If you can’t decide between condo and home ownership, there are a few things to consider, based on your lifestyle. Both are investments that can increase in value over the years, but they offer very different living conditions.
Condo ownership offers advantages for those that like a maintenance-free lifestyle and like the security of having other [...]

Even if you don’t have children, you should know the facts about the school district of homes you are looking at. Not only will it affect your resale value, if you are in a bad school district, but you never know if you will have a child through marriage, or on your own, that might [...]

Remodeling you home?
New Construction
Many families come to the conclusion that they need more space. The home you live in may no longer meet your needs as your family has grown or you want an office or games room and just don’t have the space to accommodate the changes you want make. There are two choices [...]

Whether buying in Colorado, Montana, Virginia, or anywhere else — Most lenders will require that you get a home appraisal as part of your closing procedure and it can dictate how much the loan value will be. If you are applying for a loan with 10% down, it will mean that the lender will only [...]

Right now, the government may be supplementing down payments for many first time homebuyers, but those that are not first time buyers can still get homes financed with small down payments because of Private Mortgage Insurance or PMI. If you want to purchase a home with less than 20% down, PMI or Private Mortgage Insurance [...]

Photo by pink_fish13If you have been looking at getting a residential mortgage in the Boulder area, there are a few things that a conforming loan can require that non-conforming mortgages don’t require. Conforming loans are those that use standardized forms that are approved by Fannie Mae and Freddie Mac. These loan documents apply to national [...]

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If your employer offers a 401K and you are thinking of it as a savings account, you are only part right. It is a savings account for your retirement and the idea of a 401K is that it is money deducted from your paycheck before taxes and deposited into an investment account of [...]

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The difference between custom builders and production builders can make a dramatic difference in the quality of the home you have built and the price. Most custom builders will build unique homes that have all the features you want and none of them you don’t need. Production builders try to consider [...]

You’re all excited about moving into your new Boulder home as closing day approaches. Then you find out that the seller doesn’t want to move until after the closing is complete. Sometimes, this has already been provided for in the real estate contract. If not, there will need to be addendums, possible escrow accounts set [...]

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For those that are looking at homes in a subdivision, you might have heard a Realtor or builder throw around the term “spec home”, but not know what it means. “Spec homes” got their name because they are homes that are built by builders with “speculative” hopes of selling them to [...]