If you are planning to sell this summer, here is something to keep in mind: you will have company. Inventory across the Denver metro has been climbing all spring, and it usually peaks in May and June. More homes for sale means buyers have more to choose from, and that changes how you need to show up. The good news is that most sellers do not adjust. They list the way people listed in 2021, when almost...
Most mortgage advice assumes you get a W-2 and a steady paycheck. If you run your own business, that advice can feel like it was written for someone else. I hear it all the time from clients in Parker and across the south metro: "I make good money, but every lender treats me like a risk." You are not a risk. You just have a different paper trail. Once you understand what lenders are actually reading,...
Something shifted in the Colorado market this year, and you can see it in how deals are getting done. A couple of springs ago, sellers held all the cards and buyers waived everything just to win. That's not where we are now. Homes are taking longer to sell, buyers have a little more room to ask, and one tool keeps showing up at the closing table again: the seller concession. If you're selling and you've...
Here's a number that surprises almost everyone I work with: the gap between the average mortgage rate from 2021 and what you'd pay today is wide enough to change your whole monthly budget. A buyer who locked in around 3% back then is sitting on a payment that looks nothing like what a new loan would cost in 2026. So it's fair to ask the question more buyers are asking me lately: can you just take over that...
I've been watching the Colorado market closely this June, and the picture is more interesting than the headlines suggest. Rates moved sideways. Inventory kept building. And buyer behavior is shifting in a way that's creating real openings, especially for people who've been waiting on the sidelines. Here's where things actually stand mid-June 2026, and what it means if you're thinking about buying or...
Most people I talk to about home loans have never heard of the USDA Rural Development loan. Or if they have, they assume it's only for farmers. It isn't. And in a lot of Colorado, you can use it to buy a regular suburban home with zero down payment. I had a client last spring who almost passed on a great house outside Elizabeth because she thought she needed a 5% down payment she didn't have. Turns out...
If you're getting ready to sell a home in Colorado this year, the seller disclosure form is one of the documents you'll feel the most anxiety about. And honestly, you should take it seriously. It's the place where most post-closing lawsuits in Colorado start. Get it right and you protect yourself for years. Get it wrong and you're inviting a problem that won't show up until the buyer's first big repair...
One of the questions I get most from first-time buyers in Colorado is whether bringing a co-signer onto their mortgage can help them get into a home sooner. The short answer is yes, sometimes. The longer answer is that a co-signer can be a real lifeline, or a problem that takes years to untangle, depending on who it is and how the loan is set up. I had a client this spring whose parents stepped in to help...
Most home sellers leave $10,000 to $50,000 on the table because of one or two fixable mistakes, and first-time sellers make those mistakes more often than seasoned ones. Selling a home isn't the reverse of buying one. Different rules, different emotions, different financial stakes. After helping hundreds of Colorado families through the process, I see the same patterns over and over. If you're getting...
Picture this, you're under contract on a Colorado home, you waived nothing risky, and then the appraisal lands $20,000 below the purchase price. It happens more often than buyers think, especially in a market like ours right now where inventory is up but a handful of well-priced homes still draw multiple offers. The good news is, a low appraisal isn't the end of the deal. It's a negotiation moment, and how...
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