more people trying to buy an item than there are making that item available for sale, that drives prices up. And that’s exactly the case in today’s housing market. So, knowing what’s happening with the inventory of homes for sale and the demand for housing is crucial for today’s buyers and sellers. Continue this read in the above PDF.

The Perks of Owning More Than One Home

Many things have changed over the past couple of years, and real estate is no exception. One impact is an increased desire to own more than one home. According to the recent Luxury Market Report from Luxury Home Marketing: “As trends such as remote working and flexi-hours took hold in 2021, so too did the flexibility of relocating as well as the growth of second homeownership.” Continue this read in the above PDF.

Real Estate Voted the Best Investment Eight Years in a Row

In an annual Gallup poll, Americans chose real estate as the best long-term investment. And it’s not the first time it’s topped the list, either. Real estate has been on a winning streak for the past eight years, consistently gaining traction as the best long-term investment. Continue this read in the above PDF.

Buy, Rent, or Build in Denver, Colorado

You know you want to live in Colorado, but you aren’t sure which route to take. The real estate market in Denver County is wild. Home values have increased by about 11% in the last year, but rental rates have increased too. You could also build a new home from the ground up, but that seems like a big, overwhelming project. We understand that the market is tricky, and this is a huge decision for you. To help you out, we thought we’d break down some of the pros and cons of each option. Let’s take a look in the above PDF!

Mortgage Rates Struggling to Improve, Even When They Should, But Housing is Still Strong

With things still up in the air in terms of geopolitical risk, markets are seeking safer havens. Most recently, this is affecting stocks a bit more than bonds. Continue this read in the above PDF.

MBA Expects New Home Sales to Decline in New Year

he Mortgage Bankers Association (MBA) is projecting a decline in new home sales for January. Based on data collected from its Builder Application Survey (BAS), it estimates that sales of newly constructed single-family homes were at a seasonally adjusted annual rate of 821,000 units, a decrease of 7.4 percent from theDecember rate of 887,000 units. On an unadjusted basis there were an estimated 66,000 homes sold during the month, 10 percent more than the 60,000 sales the prior month. Continue this read in the above PDF.

Existing Sales Beat Estimates, Inventory Shrinks Again

While last year was an excellent one for existing home sales, they did peter out at the end, falling 4.6 percent in December. The January numbers, released on Friday by the National Association of Realtors®(NAR)surprised analysts by snapping back, recovering from the December loss and then some. Continue this read in the above PDF.

What’s Driving Today’s High Buyer Demand?

Some Highlights from the above PDF! 1. There’s an influx of buyers looking for homes today, and that means your house is in high demand. Here are a few reasons why so many people are looking to buy a home. 2. Buyers are motivated to beat rising mortgage rates, and many want to escape rising rents. There’s also additional demand from millennials who are reaching peak home buying age. 3. If you’re thinking about selling your house, today’s demand is great news. Let’s connect to begin the process of listing your house while buyers are ready to purchase.

4 Simple Graphs Showing Why This Is Not a Housing Bubble

A recent survey revealed that many consumers believe there’s a housing bubble beginning to form. That feeling is understandable, as year-over-year home price appreciation is still in the double digits. However, this market is very different than it was during the housing crash 15 years ago. Check out the PDF above on four key reasons why today is nothing like the last time.

Mortgage Rates Continue Treading Water Near Multi Year Highs

Check out the above PDF on the current mortgage rates and what to expect in the future.

More People Are Planning To Buy a Home Soon

While some homeowners may be tempted to hold off until spring to list their houses, you should know – homebuyers aren’t waiting. Demand is high today as more people are trying to beat rising mortgage rates. As a result, eager buyers are entering the market or moving their plans up so they can make their purchases as soon as possible.

What Every Seller Needs To Know About Renovating This Year

If you’re planning to sell this year, you’re probably thinking about what you’ll need to do to get your house ready to appeal to the most buyers. It’s crucial to work with a trusted real estate professional who knows your local market to get your home ready to sell. But there are a few things you should consider when deciding what to renovate and update before listing this season. Check out the above PDF to keep in mind as you’re making your list of projects to tackle this year.

GSEs’ Net Worth Surged in 2021

Both Fannie Mae and Freddie Mac (the GSEs) reported substantial increases in their financial results for 2021 when compared to 2020 and a greatly improved net worth. Fannie Mae’s performance also improved from the third quarter of 2021 to the fourth, but Freddie Mac reported lower results. Continue this read in the above PDF.

