Lenders and home loan mortgages

Finding the Right Home Mortgage Lender in The Denver Mountains and Foothills

2022-07-23

One of the biggest decisions you’ll make as a homebuyer is also one of the most complex: choosing a lender. Home mortgage lenders are often local and regional banks, credit unions, or online mortgage brokers who can help you identify financing options based on your creditworthiness, risk profile, and financial circumstances. To begin your home loan search, find out if you qualify for an affordable housing loan or other program that might reduce your down payment or interest rate. If not, start researching private lenders from personal contacts and real estate agents to local directories such as the Yellow Pages or websites like www.HRAClenders.com. The right lender may be closer than you think! Here are a few tips to help you choose the right home mortgage lender:Continue Reading

Real Estate News:
Understanding Realtors and Real Estate Agents
Dan Skelly Real Estate Agent CO and FL

The terms "Realtors" and "Real Estate Agents" are often used interchangeably, but they are not synonymous. While both are licensed to sell real estate, there are key differences in their qualifications, responsibilities, and affiliations. This comprehensive guide aims to demystify these roles, helping you make an informed decision when buying Read more

Buying a Home in Evergreen Colorado – Dan Skelly
Real Estate Agent Danny Skelly

I'm Dan Skelly, the Broker/Owner/Agent at Orson Hill Realty in Evergreen, Colorado. I'm here to provide you with a comprehensive guide on buying a home in Evergreen, a picturesque town nestled in the foothills of the Rocky Mountains.

Evergreen CO Land for Sale
Evergreen CO Colorado

Investing in Evergreen CO Land for Sale: Your Complete Guide Surge in Demand for Land in Evergreen, Colorado The scarcity of available homes in Evergreen and the surrounding Denver Foothills has led to a marked increase in interest for land for sale in Evergreen CO. Buyers are now more inclined Read more

Denver Mountain Homes For Sale – Before Buying Things You Need to Know
Denver Mountain Homes for Sale

The buyer must have a desire to buy, and the seller must have a sincere desire to sell the property, provided that both parties have expressed their desire to the other party. The buyer and seller must aim to conclude a contract of sale.

Upsize or Downsizing in 2022

2022 is a Great Year To Upscale or Downsize Your Home

2022-02-12

Homeownership is one of the most important decisions you will make in your lifetime. With housing markets constantly changing, it can be hard to know what’s best for your family. But there’s good news! There are many homes on the market that are perfect for either upsizing or downsizing. Check out this list of six reasons why 2022 is a great year to consider either option.Continue Reading

Real Estate News:
Real Estate Agents Evergreen Colorado
Real Estate Agent

Evergreen, Colorado, has plenty of property for sale in this perfect little mountain town. Evergreen is one of the most desirable areas in the Denver foothills of Colorado. With a population of more than 25,000, this residence is close to Denver and the world-class ski resorts of Breckenridge and Vail. Read more

Selling Your Home in a Seller Market – Getting Ready to List
Selling Your Home Listing Tips

Selling your home in sellers market is not as easy and guaranteed as one might think. Real estate agents may give you a false expectation that you can just throw any home on the market at any price and buyers will just buy it because of the market. There are Read more

Danny Skelly Real Estate Agent Spotlight
Orson Hill Realty Luxury Agents

Real estate agent/broker/owner Danny Skelly specializes in helping clients buy and sell homes in the Denver mountain areas such as Evergreen, Conifer, Bailey, Genesee, Golden, Indian Hills, Kittredge, Pine and Morrison areas. Danny Skelly is an experienced Mountain Home Expert.

