Boulder, Colorado is known for its vibrant culture, stunning outdoor scenery, and thriving coffee shop scene. Whether you're a local resident or a visitor exploring the area, Boulder's coffee shops offer the perfect combination of delicious brews, cozy atmospheres, and a sense of community. Here are the top five coffee shops you must visit in Boulder.1. The Laughing Goat Coffeehouse:Located in the heart of downtown Boulder, The Laughing Goat Coffeehouse is a popular destination for coffee lovers. Known for its friendly staff and cozy ambiance, this coffee shop offers a wide selection of specialty coffee drinks, including their famous lavender latte. With ample seating both indoors and outdoors, it's the perfect spot to relax, enjoy a cup of joe, and soak in the vibrant energy of Boulder.2. Boxcar Coffee Roasters:Boxcar Coffee Roasters takes pride in sourcing and roasting their own beans, providing you with a truly exceptional coffee experience. This artisanal coffee shop offers a minimalist yet elegant atmosphere, making it a great place for both work and relaxation. Be sure to try their meticulously brewed pour-over coffee or their signature espresso-based drinks. Boxcar Coffee Roasters is an ideal spot for coffee connoisseurs looking for a unique and high-quality brew.3. Ozo Coffee Company:With multiple locations across Boulder, Ozo Coffee Company has become a local favorite for coffee enthusiasts. Their commitment to sustainability and ethical sourcing is reflected in their delicious coffee offerings. This coffee shop prides itself on its friendly and knowledgeable baristas who are always eager to guide you through their menu. From perfectly crafted cappuccinos to cold brews, Ozo Coffee Company is sure to impress both regulars and first-time visitors.4. The Cup Espresso Café:Nestled near the beautiful Pearl Street Mall, The Cup Espresso Café is a charming and cozy coffee shop that has been serving Boulder's caffeine aficionados since 1992. This local gem offers a wide selection of espresso-based drinks, as well as homemade baked goods. The Cup Espresso Café's warm and inviting atmosphere, combined with its top-notch coffee offerings, creates the perfect setting for catching up with friends or diving into a good book.5. Amante Coffee:If you're looking for a taste of Italy in Boulder, Amante Coffee is the place to go. With its European-inspired décor, this coffee shop provides a unique and authentic experience. Amante Coffee is renowned for its meticulously crafted Italian-style espresso, as well as its delectable pastries. Whether you're in the mood for a classic cappuccino or a creamy affogato, Amante Coffee transports you to the streets of Italy with every sip.In conclusion, Boulder, Colorado is a haven for coffee lovers, offering an array of exceptional coffee shops to satisfy any caffeine craving. Whether you're seeking a cozy atmosphere, sustainable sourcing, or a taste of international coffee culture, Boulder's coffee scene has it all. So, grab your favorite book or a friend, and indulge in the delightful coffee offerings at these top five coffee shops in Boulder.

Buying a home is both thrilling and overwhelming, especially in the picturesque state of Colorado. From the bustling city of Denver to the serene settings of Aspen, the Centennial State offers a unique blend of lifestyles. However, it’s easy to make missteps in the home-buying process. For those aiming to buy property in this state, it’s crucial to understand the challenges associated with Colorado real estate. Leveraging the insights from the latest Colorado Realtor SEO data, we’ve identified the top mistakes and how to sidestep them.   1. Not Doing Local ResearchThe Mistake: Diving headfirst into the Colorado housing market without understanding the local nuances. The real estate landscape can significantly differ between cities like Boulder, Fort Collins, and Colorado Springs.How to Avoid: Engage with a local Colorado Realtor. They’re not just experts in finding houses; they know the neighborhoods, the history, and the tiny details search engines might miss. A bonus? They’re updated with Colorado Realtor trends, ensuring you get the latest and most relevant property listings.  