Confidence Slips as Builders Face Big Material Delays

Check out the above PDF on the most recent stats on what builders are facing with material delays.

Mortgage Apps Keep Dropping, But Purchases Outperform

The volume of mortgage applications declined for the second week as interest rates for some products crossed the 4.0 percent line. The Mortgage Bankers Association (MBA)said its Market Composite Index, a measure of that volume, decreased 5.4 percent on a seasonally adjusted basis from one week earlier and was down 3 percent on a non-adjusted basis. The Refinance Index dropped by 9 percent week-over-week and 54 percent compared to the same week in 2021. The refinance share of activity decreased to 52.8 percent of total applications from 56.2 percent the previous week. It was the lowest share for refinancing since July 2019. Continue this read in the above PDF.

Conforming Loan Access at Nine Year Low.

Even as the economy is improving, access to mortgage credit fell in January as investors cut back their demand for some products. The Mortgage Bankers Association (MBA)said its Mortgage Credit Availability Index (MCAI) for the month fell 0.9 percent to 124.8. A decline in the MCAI indicates that lending standards are tightening, while increases in the index are indicative of loosening credit. Four components make up the MCAI and only the index reflecting access to government guaranteed products moved higher. The Conventional MCAI decreased 2.5 percent, while the Government MCAI increased by 0.7 percent. The Conventional MCAI has two components of its own; the Jumbo MCAI decreased by 1.6 percent, and the Conforming MCAI fell by 4.2 percent. Continue this read in the above PDF.

Home Price Gains HaveOutsized Affordability Impacts

According to the National Association of Homebuilders(NAHB), 87.5 million households, 69 percent of the nation’s total, cannot afford to buy a new median priced home because they lack sufficient incomes to qualify for a mortgage under standard underwriting criteria. Continue this read in the above PDF.

Are You Ready To Fall in Love with Homeownership?

Financial benefits are always a key aspect of homeownership, but it’s also important to understand that the nonfinancial and personal benefits are why so many people genuinely fall in love with their homes. When you own your home, you likely feel a sense of emotional attachment because of the comfort it provides, but also because it’s a space that’s truly yours. Continue this read in the above PDF.

Weakest Consumer Sentiment in Over a Decade and Bonds Don’t Care

Check out a complete recap today's market activity in the above pdf!

Spike in Foreclosure Activity Not a Surprise

The sources that gather such data have all reported a steady decline in mortgage delinquencies since last summer and are all stages are now close to the historic lows that existed prior to the COVID-19 pandemic. However, ATTOM says foreclosure activity is mounting.

NAR Sees Price Gains Fading in Many Localities

While recent reports from Black Knight and CoreLogic show price increases continuing at record levels, theNational Association of Realtors®(NAR)reports they are easing in some metropolitan areas. A fourth quarter report, which covers 183 major housing markets, shows that the share of those markets experiencing annual median home price gains in the double digits fell from over three-quarters (78 percent) in the third quarter of 2021 to 67 percent. Continue to read this article in the above pdf.

Want Top Dollar for Your House? Now’s the Time To List It.

When you’re selling any item, you usually want to sell it for the greatest profit possible. That happens when there’s a strong demand and a limited supply for that item. In the real estate market, that time is right now. Continue this read in the above PDF.

Mortgage Rates Hit 4.0% For First Time Since May 2019

There are many different ways to track mortgage rates and several different sources quoted in the news. For decades, the most prevalently-quoted source has been Freddie Mac's weekly primary mortgage market survey. It consists of a questionnaire sent out to loan officers at the beginning of every week. Continue this read in the above PDF.

The Path To Homeownership Can Be Steeper for Some Americans

As we celebrate Black History Month, we honor and recognize the past and present experiences of Black Americans. A significant part of this experience is investing in a home of their own. While equitable access to housing has come a long way, the path to homeownership is still steeper for Households of color. It’s an important experience to talk about, along with how working with the right real estate experts can make all the difference for diverse. Continue this read in the above PDF.

Don’t Let Student Loans Delay Your Homeownership Dreams

If you’re looking to buy a home, you may be wondering how your student loan debt could impact those plans. Do you have to wait until you’ve paid off your student loans before you can buy your first home? Or could you qualify for a home loan with that debt? To give you the answers you’re searching for, let’s take a look at what recent data shows. That way, you know what to expect and what to do next to achieve your dream of becoming a homeowner. While everyone’s situation is unique, your goal may be more within your reach than you realize. Continue this read in the above PDF.