Luxury Home Builders in Colorado
Luxury home builders

Luxury Home Builders in Colorado: Is Building a Luxury Home the Best Option in 2021? When inventory is low people always turn to building their luxury homes. This may not be the right choice for everyone. Luxury home builders are seeing a slight uptick as they always do in seller Read more

Home Mortgages

How to Know if You Qualify for a Home Mortgage: A Simple Guide

2021-08-25

1. Do I qualify for a mortgage? It’s important to think about what your monthly payment will be in a financial capacity. You need to figure out if you have enough income to make your monthly mortgage payments and still have money left over. Some lenders will ask for a basic income tax and/or W-2 information. Others will ask for additional tax information.Continue Reading

Real Estate News:
Why Golden Colorado is a Great Place to Call Home..
Golden-CO

With the population of Golden, CO rapidly growing and more people moving to the area, it's becoming difficult to find a place you can call home. The good news is that there are many reasons why this city is the perfect place for you. Here are six of them!

More People Seem to Be Downsizing
Downsizing Your Home

Whether the kids have moved out or you just aren't using the extra bedrooms, having a house that feels 'too big' is rarely fun. In today's post, we will share a few changes you can expect when you downsize from a large house to a smaller apartment or condo.

Waterfront Living in Fort Myers Beach, Florida
Florida Homes for Sale

A Guide To Waterfront Living in Fort Myers Beach, Florida. Fort Myers Beach is a beautiful and diverse waterfront community. Many people just passing through the city don’t realize that many houses here overlook the Gulf of Mexico and have access to some of the world’s best fishing. The town Read more

Colorado Real Estate Market Fall 2021 Update
Orson Hill Realty

The Colorado real estate market is starting to calm going into the fall of 2021. It is still a seller's market but we aren't seeing the panic buying from buyers. Colorado no longer has a "selling season" but things always tend to level off in the fall as families work Read more

Inflation and home prices

How Does Inflation Affect The Real Estate Market?

2021-07-14

When inflation rises it seems like the price of everything goes up. Although low interest rates are a major cause of inflation it still makes home prices rise. Does that mean it is better to buy with cash or get a mortgage when inflation increases. If interest rates rise then buyer’s home purchase power goes down.

Continue Reading

Real Estate News:
Buying A Home In A Seller’s Market
Sellers-Market

If buyers are trying to offer sellers cheap deals to buy a home in a sellers' market, now may not be the time to buy. The news of a lack of building materials and the number of houses available can make you think if this is the best time to Read more

Denver Foothills – Close Enough to the City but far enough away
Denver Foothills

The Denver Foothills is without a doubt the best place to live in Colorado and arguably the country. It is close to Denver but far enough away. That isn't a slam to Denver but most people that move to Colorado come to Colorado for fresh air, elbow room and the Read more

What is the Difference Between an ILC and a Land Survey?
Land-Survey-VS-ILC

What is the difference between and ILC and a Land Survey? Most title companies and lender will accept an ILC which is cheaper than a land survey but aren't as exact or time consuming as land surveys. Usually, a county or town will require a more detailed survey for building Read more

Southwest Florida Best Towns to Live
Southwest Florida Home

Southwest Florida is a wonderful place to live, and there are many great towns to choose from. Of the many small towns in the region, here are some of the best ones you should consider living in: Cape Coral, Sanibel Island, Lehigh Acres, Sarasota, Fort Myers Beach, and Naples. These Read more

Home loans and mortgages

Getting Financing for Buying a Home: What You Need to Know

2021-07-12

Lenders are constantly changing the parameters and terms for obtaining financing. Most people still need to get a loan to purchase a home. There are more cash buyers in some areas but most Americans still finance their home. With mortgage rates at historic lows, money is almost free to borrow. Getting financing is not as difficult as you might think in 2021.Continue Reading

Real Estate News:
Finding the Right Home Mortgage Lender in The Denver Mountains and Foothills
Lenders and home loan mortgages

One of the biggest decisions you’ll make as a homebuyer is also one of the most complex: choosing a lender. Home mortgage lenders are often local and regional banks, credit unions, or online mortgage brokers who can help you identify financing options based on your creditworthiness, risk profile, and financial Read more