2. Ignoring Altitude ConsiderationsThe Mistake: Overlooking the altitude differences. Denver isn’t dubbed “The Mile-High City” for no reason! Altitude can impact health, gardening, and even baking.How to Avoid: Spend some time in the area you’re considering. If you’re relocating from lower altitudes, give your body a chance to adjust. Consult locals and, if necessary, healthcare professionals about adapting to higher altitudes.3. Skipping Home InspectionsThe Mistake: Assuming that because a home looks perfect, it is. Colorado homes can have issues related to snow, ice, or the foundation because of the region’s unique climate and topography.How to Avoid: Never skip the home inspection. Ensure the inspector checks for local-specific issues, including roof integrity from snow loads and potential flood risks.4. Misjudging the Colorado ClimateThe Mistake: Thinking of Colorado solely as a snowy state. While parts of Colorado receive heavy snow, areas like Grand Junction have a desert climate.How to Avoid: Check the USDA hardiness zone for the specific location you’re looking into. This will guide you on the local climate, helping with decisions related to landscaping, gardening, and energy costs.5. Overlooking Resale ValueThe Mistake: Choosing a home solely based on current needs without considering its potential resale value.How to Avoid: Think long-term. Your chosen Colorado Realtor, with their SEO insights, can provide data on neighborhoods with rising property values. Remember, a home isn’t just a place to live; it’s an investment.6. Not Budgeting for Additional CostsThe Mistake: Focusing solely on the house’s price and neglecting additional costs like property taxes, homeowner association (HOA) fees, and utilities.How to Avoid: Research the total cost of owning a home in your chosen area. A local Realtor can offer valuable insights into property taxes, while neighbors or local forums can give a glimpse into average utility costs.7. Overestimating DIY CapabilitiesThe Mistake: Assuming that you can handle all home renovation or fixes by yourself, only to get overwhelmed later.How to Avoid: Be realistic about what you can handle. If you’re considering a fixer-upper, get quotes from local contractors to understand the time and money required.8. Neglecting Financing Pre-ApprovalThe Mistake: Starting the house hunt without knowing what you can afford, leading to disappointments or financial strains.How to Avoid: Before diving into Home listings, get pre-approved for a mortgage. It gives you a clear budget and makes you a more attractive buyer.9. Underestimating Commute and AccessibilityThe Mistake: Buying a home in a remote location without considering daily commute challenges or accessibility to amenities.How to Avoid: Before committing, make the drive during your typical work hours to gauge the commute. Check the proximity to amenities like grocery stores, hospitals, and schools.10. Not Factoring in Lifestyle NeedsThe Mistake: Getting swayed by a beautiful home without considering if it fits your lifestyle.How to Avoid: List down non-negotiables. If you’re an avid skier, proximity to mountain resorts might be crucial. Or, if you love the arts, living near Denver’s vibrant cultural scene might be a priority. Colorado, with its diverse landscapes and lifestyle options, is a dream place for many homebuyers. But, armed with insights from Colorado Realtor trends and local expertise, you can navigate potential pitfalls and secure your ideal home. Remember, the key lies in research, realistic expectations, and leveraging local expertise. Click here to schedule an appointment today, so we can make a plan for your home-hunting success!

Here are the BEST things going on in Colorado in July The Yoga on the Rocks experience, a delightful blend of wellness and nature, takes place every Saturday from June 3 to August 12, 2023, in Morrison. Amid the breathtaking backdrop of the Red Rock Amphitheatre, engage in an energizing morning yoga session, suitable for all levels. For more details, visit redrocksonline.com.Fans of the Bard shouldn’t miss the Colorado Shakespeare Festival, which runs from June 11 to August 13, 2023, in Boulder. Enjoy riveting performances of Shakespeare’s timeless plays at the CU campus, a festival tradition for over 60 years. Stay updated on performance dates at cupresents.org.Film on the Rocks, an annual summer movie series at the Red Rocks Amphitheater, promises