Our Bloggers
Denver & Suburbs
Larry Hotz - Selling nearly 1000 homes since 1978, Former Managing Broker and Faculty Member, Colorado Association of Realtors. Follow Larry on Twitter
Littleton & SW
Dennis Martin - Another Dad/Daughter Real Estate Team sells homes throughout Denver's Southwest Suburbs. Dennis also managed a real estate company and sold homes for over 30 years.
Erie, Niwot, Northwest
Paula King
- a Certified Residential Specialist helping folks in Denver's north suburbs.
Downtown Denver
John Ludwig - Lo-Do, Business District, City Park, John lives in and knows the city.
West Denver
Melody Rivera
- and Rivera Team sell homes in Highlands, Lakewood, Westminister. She is also President of The Denver Board of Realtors.
Longmont & North
John Callis -
Broker since 1982 in Denver's northern suburbs. Lives in Boulder.
First Time Homes
Elizabeth Hotz
- Purdue grad and broker since 2005, Liz has lived in both the City and Suburbs. She know the best places for first-time buyers.
Aurora Co Suburbs
Maureen Moore
- Lives here and loves South Aurora, Maureen has been a Realtor here for 22 years.
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Homebuyer Tax Credit
By Elizabeth Hotz, Denver First Time Homebuyer Specialist
When President Bush signed the Housing and Economic Recovery Act of 2008, many questions arose. One of the most frequent questions I get from my first-time homebuyer’s is regarding the first-time homebuyer’s tax credit. Many real estate blogs across the country have written about this credit. Some have been favorable and some financial blogs have yawned their way through a review. Read more
Wells Fargo
By Larry Hotz, All Denver Real Estate
Wells Fargo is Colorado’s largest home loan lender. So, it is significant that they just this month upgraded Denver and the metropolitan area real estate market from “distressed “to “stable”. That means that borrowers will be able to borrow more money when they purchase a home than they have been able to do in the past and terms will be the most favorable the bank has to offer.
Now, there is one major exception to that change. Well County has not been upgraded. The bank did not give any reasons so we are left to speculate as to why that happened. But, based on an arrest today in Mexico, fraud may have been a contributor to home foreclosures there. Read more
Fed Mortgages
by Nancy Deane, Colorado Express Mortgage
As you know, in a truly historic event yesterday, Treasury Secretary Paulson and Federal Housing Finance Agency Director Lockhart announced that “FHFA has placed Fannie Mae and Freddie Mac into conservatorship.” The government (FHFA) will now be managing Fannie Mae and Freddie Mac for the foreseeable future. What does mean to you?
Down Payment Assistance
by Elizabeth Hotz, First Time Denver Home Buyer Helper
Traditionally, FHA loan programs require Buyers to have a minimum 3% down payment when buying a home. In the past, many Buyers ask the Sellers to pay this 3% as apart of the contract. This is called “Seller down payment assistance.” In some markets, you even see that Sellers are building in this 3% into their purchase price because this practice is so common.
But, there have been rumors for months that this assistance is going away. Well, it is going away very soon. Read more
Denver Home Prices
by Larry Hotz, All Denver Real Estate
Even though home prices in some parts of the Denver area fell in February over the year ago period, Denver home prices held up at the fifth best level in the country according to the most recent Case- Schiller report.
The report tracked home prices in 20 cities across the United States over the last year.it found that prices dropped an average of 12.7% during that time. Denver prices dropped an average of 5.5%.
Steve Holben, a local custom home builder, takes exception to the methodology used in the report and claims the Denver market is actually better than reported by Case Schiller.
FICO Score
by Dennis Beranek, Denver Mortgage Expert
As a long-time Denver mortgage banker, I know how important credit scores have become over the years. When I started in banking, I was taught to examine the financial statements, the business plan and then look the potential borrower straight in the eye. I could usually assess a good risk from a bad one. But, those days are gone.
For better or worse, a credit decision now usually rests on what is supposed to be an objection and unemotional number. That number is FICO credit score. So, know what it is and how to improve it can save you a lot of money.
Use the form below to get more information on current interest rates and FICO credit scores.