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Rate talk: know your concession limits. Every loan type caps how much a seller can contribute toward your closing costs ...
10/25/2026

Rate talk: know your concession limits. Every loan type caps how much a seller can contribute toward your closing costs and buydown, and the cap depends on the loan and your down payment. Ask for more than the limit and the extra can go to waste. Your lender can tell you the exact number, and I'll write the offer to use every dollar. focosnow.com

Why do so many people choose Northern Colorado? Trails and parks right out the door, a real sense of community, great br...
10/25/2026

Why do so many people choose Northern Colorado? Trails and parks right out the door, a real sense of community, great breweries and restaurants, and the mountains close enough for a day trip. Whether it's Fort Collins, Loveland, Windsor, or somewhere in between, I love helping people find their spot here. Thinking about a move? Let's talk. focosnow.com

Rate talk: the assumable loan advantage. Some homeowners are sitting on FHA or VA loans with rates well below today's ma...
10/24/2026

Rate talk: the assumable loan advantage. Some homeowners are sitting on FHA or VA loans with rates well below today's market, and a qualified buyer may be able to take that loan over. You'll typically need to cover the seller's equity with cash or a second loan, so it isn't for every deal. But when it fits, the savings can be significant. Ask me how to find them. focosnow.com

Moving to Northern Colorado? From Fort Collins to Loveland, Windsor, and beyond, I can help you find the community that ...
10/24/2026

Moving to Northern Colorado? From Fort Collins to Loveland, Windsor, and beyond, I can help you find the community that fits your life and the home to go with it. focosnow.com

Rate talk: Colorado down payment help. CHFA and some local programs offer down payment assistance and loan options for q...
10/23/2026

Rate talk: Colorado down payment help. CHFA and some local programs offer down payment assistance and loan options for qualifying buyers in Colorado, and they can often be paired with other strategies. Eligibility rules, income limits, and terms vary, so ask a lender who works with these programs regularly. It could be the piece that makes your purchase work. focosnow.com

Appraisals are working for buyers again. In a calmer market, when a home appraises below the contract price, the buyer u...
10/23/2026

Appraisals are working for buyers again. In a calmer market, when a home appraises below the contract price, the buyer usually has room to renegotiate instead of covering the gap out of pocket. Keep your appraisal contingency in your offer. It's one more safety net that buyers gave up a few years ago and can use again today. focosnow.com

Rate talk: "marry the house, date the rate" comes with a catch. Refinancing later may be possible if rates drop, but it ...
10/22/2026

Rate talk: "marry the house, date the rate" comes with a catch. Refinancing later may be possible if rates drop, but it isn't guaranteed and it isn't free. Buy a home whose payment works for you today, and treat a future refinance as a bonus, not the plan. That's how smart buyers protect themselves. focosnow.com

Snowboard season is almost here. Nothing beats a Colorado bluebird day on the mountain. Who else is counting down to ope...
10/22/2026

Snowboard season is almost here. Nothing beats a Colorado bluebird day on the mountain. Who else is counting down to opening day?

Rate talk: debt-to-income ratio. Lenders look at how much of your monthly income already goes to debts like car loans, s...
10/21/2026

Rate talk: debt-to-income ratio. Lenders look at how much of your monthly income already goes to debts like car loans, student loans, and credit cards. The lower that number, the more home you can qualify for and the smoother approval tends to go. Paying off a small balance before you apply can sometimes make a bigger difference than you'd think. focosnow.com

Northern Colorado trend: new construction incentives. Builders in growing areas like Timnath, Windsor, and Severance are...
10/21/2026

Northern Colorado trend: new construction incentives. Builders in growing areas like Timnath, Windsor, and Severance are working to move inventory, and many are offering rate buydowns or closing cost help to do it. Some of the best rate deals in the region right now are on new builds. Bring your own agent to the sales office so someone is negotiating for you. focosnow.com

Address

800 Grouse Circle
Fort Collins, CO

Telephone

+19706917669

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