home loan

When is the Best Time to Sell Your House in Colorado?

woman looking at house

If you’re thinking of selling your house in Colorado, timing is everything. During different times of the year, certain circumstances can determine how much your home will sell for and how fast it will sell.

Before you start prepping to sell your home, take a moment to consider your particular circumstances and needs. Let’s take a deeper look so you can make an informed decision about when to put your house on the market.

Benefits of Refinancing Your Mortgage

family sitting on front porch of house

Mortgage rates have hit record lows during the Coronavirus pandemic. And now, more than ever, everyone is taking a closer look and making adjustments to their budgets. With that in mind, you may be asking yourself—is now a good time to refinance your mortgage? If you’re trying to find ways to reduce your monthly expenses, consider these benefits of refinancing.

Should You Buy a House During the Holidays?

home decorated for holidays

If you’re currently in the market for a new home, you may be wondering if you should wait until after the holidays to buy. While spring and summer tend to see the bulk of home sales, it doesn’t mean they’re the best times to buy a house. Take a minute to explore the pros and cons of buying a house around the holidays.

The 20% Down Myth

Not all home loan options require 20% down.

If you’re desperate to own a home of your own, you’re likely saving up until you have 20% of your dream home’s total value. That’s great, but the fact is you don’t need to put down 20%. 

The 20% myth is left over from the era after the housing crisis, when many lenders tightened their lending parameters for a while. In fact, since FHA loans were introduced in 1934, mortgages have not required putting 20% down.