memorable Monday nights from June 12 to August 21, 2023. Soak up the warm summer weather while enjoying a diverse selection of films in this majestic outdoor setting. Visit denverfilm.org to check the movie schedule.Get transported back in time at the Colorado Renaissance Festival that spans over eight weekends from June 17 to August 6, 2023. Relish a medley of medieval events for all ages in Larkspur, conveniently located between Denver & Colorado Springs on I-25. Visit coloradorenaissance.com to learn more about this enchanting event.Treat your auditory senses to six weeks of euphonious symphonies, orchestras, and classical music at the Colorado Music Festival, held at the historic Chautauqua Auditorium in Boulder from June 29 to August 6, 2023. Details are available at coloradomusicfestival.org.Beer enthusiasts can’t miss the Denver Summer Brew Fest on Saturday, July 22, 2023, a celebration of craft beer featuring samples from over one hundred craft beers and forty-five breweries. For more details, check out brewfestevents.com.Unleash your inner art critic at the Cheesman Park Art Fest on July 22-23, 2023, where Cheesman Park, Denver, becomes a canvas for over one hundred national, juried artists. Visit dashevents.com to learn more.For a cultural immersion, attend the Colorado Dragon Boat Festival at Sloan’s Lake Park, Denver, on July 22-23, 2023. It’s a vibrant celebration of Asian American and Pacific Islander culture. Get more details at cdbf.org.Lastly, for music and nature lovers, the 51st RockyGrass Music Festival will take place from July 28-30, 2023, at the Planet Bluegrass Ranch, Lyons. Indulge in three days of bluegrass concerts along the scenic St. Vrain River with camping, fishing, and tubing options. Find out more at bluegrass.com.All in all, July 2023 in Colorado is set to offer a vibrant tapestry of experiences that cater to every interest – from yoga, theater, and film to medieval adventures, music, beer tasting, art appreciation, cultural celebrations, and more. Don’t miss the chance to make the most of your Colorado summer!

Title: The Ultimate Guide to Longmont’s Best Coffee ShopsIntro: Hey there, fellow caffeine aficionados! It’s time to dive into the buzzing coffee scene of Longmont, Colorado. We’ve handpicked the best coffee shops that you simply must check out. Whether you’re a local, passing through, or planning a visit, these gems are sure to fuel your coffee cravings. So, without further ado, let’s explore the best spots for your next caffeine fix.Ziggi’s Coffee Website: https://www.ziggiscoffee.com/ Google Address: 1139 Francis St, Longmont, CO 80501Ziggi’s Coffee is a Longmont staple that began in 2004. Their cozy atmosphere, friendly staff, and superb coffee make it a perfect spot to hang out or grab a quick cup on the go. Their drive-thru is a bonus for those busy mornings. Don’t miss their signature drinks like the Caramel Macchiato or the Nutty Professor Latte.Ozo Coffee Website: https://ozocoffee.com/ Google Address: 1232 S Hover St Suite C-100, Longmont, CO 80501Ozo Coffee is a local favorite for its emphasis on ethically-sourced beans and the art of brewing. With a diverse menu, you’ll find a variety of espresso drinks, pour-overs, and cold brews. Their knowledgeable baristas ensure each cup is brewed to perfection. If you’re a coffee enthusiast, this is your spot!La Vita Bella Cafe Website: http://www.longmontcoffee.com/ Google Address: 471 Main St, Longmont, CO 80501La Vita Bella Cafe is a charming European-style coffee house located in the heart of downtown Longmont. Here, you’ll find delicious espresso drinks, fresh pastries, and a cozy atmosphere. Be sure to check out their calendar for live music and events. Don’t leave without trying their signature Lavender Honey Latte!The Coffee Ride Website: https://www.thecoffeeride.com/ Google Address: 1720 Hover St Suite B, Longmont, CO 80501The Coffee Ride is a unique coffee shop that combines a passion for coffee and cycling. They roast their own beans in-house and pride themselves on quality and sustainability. You can even get your beans delivered by bicycle! With an inviting atmosphere and a variety of handcrafted drinks, The Coffee Ride is definitely worth a visit.Red Frog Coffee Website: https://www.redfrogcoffee.com/ Google Address: 15 Ken Pratt Blvd #200, Longmont, CO 80501Red Frog Coffee is a delightful spot that boasts a spacious, artsy interior and a comfortable outdoor patio. Known for their excellent customer service and delicious drinks, Red Frog is perfect for remote work or catching up with friends. Be sure to try their Caramel Apple Cider or the

