Lindy Curtis, Real Estate Broker

02/20/2023

🏡🧘‍♀️🙌 Buying a new home is an exciting journey, but it can also be stressful! 😫💭 Don't worry, I've got your back! As a real estate agent, I know the importance of keeping your mind and body in balance during the home buying process. Here are some of my top tips to help you stay calm and focused every step of the way. 🌟💚 for

11/14/2022

Don’t expect a housing bust like 2008, as lending standards in this housing cycle have been much tighter and homeowners have historically high levels of home equity, so there likely won’t be a surge in foreclosures!

Data from the Mortgage Bankers Association (MBA) helps tell this story. It shows the overall percentage of homeowners at risk is decreasing significantly with time (see graph below)!

11/14/2022

The Boulder star was lit on Friday! Here are all the places you can view it.

The Boulder Chamber, with the support of Lord & Reynolds Electrical Services, the CU Boulder Veterans Alumni Association, and City of Boulder Open Space and Mountain Parks, will light the Boulder Star on Veterans Day, November 11. The City of Boulder reminds everyone to view the Boulder Star from af...

11/11/2022

Downtown Longmont is expecting to get a brand new hotel!

The hotel could open as early as 2024.

11/04/2022

If you’re questioning whether or not to buy a home in this year due to today’s cooling market, consider the long-term financial benefits of homeownership!

11/01/2022

One of the top stories in real estate over the past two years was the intensity and frequency of bidding wars. But today, things are different. With more options, you’ll likely see less competition from other buyers looking for homes.

According to the National Association of Realtors (NAR), the average number of offers on recently sold homes has declined. This September, the average was 2.5 offers per sale. In contrast, last September, the average was 3.7 offers per sale.

If you tried to buy a house over the past two years, you probably experienced the bidding war frenzy firsthand and may have been outbid on several homes along the way. Now you have a chance to jump back into the market and enjoy searching for a home with less competition!

10/31/2022

Saving for your down payment is likely top of mind as you set out to buy a home. But do you know how much you’ll need to save?

While each situation is different, there’s a common misconception that putting 20% down toward your purchase is required.

An article from the Mortgage Reports explains why that’s not always the case:

“The idea that you have to put 20% down on a house is a myth. . . . The right amount depends on your current savings and your home buying goals.”

To understand your options, partner with a trusted real estate professional to go over the various loan types, down payment assistance programs, and what each one requires!

As a real estate agent in Longmont, CO I can help take the fear out of saving for a new home. Real this article to learn more!

10/29/2022

"Fire and Ice
Nothing like a fresh layer of snow to create an incredible contrast with the golden aspens of Colorado."

📸: Zach Vogel Photography - Discover Colorado | Through your photos

10/28/2022

While there’s no denying higher mortgage rates are making it more challenging to afford a home today, many millennials are still eager and able to buy homes – whether it’s their first or they’re moving up. That’s in large part because of the value they place on education. 🏫

A recent article from First American says millennials may be the most educated generation in our nation’s history. 💪 Because of that, they tend to earn higher wages, and that translates to greater homebuying power.

Odeta Kushi, Deputy Chief Economist at First American, explains:

“In 2020, millennials with a bachelor’s degree had a median household income of over $100,000, while those with at least a graduate degree had a median household income of over $120,000. Compare those income levels with the median household income of millennials with just a high school degree (or some college) of $60,000 and the earning power benefits of higher education are undeniable. . . . Millennials’ pursuit of higher education is good news for the housing market. . . because education is the key to unlock both greater earning power and, in turn, homeownership.”

And since wages are one of the key things that factor into affordability when it comes to buying a home, these higher earnings can help millennials achieve their homeownership goals.

First American Deputy Chief Economist Odeta Kushi examines the impact of educational attainment on earning power and homeownership.

10/11/2022

If you believe you have to put 20% down on a home, you may have based your goal on a common misconception. 🧐

Freddie Mac explains:

“. . . nearly a third of prospective homebuyers think they need a down payment of 20% or more to buy a home. This myth remains one of the largest perceived barriers to achieving homeownership.”

Read this blog post to learn more...

Saving for your down payment is the first step on your homebuying journey. Let’s connect today to be sure you have the right resources!