Consumers Agree… It’s a Good Time To Sell

In today’s sellers’ market, many homeowners are weighing their options and trying to decide if they should sell their house. If you’re in that group, you may be balancing things like the ongoing health crisis, rising mortgage rates, and your own changing needs to determine your best time to make a move. Continue this read in the above PDF.

Home Price Appreciation Update Including 2022 Forecast.

Home prices averaged year-over-year gains of 15 percent over the 12 months of 2021 compared to an average gain of 6.0 percent in 2020. Core Logic’s Home Price Index (HPI) ended the year up 18.5 percent compared to the prior December. Despite indications earlier in the year that price gains were beginning to decelerate, they rose 1.3 percent in December, identical to the monthly gains reported in each of the previous three months. The annual growth is up from 18 percent in September and October. Continue this read in the above PDF.

Census Bureau Reports Little Change in Homeownership Rates.

Read about the current homeownership rates in the above PDF.

The mortgage process doesn’t have to be scary!

Have you gotten pre-approved yet, or are you just starting out in the mortgage application process? No matter what, don’t let the fear of applying for a mortgage stop you from finding the home of your dreams. The professionals are here to help.

Your Journey to Homeownership!

There are multiple milestones on your journey to homeownership. The path includes everything from building your team and understanding your finances to going #househunting, making an offer, and more. When you’re ready to start your journey, DM me so you have trusted guidance at every step throughout the process.

Pets and the home buying process..

It’s no secret that we love our pets, and they play a large role in the home buying process. Nearly half of pet owners say they would move for better accommodations for their pet. Have you thought of moving for your pets? Let me know in the comments what type of amenities you need for your furry, feathered, or scaley friends.

How Remote Work Impacts Your Home Search!

Some Highlights from the above PDF. 1. If your workplace is delaying its return to office plans or is allowing permanent work from home options, that may open up new possibilities for your home search. 2. Ongoing remote work could give you the chance for a change in scenery, a move to an area with a lower cost of living, or finding a home with more home office space. 3. If you want to learn more about how remote work can give you more options, let’s connect to discuss your situation and priorities for your home search.

Mortgage Rates Leap Toward 4.0% AfterJobs Report Shocker!

Rates have been trending higher in fits and startssince August 2020, but themortgage market wasinsulated from much of the pain due to its disconnect from Treasuriesin 2020 (they typically correlate very well). In fact, mortgage rates were falling throughout the 2nd half of 2020 while 10yr yields were steadily rising. Continue the read in the above PDF.

January 2022 Monthly Market Report

Our Monthly Market Report is a comprehensive walkthrough of the most up-to-date information regarding the real estate market.

The Top Indicator if You Want To Know Where Mortgage Rates Are Heading

Mortgage rates have increased significantly since the beginning of the year. Each Thursday, Freddie Mac releases its Primary Mortgage Market Survey. According to the latest survey, the average 30-year fixed-rate mortgage has risen from 3.22% at the start of the year to 3.55% as of last week. This is important to note because any increase in mortgage rates changes what a purchaser can afford.

Why Pre-Approval Is Key for Homebuyers in 2022

You may have heard that it’s important to get pre-approved for a mortgage at the beginning of the home buying process, but what does that really mean, and why is it so important? Especially in today’s market, with rising home prices and high buyer competition, it’s crucial to have a pre-approval letter prior to making an offer. Here’s why. Being intentional and competitive are musts when buying a home this year. Pre-approval from a lender is the only way to know your true price range and how much money you can borrow for your loan. Just as important, being able to present a pre-approval letter shows sellers you’re a qualified buyer, something that can really help you land your dream home in an ultra-competitive market. With limited housing inventory, there are many more buyers active in the market than there are sellers, and that’s creating some serious competition. According to the National Association of Realtors (NAR), homes today are receiving an average of 3.8 offers for sellers to consider. As a result, bidding wars are still common. Pre-approval gives you an advantage if you get into a multiple-offer scenario, and these days, it’s likely you will. When a seller knows you’re qualified to buy the home, you’re in a better position to potentially win the bidding war. Freddie Mac explains: “By having a pre-approval letter from your lender, you’re telling the seller that you’re a serious buyer, and you’ve been pre-approved for a mortgage by your lender for a specific dollar amount. In a true bidding war, your offer will likely get dropped if you don’t already have one.” Every step you can take to gain an advantage as a buyer is crucial when today’s market is constantly changing. Interest rates are rising, prices are going up, and lending institutions are regularly updating their standards. You’re going to need guidance to navigate these waters, so it’s important to have a team of professionals such as a loan officer and a trusted real estate advisor making sure you take the right steps and can show your qualifications as a buyer when you find a home to purchase. Bottom Line In a competitive market with low inventory, a pre-approval letter is a game-changing piece of the home buying process. Not only does being pre-approved bring clarity to your home buying budget, but it shows sellers how serious you are about purchasing a home.

