Buyer Guide
Buyer Guide
Counting ADU Rent to Qualify for a Mortgage in Colorado
An accessory unit helps you qualify from the monthly rent the appraisal supports. On a Fannie Mae, Freddie Mac or FHA purchase, at most 75% of it counts, capped at 30% of qualifying income, if the unit passes each program's test. Above the conforming limit, the lender's rules replace all three.
Buyer Guide
Mortgage Rate Went Up While Under Contract in Colorado
On Colorado's current contract, a higher rate on its own can end the deal only on or before the New Loan Terms Deadline, if your contract dates that row. The contract never mentions a rate lock and never holds the rate: only your lender's lock does, and it has to reach the Closing Date.
Buyer Guide
Something Broke Before Closing: Who Pays in Colorado?
Under Damage, Inclusions and Services, a furnace or water heater that fails between contract and closing or possession is the seller's to repair or replace: no objection to file, no inspection deadline to preserve. It's due by that same date, and it doesn't reach a defect that was there all along.
Buying
Waiting for Mortgage Rates to Fall Could Be Your Biggest Home-Buying Mistake
Waiting for mortgage rates to fall may seem like the safest strategy—but it could come with a trade-off many buyers aren't considering. In Colorado's changing market, today's higher rates may create opportunities that disappear when more buyers return. Here's what
Buyer Guide
Stop Waiting for Spring: Why the Smart Buyers Search for Deals in Winter
If you're thinking about buying a home in Colorado, conventional wisdom says spring and summer are the time to shop. More homes typically hit the market, the weather is more cooperative, and open houses offer plenty of opportunities to explore different neighborhoods and properties. But there's
Buyer Guide
What Price Per Square Foot Isn't Telling You
Used as a measuring stick, it makes good homes look expensive and risky homes look like bargains.
Buyer Guide
Buying a House From an Estate in Colorado: What to Know
Nothing about the rules changes when an estate is selling, and that is the problem. Both of a buyer's standard protections are keyed to a seller, and page one of Colorado's 2026 disclosure form now asks whether that seller ever lived in the house.
Buyer Guide
Lender Requires Repairs? The Colorado Closing Clock
The inspection is behind you, the appraisal cleared, and the lender won't fund until the furnace is replaced. If the seller never agreed to that work, the demand has its own section and a clock of three days at most: the contract ends by itself. Three things stop it; the easy one is the trap.
Buyer Guide
Physician Loans in Boulder County: What Actually Helps
Physician loans are sold on three features. In Boulder County's $800K-$1.5M band, two do less than advertised: one lender's cheapest tiers stop before $880,000, and the 90-day contract rule is a general Fannie Mae rule. What decides your file is how your student loans are documented.