Are You Saving Up To Buy a Home? Your Tax Refund Can Help You’ve been working on your savings and dreaming of that moment when you finally have keys to a place that’s truly yours. What you might not realize is that your tax return could give you a little extra cash to help you get there sooner. As Freddie Mac notes: “ . . . your tax refund from the IRS can be a useful supplement to your homebuying budget.”  So, if you’re getting a tax refund this year, you can use it to help you pay for some of the upfront costs that come with buying a home, like the down payment and closing costs. … Continue reading...

Real estate may feel like a roller coaster 🎢, but securing your financing doesn’t have to be! I’m here to make the process as smooth as possible so you can focus on the thrill of finding your dream home. Ready to take the first step? Let’s chat about getting you preapproved and on track to buy with confidence! … Continue reading...

5 Must-Ask Questions for Your Lender Before Buying a Home Buying a home is one of the most exciting milestones in life—but let’s be real, the financing side of things can feel overwhelming. That’s why asking the right questions upfront is key to making the process as smooth (and stress-free!) as possible. Before you dive into house hunting, grab this quick cheat sheet and make sure your lender answers these five essential questions: 1️⃣ What’s the Best Loan Type for Me? Every buyer’s situation is unique, and there are several loan options available—FHA, VA, conventional, jumbo, and more. … Continue reading...

Did you know about the Stackable Grants for First Time Homebuyers up to $25,000.  All loans are subject to credit approval and other eligibility requirements apply.  Tracey Christopher is a great Mortgage Broker with BOK Financial Mortgage company.  She can be reach at Tchristopher@bokf.com or her phone is 303-524-3112.  Both Tracey and myself would be happy to go to work for you and get you in to the first time home.   Call either of us today!   … Continue reading...

Understanding a buyer’s financing situation as early as possible is essential for ensuring a smooth and successful home-buying process. By identifying how a buyer plans to finance their purchase—whether through a mortgage or a cash payment—you can proactively address any potential challenges or contingencies that may arise. This allows you to prepare for additional documentation, lender requirements, or any financial roadblocks that could delay or complicate the transaction. For example, if a buyer is relying on mortgage financing but has not yet been pre-approved, they may face delays in … Continue reading...

When will the next buyers market come? Predicting the timing of the next buyer’s market depends on various economic, demographic, and market-specific factors. A buyer’s market typically occurs when the supply of homes exceeds demand, leading to more favorable conditions for buyers, such as lower prices and more negotiation power. Here are key factors that could signal the shift to a buyer’s market: 1. Rising Interest Rates Impact: Higher interest rates can reduce buyer affordability, lowering demand and leading to more inventory on the market. Timeline: If rates remain high or … Continue reading...