It's time to dive into the buzzing coffee scene of Longmont, Colorado. We've handpicked the best coffee shops that you must check out. Whether you're a local, passing through, or planning a visit, these gems will fuel your coffee cravings.  Ziggi's Coffee Website: https://www.ziggiscoffee.com/ Google Address: 1139 Francis St, Longmont, CO 80501 Ziggi's Coffee is a Longmont staple that began in 2004. Their cozy atmosphere, friendly staff, and superb coffee make it a perfect spot to hang out or grab a quick cup on the go. Their drive-thru is a bonus for those busy mornings. Don't miss their signature drinks like the Caramel Macchiato or the Nutty Professor Latte. Ozo Coffee Website: https://ozocoffee.com/ Google Address: 1232 S Hover St Suite C-100, Longmont, CO 80501 Ozo Coffee is a local favorite for its emphasis on ethically-sourced beans and the art of brewing. With a diverse menu, you'll find a variety of espresso drinks, pour-overs, and cold brews. Their knowledgeable baristas ensure each cup is brewed to perfection. If you're a coffee enthusiast, this is your spot! La Vita Bella Cafe Website: http://www.longmontcoffee.com/ Google Address: 471 Main St, Longmont, CO 80501 La Vita Bella Cafe is a charming European-style coffee house in downtown Longmont's heart. You'll find delicious espresso drinks, fresh pastries, and a cozy atmosphere here. Be sure to check out their calendar for live music and events. Don't leave without trying their signature Lavender Honey Latte! The Coffee Ride Website: https://www.thecoffeeride.com/ Google Address: 1720 Hover St Suite B, Longmont, CO 80501 The Coffee Ride is a unique coffee shop that combines a passion for coffee and cycling. They roast their own beans in-house and pride themselves on quality and sustainability. You can even get your beans delivered by bicycle! With an inviting atmosphere and a variety of handcrafted drinks, The Coffee Ride is definitely worth a visit. Red Frog Coffee Website: https://www.redfrogcoffee.com/ Google Address: 15 Ken Pratt Blvd #200, Longmont, CO 80501 Red Frog Coffee is a delightful spot that boasts a spacious, artsy interior and a comfortable outdoor patio. Known for its excellent customer service and delicious drinks, Red Frog is perfect for remote work or catching up with friends. Be sure to try their Caramel Apple Cider or the

If you’re looking for a fun winter activity that the whole family can enjoy, look no further than sledding! Around Denver, Colorado, there are some incredible places to go sledding. Here are some of the best spots with helpful Google address links so you can easily find them.Evergreen Lake ParkThis is one of the most popular sledding spots around Denver,, as it offers plenty of hills and snow-covered terrain to make your day a blast. You will also find a warming hut hethatlows you to take a break from sledding and warm up with a hot chocolate or snack. You can find it at 29612 Upper Bear Creek Rd, Evergreen, CO 80439. Genesee Park & RideThis spot is perfect for those who want to get in a full day of sledding without having to worry about finding parking or getting stuck in traffic on their way home aftafterwardt has ita dedicateded light rail station, so you can easily hop on and off when you’re ready! It’s located at 11600 W 6th Ave, Golden, CO 80401. Ruby Hill ParkThis is one of the most iconic sledding spots near, Denv,er as it has been featured in many movies and commercials. It offers some great views of downtown Denver for those who want to take in the sights while sledding down its massive hills. You can find it at 1320 West Florida Ave., Denver, CO 80223. With these three top-tier sledding spots near Denver, Colorado, you have all the information you need to make this winter an exciting one filled with adventure! All three locations are within driving distance of each other and offer different experiences depending on what type of terrain you prefer—so don’t wait any longer and start planning your next winter outing today! Happy Sledding!

