Equity Building & Long-Term Investment When you buy, you build equity every month with your mortgage payments, rather than sending money to a landlord. With a 4-bed / 3-bath, you’re likely buying a larger home, so your per-month payment is going into a more valuable asset. Appreciation Potential Denver’s real estate market is…
The Federal Reserve (the U.S. central bank, not the government itself) has announced it will end quantitative tightening (QT), effective December 1, 2025, which is effectively a pause in monetary policy tightening rather than a full shift to quantitative easing (QE). Ending quantitative tightening (QT) is expected to put downward pressure on mortgage rates, though the…
If you’re considering whether to keep renting or take the plunge into homeownership, here’s a compelling look at how a 3-bedroom, 2-bath home in the Denver, Colorado area stacks up — and how buying can sometimes be the smarter move. 1. The Rental Market Realities For 3-bedroom rentals in Denver, average monthly rents are around $2,700…
You might disagree with some of the provisions, or question its fiscal prudence, but President Trump’s One Big Beautiful Bill Act (OBBBA) is now a law. As such, it’s important to understand the implications for homeowners and real estate professionals. Overall, the OBBBA was a big win for real estate: it extended and/or permanently enshrined…
When considering whether to opt for a Home Equity Line of Credit (HELOC) over a cash-out refinance, especially when you have a low interest rate on your current mortgage, there are several advantages to choosing a HELOC: Preservation of Low Interest Rate on First Mortgage: A HELOC allows you to tap into your home’s equity…
A Home Equity Line of Credit (HELOC) is a versatile financial tool that allows homeowners to tap into the equity of their property. This line of credit can be used for various purposes such as debt consolidation, home improvements, or covering tuition fees. Here, we will delve into how HELOCs work and how they…
New Real Estate Commission Laws Regulatory Changes: Recent changes in real estate commission laws, such as those regulating how commissions are disclosed and negotiated, impact both buyers and sellers. For instance, some jurisdictions are moving toward greater transparency, requiring clearer disclosures about commission structures and any potential conflicts of interest. Buyer and Seller Responsibilities: Laws…
When the Federal Reserve (Fed) decides to lower interest rates, it is often met with optimism from the public and markets alike. The expectation is that cheaper borrowing costs will follow, potentially benefiting consumers looking to buy homes or refinance their mortgages. However, the reality is that a reduction in Fed rates does not directly…
Tired of Putting Off Buying Your Dream Home? Are you tired of postponing your dream home purchase because of the daunting task of saving for a down payment? Ask us about our 0% Down Purchase home loan program, designed to help you get into your new home without the need for an upfront down payment.…
Windsor’s population surged by 23.3% over the past three years, making it one of the fastest-growing larger municipalities in the U.S., according to the U.S. Census Bureau. Straddling the Larimer/Weld county line, Windsor’s population grew from 32,712 on July 1, 2020, to 40,349 by July 2023. This ranks Windsor as the 23rd fastest-growing municipality by…
