About half of all homes in Colorado have radon levels high enough that the EPA recommends doing something about them. That is not a scare statistic - it is just the reality of living on top of the kind of soil and rock we have here. The good news is that radon is one of the easiest home problems to find and fix, as long as you actually test for it. If you are buying or selling a home in the Denver metro,...
Most people I meet who qualify for Colorado's senior property tax exemption have no idea it exists. I've sat at closing tables in Parker and Highlands Ranch with sellers in their 70s, owners who had been in the same house for decades, and when I mentioned the exemption they looked at me like I'd handed them a coupon they were never told about. So let's fix that. If you're 65 or older and you've owned your...
In much of Colorado, the minerals under your home may belong to someone else. Here is what a severed mineral estate means and how to check before you buy.
You found the perfect lot in Franktown, or maybe you have a builder lined up in Castle Pines, and then you hit the question nobody prepared you for: how do you actually pay for a house that does not exist yet? Building a home is different from buying one, and the financing works differently too. A regular mortgage funds a finished house. A construction loan funds the process of building it, in stages, with...
A reverse mortgage lets Colorado homeowners 62 and older tap home equity without a monthly payment. Here is how HECM loans work, the catches, and who they help.
The Loan Estimate and Closing Disclosure tell you what your Colorado mortgage really costs. Here is how to read them and compare the two before you sign.
One of the questions I hear most from Colorado investors who are sitting on a property that's gone up in value is some version of, "I want to sell, but the tax bill is going to be brutal. Is there a way around it?" The answer, for the right situation, is a 1031 exchange. It's not a loophole. It's a section of the IRS code that lets you defer capital gains tax when you swap one investment property for...
Most people don't think about a home warranty until something breaks. The furnace stops working in February, the dishwasher floods the kitchen, the AC quits during a 95-degree week in Aurora. That's the moment you find out exactly what your warranty actually covers, and a lot of buyers are surprised by what it doesn't. I get questions about home warranties almost every week, usually from first-time buyers...
Most buyers I work with treat a listing page like a brochure. They look at the photos, glance at the price, and decide whether to tour. But a listing is also a document, and once you know how to read it, you can spot motivated sellers, hidden problems, and pricing strategy a mile away. This skill saves my buyers real money. Not in some abstract way, but in actual offers that get accepted at $15K or $30K...
Most homeowners think their only options for lowering their monthly mortgage payment are refinancing or paying off the loan early. There's a third option, and almost nobody talks about it. It's called a mortgage recast, and for a small subset of Colorado homeowners right now, it can be the cleanest move on the table. I've had this conversation three times in the past month, all with clients who came into...
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