Christmas is a magical time of year, and what better way to get into the holiday spirit than to see some festive lights? Denver has many places to take in the spectacle of holiday lights. From drive-through displays and light shows to illuminated buildings and city streets, there are plenty of opportunities to enjoy all the season has to offer. Read on for a breakdown of some of Denver’s best places to see Christmas lights!Denver Botanic Gardens Trail of LightsThis is one of the most popular holiday light attractions in Denver. The Trail of Lights at the Denver Botanic Gardens is a stunning display with over one million twinkling lights adorning trees along winding pathways. Bring your family or friends and stroll through this winter wonderland while enjoying festive music and hot cocoa. The event runs from November 22nd through December 31st, so don’t miss out on this positive experience!Blossoms of Light at Denver ZooThe Blossoms of Light exhibit at the Denver Zoo is another spectacular sight. It features over one million LED lights that adorn trees across the zoo grounds, creating an enchanting atmosphere. This exhibit is open from November 29th through January 4th, so there’s plenty of time to plan your visit. Plus, during select nights throughout December, you can sip hot chocolate or find other special treats while you wander around the zoo’s winter wonderland!Larimer Square Holiday LightsFor those who want to do some shopping along with their sightseeing, Larimer Square has got you covered! During the holidays, this historic area is transformed into a festive destination with thousands of twinkling lights draped across storefronts and trees throughout 14th Street from Market to Lawrence Street. Even better? It’s free! So grab your wallet and camera and prepare for an evening full of holiday fun.Cherry Creek Shopping CenterCherry Creek Shopping Center is another great place if you’re looking for holiday cheer. The mall comes alive with beautiful decorations every December, including thousands of twinkling lights stringed up on trees and buildings throughout the center. You can also catch local musicians’ free performances or participate in other festivities such as ice skating or carriage rides. Cherry Creek Shopping Center will surely get you into the holiday spirit!—Denver has no shortage of places to view Christmas lights and get into that festive spirit! Whether walking through a picturesque light display at a botanical garden or listening to carols while admiring lit-up buildings at an outdoor shopping center, you’ll be sure to find something that brings joy during this time of year. Be sure not to miss out on all these fantastic places to witness stunning views this holiday season!

If you’re thinking about buying a home, you’re likely trying to juggle your needs, current mortgage rates, home prices, your schedule, and more to try to decide if you want to jump into the market.If this sounds like you, here’s one key factor that could help you with your decision: there are more homes for sale today than there were at this time last year. According to Calculated Risk, for the week ending in November 18th, there were 47.7% more homes available for sale than there were at the same time in 2021. And having more options for your home search may be exactly what you need to feel confident about making a move.Here’s a look at where the increased housing supply is coming from so you can get a better sense of what’s happening in the market today and what it means for you.What Caused the Growth in Housing Inventory This Year?The increase we’ve seen in housing supply this year isn’t from the source you think it is. Rather than an influx of recent homeowners listing their houses for sale (known as new listings), the primary reason the supply has grown is because homes are staying on the market a bit longer (known as active listings).That’s happening because higher mortgage rates and home prices have helped moderate the peak frenzy of buyer demand, which has slowed down the pace of sales. And, as the pace of sales has eased, inventory has grown as a result.The graph below uses data from realtor.com to show that it’s active listings, not new listings, that have driven the growth we’ve seen over the past few months:And while overall inventory gains may slow down this winter due to typical housing market seasonality, you still have a chance to capitalize on the current supply.What This Means for Your Home SearchRegardless of the source, the increase in available housing supply is good for buyers. More homes available for sale means you have more options to choose from as you search for your next home, and you may even have more time to consider them.So, if you tried to buy a home last year and lost out in a bidding war or just couldn’t find something you liked, this may be the news you’ve been waiting for. If you start your search today, those additional options should make it less difficult to find a home you love, especially as some other buyers pause their search this holiday season.Just remember, housing supply is still low overall, so it won’t suddenly be easy – it’ll just be less challenging than it was at this time last year. As a recent article from realtor.com says:“Despite this improvement in the number of homes actively for sale, active listings still lag their pre-pandemic levels.”The increase in housing supply helps put you in a great position to kick off the new year in your dream home. And who better to help you find it than a trusted, local real estate professional?Bottom LineIf you’re ready to jump into the housing market and see what’s available in our local area, let’s connect.