Mortgage Rates Overview and Conclusion

Mortgage Rates 101, Part 8:Overview/ Conclusion

Securitization and MBS

Mortgage Rates 101, Part 7: Securitization and MBS

Locking Your Mortgage Rate

Mortgage Rates 101, Part 6: Locking Your Mortgage Rate

What Causes Mortgage Rates to Change?

Mortgage Rates 101, Part 5: What Causes Mortgage Rates to Change?

How Are Mortgages Determined?

Mortgage Rates 101, Part 4: How Are They Determined?

What is an APR?

Mortgage Rates 101, Part 3: What is an APR?

Basic Parts of a Mortgage

Mortgage Rates 101, Part 2: Basic Parts of a Mortgage

What is a Mortgage?

Mortgage Rates 101, Part 1: What is a Mortgage?

Housing Connection

Prices in 19 of 20 Case-Shiller Cities at All-Time Highs. Annual increases in each of the three S&P CoreLogic Case-Shiller indices slowed fractionally from October to November. However, the rate of appreciation in the House Price Index (HPI) produced by the Federal Housing Finance Agency (FHFA) increased slightly. Case-Shiller’s U.S. National Home PriceNSA Index, which covers all nine U.S.census divisions, was 18.8 percent higher in November than 12 months earlier. The annual increase in October was 19.0 percent. The 10-City Composite’s annual gain was 16.8 percent, down from 17.2 percent the prior month while the 20-City Composite slowed from 18.5 percent in October to an 18.3 percent year-over-year gain.

The Cost of Waiting in 2022

The cost of waiting today...can be significant. Planning your refinance or purchase is the most financially intelligent move you can make in these crazy covid climates. This Cost Analysis will be added to every Friday as rates increase and costs climb. You can look back on historical rates this way to establish when the best time to move was and use them to speculate the best future moves.

2022 Housing Market Forecast

Are you wondering what this years real estate market will look like? Check out this PDF for our predictions! Don't forget to check out the current real estate market in your area by clicking here https://hmbt.co/FEGQ3W or see how much your home is worth here www.marketcomparewatch.com

Avoid the Rental Trap in 2022

If you’re thinking of renting this year, it’s important to keep in mind the true costs you’ll face. Let’s connect so you can see how you can begin your journey to homeownership today. Check out the market here https://hmbt.co/FEGQ3W or feel free to call us at 970-668-0880.

What’s Going To Happen with Home Prices This Year?

2022 home price appreciation might slow (or decelerate) in 2022. However, based on supply and demand, you shouldn’t expect the deceleration to be swift or deep. Read more about the 2022 home prices above!

What will your monthly mortgage payment be?

Wondering how much you should expect to pay on a new monthly mortgage? Check out this example on a loan amount of $280,000, with a 5% interest rate... Don't worry, we can beat a 5% interest rate, which will lower you monthly payment! Feel free to contact us for more information.

Highest Mortgage Rates in Nearly 2 Years

Seemingly overnight, the mortgage rate narrative has changed rather drastically, at least in relative terms. While rates had risen gradually from near-all-time lows in August, they were still in a historically low range by the end of December. A week later and we're at the highest levels in 2 years. There are all kinds of ways to quantify the movement, but a chart provides the clearest picture. Kindly continue the read above by clicking on the PDF.

Why Inflation Shouldn’t Stop You from Buying a Home in 2022

If you’re following along with the news today, you’re probably hearing a lot about record-breaking home prices, rising consumer costs, supply chain constraints, and more. And if you’re thinking about purchasing a home this year, all of these inflationary concerns are likely making you wonder if you should wait to buy. Investopedia explains that during a period of high inflation, prices rise across the board. And while home prices aren’t immune from this increase, here’s why inflation shouldn’t stop you from buying a home in 2022. Continue the read by clicking on the PDF above. Feel free to contact us with any questions. WE'VE GOT YOU COVERED!

A Millennial’s Guide to Homeownership

If you are one of the millions of millennials who has seen their peers begin to buy homes recently and are wondering what it would take for you to do the same... you’ve found the right eGuide! There are many stereotypes and myths about the millennial generation as a whole, AND about what it takes to buy a home in today’s market. These myths have prevented many millennials from even considering homeownership as an option for them and their families. The goal of this eGuide is to provide you with the information you will need to make the best decision for you and your family in regards to homeownership. We will break down the myths and stereotypes that have long been believed to be true, as well as shed light on the opportunity you have to build wealth using your monthly housing cost.

