Quick answer: If you are buying a home in Elbert County, parts of Douglas County like Franktown or Elizabeth, Park County, or rural Larimer County, there is a good chance the home runs on a private well instead of municipal water. Colorado's Division of Water Resources issues the permit that controls what the well can be used for, and the permit transfers with the property. During your inspection...
Quick answer: A reserve study is the HOA's professional assessment of long-term capital needs (roof, elevator, paint, parking lot, boiler) and how well-funded the reserve account is to cover them. A reserve account that is less than 30 percent funded is high risk for special assessments. Above 70 percent is strong. Colorado's HB22-1137 requires reserve studies every 5 years for many HOAs as of 2022. Before...
Quick answer: House hacking means buying a multi-unit property (duplex, triplex, or home with a legal ADU), living in one unit, and renting out the others to cover most or all of your mortgage. In Colorado, FHA loans allow you to buy a 2-4 unit property with as little as 3.5% down if you live in one unit. What House Hacking Actually Looks Like in Colorado I get asked about investment properties a lot,...
A realistic breakdown of every cost involved in relocating to Colorado - from moving trucks and closing costs to altitude adjustments and vehicle registration.
Most first-year Colorado homeowners spend $8,000 to $15,000 beyond their mortgage. Here is a month-by-month breakdown of where that money goes and how to plan for it.
Summer is Colorado's busiest home buying season, but more inventory means more options. Here's how to stand out without overpaying in the 2026 market.
Quick answer: Student loan debt does not disqualify you from buying a home in Colorado. Lenders look at your debt-to-income ratio, not the total balance owed. With income-driven repayment plans and Colorado-specific assistance programs, many borrowers qualify for more than they expect. Student Loans Don't Disqualify You - Here's What Actually Matters I talk to buyers every month who assume they can't buy...
Your credit score affects your mortgage rate, loan options, and down payment. Here's what Colorado buyers need to know about credit and how to improve it before applying.
Here's something I see all the time: a buyer falls in love with a home, writes an offer, and then agonizes over which contingencies to include. Should they waive the inspection? Keep the appraisal contingency? What about financing? I get it. In a market where you're competing with other offers, it feels like every contingency you add makes your offer weaker. But here's the thing - contingencies exist to...
Every few weeks, someone asks me about buying a foreclosure in Colorado. The appeal makes sense: you get a house below market value, build instant equity, and maybe even flip it for a profit. But the reality of buying a foreclosure is a lot more complicated than most people expect. I want to walk you through what the process actually looks like here in Colorado so you can decide if it's the right move for...
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