If you’re thinking about selling your house, you’re likely hearing about the cooling housing market and wondering what that means for you. While it’s not the peak intensity we saw during the pandemic, we’re still in a sellers’ market. That means you haven’t missed your window. Realtor.com explains:“. . . while prospective home sellers may lament that they missed their prime window, in reality, this is still a terrific time to sell. In fact, according to a recent Realtor.com® home seller survey, 95% of sellers who sold their home in the past year got more than they paid for it.Nonetheless, some of the more prominent pandemic trends have changed, so sellers might wish to adjust accordingly to get the best deal possible.”The key to success today is being realistic and working with a trusted real estate advisor who can help you set your expectations based on where the market is now, not where it was over the past few years.Here are a few things experts say today’s sellers need to consider.Be Willing To NegotiateAt the peak of the pandemic frenzy, sellers held all the leverage because inventory was at record lows and buyers were willing to enter bidding wars over homes that were available. This year, the supply of homes for sale has increased as the market cooled. Even though inventory is still low overall, buyers today have more options, and with that comes more negotiation power.As a seller, that means you may see more buyers getting an inspection, requesting repairs, or asking for help with closing costs today. You need to be prepared to have those conversations. As Ali Wolf, Chief Economist at Zonda, says:“Today’s market is different than it was just six months ago. . . Sellers that want the contract to move forward should be willing to work with the buyer. . . Consider helping with the closing costs or addressing many of the items on the home inspection list.”Price Your Home at Market ValueIt’s not just that the number of homes for sale has grown this year. Buyer demand has also pulled back in light of higher mortgage rates. As a result, pricing your house appropriately so you can catch the eyes of serious buyers is important. Greg McBride, Chief Financial Analyst at Bankrate, explains:“Price your home realistically. This isn’t the housing market of April or May, so buyer traffic will be substantially slower, but appropriately priced homes are still selling quickly.”You don’t want to overreach with your price and deter buyers. At the same time, you don’t want to undervalue your home and leave money on the table. This is another area where an agent’s expertise comes in handy.Think About Your First Impression on BuyersBuyers have more options and are more particular about their investment since it costs more to buy a home given today’s mortgage rates. As a result, you need to make sure your house shows well. As an article from realtor.com says:“To stand out in the market, sellers should make their home attractive to buyers, which usually means some selective updates.”This could include everything from staging the home, to making small cosmetic updates, tackling repairs, or undergoing renovations. A trusted real estate professional will help you assess what may be worthwhile to do compared to other recently sold homes in your area.Bottom LineTo sum it all up, your house should still sell today and move quickly if you’re realistic about today’s market. As a press release from Zillow puts it:“. . . sellers need to do things right to attract the attention of these buyers — pricing their home competitively and making their listing attractive to online home shoppers.” For expert advice on how to quickly sell your house in a shifting market, let’s connect.

ChiRunning is a form of running that emphasizes good posture and a mid-foot strike. It is a low-impact form of running that is easy on the joints, and ChiRunning can help you run faster with less effort. In this blog post, we will discuss what ChiRunning is and how to get started.What is ChiRunning?ChiRunning is a form of running Danny Dreyer created. Danny was a competitive runner who started to experience injuries as he got older and sought to find a way to run without injuries. He studied various forms of running and martial arts. He eventually created ChiRunning, combining Tai Chi principles with running.The goal of ChiRunning is to run with good posture and a mid-foot strike. Good posture helps you breathe more efficiently and also prevents injuries. A mid-foot strike means you land on your mid-foot instead of your heel. This also prevents injuries and makes for a more efficient run.  How to get started with ChiRunningIf you are interested in trying ChiRunning, there are a few things you can do to get started. First, you should read the book “ChiRunning” by Danny Dreyer. This will give you a good understanding of the principles of ChiRunning. Second, you can take a ChiRunning workshop or class in many cities across the United States. Third, you can download one of the many ChiRunning apps available for your smartphone. These apps will guide you on how to practice ChiRunning while you are on your run.ConclusionChiRunning is a great way to prevent injuries and run more efficiently. If you want to try it, read the book, take a class, or download an app to get started!  FAQsWhat are the benefits of ChiRunning?ChiRunning has many benefits, including improved running form, increased efficiency, less impact on your joints, and reduced stress levels. In addition, ChiRunning can help you run faster and longer without getting tired as quickly. Plus, it’s just plain fun!How long does it take to see results?This depends on how often you practice and how dedicated you are to improving your form. However, most people see noticeable improvements after just a few weeks of practicing ChiRunning. The more you practice, the better your paper will become and the more benefits you will see.Is ChiRunning suitable for all levels of runners?Yes! ChiRunning is suitable for all levels of runners, from beginners to experienced athletes. All that’s required is a willingness to learn and practice the technique regularly.Are there any risks associated with ChiRunning?The risk of injury is low when practicing ChiRunning as long as you follow the technique correctly. However, it is always recommended that you consult your doctor before starting any new exercise or sport.Do I need special equipment for ChiRunning?No, you don’t need any special equipment for ChiRunning. All you need is a good pair of running shoes and comfortable clothing. This is why it’s such a great way to get into running!