Introducing The “Not So Fast” Line

Sure, we could write a headline that attempts to distill the concept of a big picture struggle between the forces exerting upward pressure on rates and those stepping in to push back in the other direction. Or we could just introduce the "not so fast" line, and let a chart do the talking.

Things to Consider When Selling Your House (Winter 2022)

Selling your home can be stressful, but we can help! Check out our Sellers Guide for tips and tricks!

Things to Consider When Buying a Home (Winter 2022)

Looking to purchase a home in 2022? Check out our guide for all the tips and tricks you will need to be prepared to get your offer accepted in this sellers market! To search the current market, please go to https://hmbt.co/FEGQ3W

Volatility Has Been High, But Next Week Could Be Worse

Financial market volatility increased noticeably after the emergence of the omicron variant. Last week, that proved to be good for rates and bad for stocks. This week was a different story. While the collective view of omicron remains cautious, several high profile comments pushed back against the defensive reaction seen in the previous week. Stocks eagerly bounced back toward pre-omicron levels and bonds reluctantly followed. Continue to read this article by clicking on the PDF above and feel free to contact us with questions at 970-668-0880.

Stop Wasting Your Money on Rent… Buy Now!

Choosing the right lender and agent is important when you are looking for the perfect home for you and your family! WE'VE GOT YOU COVERED! We are your competitive edge in a Seller’s Market. Let's Chat! Check out the market here https://hmbt.co/FEGQ3W, or call us with any questions at 970-668-0880.

Should We Be Worried?

Several developments are converging on the global economy and financial markets at the moment. Each bring sits own causes for concern. Together, they bring a significant increase in volatility. Should we be worried about Omicron? Answering such questions is beyond the scope of this newsletter. What we can say is that the financial market is clearly asking itself this question and the effects are obvious. Stocks had been flat in the weeks leading up to omicron and bonds had been moving higher in yield. Post-omicron and they've entered into a familiar risk-aversion pattern marked by lower stock prices and bond yields. Continue to read this article by clicking on the PDF above and feel free to contact us with questions at 970-668-0880.

New Covid Variant Rocks Markets; New Loan Limits Next Week

Just when it looked like the current week would fizzle out on a negative note for rates, our least favorite market mover is back in the news. B.1.1.529 (designated now as"Omicron"), a new covid variant hit the market like a ton of bricks on Friday morning. 48 hours earlier, Google had never heard of it. Search interest began to ramp up on Thanksgiving Day. By Friday, it's an utterly pervasive headline. Continue to read this article by clicking on the PDF above and feel free to contact us with questions at 970-668-0880.

January Monthly Market Report

Welcome to your January Monthly Market Report.

Re-invest your equity into a money making opportunity!

Re-invest your equity into a money making opportunity!

Refinance to Renovate

Here is how it would look like if you refinance to pull out cash to renovate.

1849 Homestead Road Greeley, CO 80634 – TCA

Welcome to the personal Total Cost Analysis for a home loan for this property address. Here you can compare our different loan products from a short and long term perspective. Thank you for letting us be your partner in your mortgage experience. Please let us know if you need help in any way.

Buy Now…save $$$

Rates are going UP...inventory is still down. To get your new home, act aggressively, make strong offers with strategies to beat the others. If you work with a strong Realtor and Lender --you'll win.

High Balance Loans ( > 647k ) Are About To Get Very Expensive

Hello, I wanted to get this critical information out about a change FHFA (Fannie Mae) made. The change will impact your costs on obtaining financing on a second home and loans above 647k, which is called "high balance." The video above has all of the essential info if you plan to purchase a 2nd home soon. Rates are going up for loans over $647,000 after April 1. Lock by Valentines Day to avoid this extra cost. Link to the announcement - https://singlefamily.fanniemae.com/media/30326/display

Second Homes Purchase ( > 647k ) Are About To Get Very Expensive

Hello, I wanted to get this critical information out about a change FHFA (Fannie Mae) made. The change will impact your costs on obtaining financing on a second home and loans above 647k, which is called "high balance." The video above has all of the essential info if you plan to purchase a 2nd home soon. Rates are going up for loans over $647,000 after April 1. Lock by Valentines Day to avoid this extra cost. Link to the announcement - https://singlefamily.fanniemae.com/media/30326/display