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

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. Read more

Colorado Luxury Homes and Real Estate
Colorado Luxury Homes

Will the Colorado luxury home market continue to rise? We say yes! The demand has never been higher and inventory has never been so low. 2021 is a great year for seller in all price points including the luxury sellers. As a luxury real estate agent, I have seen an Read more

Living in the Denver Foothills: Scenic Mountain Living
Denver-Mountain-Town

Evergreen: Known for its stunning landscapes and outdoor activities. Conifer: A smaller community with a focus on nature and local businesses. Morrison: Famous for the Red Rocks Amphitheatre and its historic downtown. Golden: Offers a mix of outdoor adventures and cultural experiences. Idaho Springs: A historic town that serves as Read more

Denver Colorado Real Estate Market
Denver Colorado

Denver, Colorado The city offers kilometres of asphalt roads and paths connected by a variety of dirt roads and mountain biking adventures. Uptown is a long line of cafes, bistros, pubs and outdoor terraces as well as the city's largest green space, City Park, which contains the Denver Zoo and Read more

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:
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.

Real Estate Agents
Dan Skelly Real Estate

In today's complex real estate market, the role of a real estate agent is more crucial than ever. Whether you're buying, selling, or leasing property, an agent serves as your advocate, advisor, and negotiator. But what exactly do real estate agents do? This article aims to demystify the various responsibilities Read more

How a Realtor Can Help You Maximize Your Home’s Value in Evergreen Colorado
Dan Skelly Realtor

Maximize Your Home's Value in Evergreen Colorado with a RealtorAre you looking to maximize the value of your home in Evergreen Colorado? A realtor can help you do just that! With their expertise in the local market, a realtor can provide you with the best advice on how to increase Read more

Real Estate Agents Golden CO Orson Hill Realty
Real Estate Agents Golden, CO

Why Real Estate Agents in Golden, CO Feel it is Still a Good Time to Invest in Golden, CO Real Estate. Golden, CO real estate is a great investment. At any given time, there are certain cities or neighborhoods that are going through rough patches. This makes it the perfect 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:
National Housing Inventory Shortage: What You Need To Know
National Home Inventory Shortage

There is a lack of home inventory on a national level. Real estate agents struggle to keep up with demand. We are seeing home values rise across the nation. There are some markets that are in higher demand than others as supply dwindles.

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

Is Colorado Home Inventory Ever Going to Ever Pick Up in 2021? Good News – It Already Is
Colorado Home Inventory

It has been a rough year for buyers buying homes in Colorado. Inventory has been lower than it ever has been. Areas like the Denver Foothills have had low inventory and sky rocketing home values for a year now. Things are already looking better for buyers in Colorado and the Read more

Evergreen Colorado – Best Place to Live in The Denver Foothills
Evergreen Colorado

Evergreen Colorado is located in the beautiful Rocky Mountains. It is close to not only Denver Colorado but also close to world class skiing. With fantastic views and hiking trails to keep you hiking or biking forever, Evergreen, CO is where everyone wants to live. That is why we are 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:
Finding The Best Realtor in Southwest Florida
Cape Coral

Discover the Top Secrets to Choosing the Perfect Realtor for Your Southwest Florida Real Estate Needs! Cape Coral Are you in the market for a new home in Southwest Florida? If so, you know that the process of finding a realtor who understands the area and can help you find 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

Buying a home in Florida – A Guide to Florida Home Buying
Buying a home in Florida

But where do you start? There are so many different types of homes in Florida, so it can be difficult to pick just one. This guide will teach you everything you need to know about Florida real estate. From understanding the market and what you should look out for when Read more

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

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:
2022 is a Great Year To Upscale or Downsize Your Home
Upsize or Downsizing in 2022

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 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

What are the Different Types of Home Mortgages? FHA, VA, Conventional, USDA and Jumbo.
Home Loans

Mortgages are one of the most important decisions for any homeowner. The mortgage you choose will not only dictate how much money you spend on interest but also the type of property you can purchase. Knowing your options is key to making a decision that'll work best for you.

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

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:
Luxury Homes – Buying and Selling Helpful Tips
Colorado-Luxury-Homes

Colorado Luxury Homes The price of the house is too high and it will remain on the market for several months without a sale. Too high a price - the risk of leaving a stale house on the market; the price is too low and you may end up getting Read more

Golden Colorado is One of The Hottest Real Estate Markets in the Country
Golden CO

Golden, Colorado is a hot, really hot real estate market. Any real estate agent in Golden, Colorado will tell you they have never seen a market like this, ever. Inventory is tight and values are increasing at a higher rate than ever anticipated.

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.

How to De-Clutter and Get Your Home Ready for Sale: Expert Guide
Declutter your home

The one thing I tell to any seller at any price point or home size is de-clutter. Get rid of the personal items and stuff that makes your place look even smaller. De cluttering is one of the easiest and cheapest thing you can do to get your home ready 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:
Golden Colorado Real Estate – Guide to Buying a Home in This Great Denver Mountain Town
Golden-CO

Homes for Sale Golden Colorado - Golden Real Estate A Guide to Homes for Sale in Golden Colorado - A Fun, Informative Guide If you're looking for a new home, it's important to know what to expect. From where to find homes for sale in Golden Colorado, to the different Read more

Buying a Home When Interest Rates are Higher Than Before

When a bank greenlights your mortgage application, it will present you with its most favorable interest rate for the loan. This rate is essentially the cost you'll incur for borrowing the money. The rate you receive will depend on various factors such as your down payment, credit score, and the 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

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

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. Read more