Financing
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.
Relocation Guide
Your Employer Buys Your Old House: BVO vs GBO, Colorado
The relocation benefit is not help selling your house. It is an offer to buy it, with a contract of sale and a deed you sign. A guaranteed buyout (GBO) is a floor and a calendar. A buyer value option (BVO) is neither: no appraisal is ordered, and nothing is owed until an outside buyer appears.
Move-Up Guide
Keeping Your Boulder Home as a Rental When You Move Up
Fannie Mae's rule for the home you're leaving says it in one line: lease agreements are not permitted for any departing residence. It's dated 2 September 2026 and mandatory from 1 December, and it caps the rent at erasing that home's own payment. Here's what that does to a Boulder move-up.
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.
Relocation Guide
Buying a House in Colorado From Texas: The 12-Day Rule
If you are borrowing against the Texas homestead to buy in Colorado, the ceiling and the calendar are set by Texas Constitution Section 50(a)(6), not by your lender. Texas takes nothing from you when you leave, so nothing at that closing table makes you check which of your habits still work here.
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.
Move-Up Guide
Low Appraisal When You're Selling and Buying in Boulder
The appraisal that ends a Boulder move-up is usually on the house you're selling, not the one you're buying. Your proceeds are the down payment. Every right in the contract's appraisal section belongs to your buyer, and the appeal channel isn't yours either. Here's what actually protects you.
Buyer Guide
Colorado Contract Deadlines: What Happens If You Miss One
In Colorado the purchase contract is a clock, not a document. Every deadline runs itself, and missing one costs you a right or costs you cash. Here's the ten rows that do most of the damage, what silence does on each row, and the inspection trap that quietly ends deals.