Moving to Colorado for work? Learn how mortgage pre approval works before you move, which job documents count, and when disclosures arrive.
Denver Mortgage Market Update: What Higher Rates Mean for Colorado Homebuyers Week of September 21, 2026 Mortgage rates moved higher following the Federal Reserve’s September meeting—but that doesn’t mean Colorado homebuyers are out of options. Denver-area buyers continue to benefit from slower sales, longer market times and motivated sellers on certain properties. The key right…
Troy’s bottom line Mortgage rates moved higher last week, and this morning’s Treasury market signals additional pressure. Freddie Mac’s weekly 30-year average reached 6.76%, while a real-time national tracker ended Friday above 7%. The 10-year Treasury briefly crossed 5% this morning. For Denver buyers, the opportunity is negotiating the financing—not waiting indefinitely for rates. Seller…
Thinking About Buying a Condo? Here’s What Just Changed. If you’re buying, selling, or working with condos, there are some important rule changes you should know about. In March 2026, Fannie Mae and Freddie Mac updated the standards lenders have to follow when financing condo properties. Some changes make things easier. Others add new requirements…
Why Oil Prices Affect Mortgage Rates When people think about mortgage rates, they usually picture the Federal Reserve or maybe the 10-year Treasury yield. Fair—but here’s what most buyers miss: Oil prices are one of the silent drivers behind where mortgage rates go next. And if you understand this relationship, you can start to anticipate…
The Denver real estate market has entered a new phase—and if you’re buying, selling, or investing, understanding these trends can give you a serious advantage. After years of extreme highs and rapid appreciation, 2026 is shaping up to be a year of balance, strategy, and opportunity. Let’s break down Denver Real Estate Market Trends in…
When you’re buying or refinancing a home, one of the biggest decisions you’ll face is whether to “buy down” your interest rate. It sounds simple—pay more upfront to get a lower monthly payment—but the real question is: does it actually make sense for you? Let’s break it down in a way that helps you make a…
If you’ve been renting in Denver for the past few years, you’ve probably noticed something: rent isn’t getting cheaper. In many cases, renters are paying just as much — or even more — than they would for a mortgage payment on a condo or townhome. For many people, buying a 2-bedroom, 2-bathroom home in Denver…
If you’re a first-time home buyer, chances are you’ve heard this before: “You need 20% down to buy a house.” Let’s clear this up right now—that’s one of the biggest myths in home buying, and it stops a lot of great buyers from getting into homes years later than they need to. The Truth: You…
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…