How Does Student Debt Impact You Buying a Home?
Student Debt

Student Debt and Buying a Home Whether you are just about to graduate college or you have been out for a few years, there's a good chance you're carrying some amount of student loan debt. It seems that news headlines are regularly pointing out that the nation's graduates are suffering Read more

How to Know if You Qualify for a Home Mortgage: A Simple Guide
Home Mortgages

1. Do I qualify for a mortgage? It's important to think about what your monthly payment will be in a financial capacity. You need to figure out if you have enough income to make your monthly mortgage payments and still have money left over. Some lenders will ask for a Read more

How Does Inflation Affect The Real Estate Market?
Inflation and home prices

When inflation rises it seems like the price of everything goes up. Although low interest rates are a major cause of inflation it still makes home prices rise. Does that mean it is better to buy with cash or get a mortgage when inflation increases. If interest rates rise then Read more

Land-Survey-VS-ILC

What is the Difference Between an ILC and a Land Survey?

2021-07-10

What is the difference between and ILC and a Land Survey? Most title companies and lender will accept an ILC which is cheaper than a land survey but aren’t as exact or time consuming as land surveys. Usually, a county or town will require a more detailed survey for building and addition projects.Continue Reading

Real Estate News:
Real Estate Agents Evergreen Colorado
Real Estate Agent

Evergreen, Colorado, has plenty of property for sale in this perfect little mountain town. Evergreen is one of the most desirable areas in the Denver foothills of Colorado. With a population of more than 25,000, this residence is close to Denver and the world-class ski resorts of Breckenridge and Vail. Read more

More People Seem to Be Downsizing
Downsizing Your Home

Whether the kids have moved out or you just aren't using the extra bedrooms, having a house that feels 'too big' is rarely fun. In today's post, we will share a few changes you can expect when you downsize from a large house to a smaller apartment or condo.

Denver Mountain Real Estate Agents – Buying and Selling a Mountain Property is Not For City Agents
Denver-Mountain-Real-Estate-Agents

Before deciding to sell your home, it's helpful to have a clear understanding of how much it will cost. Whether you're repainting things, replacing roof membranes, or just paying taxes, you're going to have to pay some bills. Let's take a quick look at some of the real costs you Read more

Why Local Boutique Real Estate Companies Rock: Why should you choose a local boutique real estate company over a national one?
Orson Hill Realty Luxury Agents

Choose a small local real estate company and not a national one. Just for starters money national companies make are put back into markets that don't help you. They charge franchise and hidden fees. The agent usually has a large split so they can't reduce your rates as much as Read more

Student Debt

How Does Student Debt Impact You Buying a Home?

2021-06-30

Whether you are just about to graduate college or you have been out for a few years, there’s a good chance you’re carrying some amount of student loan debt. It seems that news headlines are regularly pointing out that the nation’s graduates are suffering from the stress of student debt.Continue Reading

Real Estate News:
Luxury Home Builders in Colorado
Luxury home builders

Luxury Home Builders in Colorado: Is Building a Luxury Home the Best Option in 2021? When inventory is low people always turn to building their luxury homes. This may not be the right choice for everyone. Luxury home builders are seeing a slight uptick as they always do in seller Read more

What Types of Home Inspection Should Buyers Get?
Types of Home Inspections

There are many types of home inspections. A few of them depend on the region you are purchasing your new home. Buyers should always get a general home inspection, radon and depending on the are there are well, septic and other inspection types. You may need to get a roof Read more

Tips for Finding the Best Real Estate Agent in Colorado
Real Estate Agent

It seems everyone knows at least 20 real estate agents. The question is do you know the BEST real estate agents in Colorado? Most likely not. That is why it is important to look hard when looking for the best realtors in your area. Your cousin's nephew just out of Read more

Why You Need to Use a Real Estate Agent
Real Estate Agent

There are countless reasons to use a real estate agent when you buy or sell your home. One big reason is buyers usually don't pay the agent and sellers usually make more money when selling with an agent. Then there are the legal reasons. Also security reasons. You should always Read more