This past year, rising mortgage rates have slowed the red-hot housing market. Over the past nine months, we’ve seen fewer homes sold than the previous month as home price growth has slowed. All of this is due to the fact that the average 30-year fixed mortgage rate has doubled this year, severely limiting homebuying power for consumers. And, this month, the average rate for financing a home briefly rose over 7% before coming back down into the high 6% range. But we’re starting to see a hint of what mortgage interest rates could look like next year.Inflation Is the Enemy of Long-Term Interest RatesAs long as inflation is high, we’ll see higher mortgage rates. Over the past couple of weeks, we’ve seen indications that inflation may be cooling, giving us a glimpse into what may happen in the future. The mortgage market is eagerly awaiting positive news on inflation. As Ali Wolf, Chief Economist at Zonda, says:“The housing market is expected to face continued uncertainty heading into 2023 as consumers, financial markets, and policymakers work through their respective challenges in today’s economy. . . . we are watching for any additional stability in the MBS market, signs of cooling inflation, and/or less aggressive Federal Reserve action to give us confidence that mortgage rates are past their peak.”What Does This Mean for the Future of Mortgage Rates?As we get through the inflation battle and start to see that coming down, we should expect mortgage rates to follow. We’ve seen nods of this over the past couple of weeks. As the Federal Reserve works to bring inflation down, mortgage rates will come down as well. Bill McBride from Calculated Risk says:“My current view is inflation will ease quicker than the Fed currently expects.”As we look toward next year, we certainly hope he’s right.Bottom LineMortgage rates will come down – it’s just a matter of time. The hope is we continue to see more positive news on inflation, and that’ll bring mortgage rates down. This will give prospective homebuyers more buying power and lead to more homeowners throughout the country.

If you’re in Boulder, you know there’s no shortage of great coffee shops. Whether you’re looking for a place to get some work done, meet up with friends, or relax there’s a Boulder coffee shop that’s perfect for you. Here are our top picks for the best coffee shops in Boulder.Ozo Coffee CompanyWith four locations around Boulder, Ozo is always convenient. They’ve got a great selection of coffee and tea, plus pastries and sandwiches if you need something to eat. And if you’re working on a project, their free Wi-Fi and ample outlets make it easy to stay focused.https://www.ozocoffeecompany.com  Trident Booksellers and CafeTrident is one of the best places in Boulder to find a good book, and their coffee is excellent too. Their pastries are made fresh daily, and they’ve got a wide selection of sandwiches and salads if you need something more substantial. Trident also has an extensive list of beer and wine if you want to switch things up from coffee.https://www.tridentcafe.com/  The Laughing GoatThe Laughing Goat is one of the most popular coffee shops in Boulder, and it’s easy to see why. They’ve got great coffee, plus a cozy atmosphere that makes it the perfect place to curl up with a good book or chat with friends. And if you need some food with your coffee, they have plenty of pastries and light snacks.https://www.thelaughinggoat.com/  Boxcar CoffeeBoxcar Coffee in Boulder is great for getting your morning cup of coffee. The coffee is always fresh, and the staff is friendly and helpful. The seating is comfortable, and the atmosphere is relaxing. The location is convenient, and the prices are reasonable. I recommend Boxcar Coffee in Boulder for your next morning cup of coffee!https://www.boxcarcoffee.com/  SummaryThese are just a few of the many great coffee shops in Boulder—but these are our favorites. So next time you’re looking for somewhere to grab a cup of coffee, be sure to check out one (or all) of these spots!  

Some HighlightsYou may be wondering what needs to be renovated before you sell your house. In today’s shifting market, making your house appealing is more important than ever.That’s why it’s essential to lean on a real estate professional who has in-depth knowledge of today’s housing market. They know what buyers are looking for and how to highlight any upgrades you make.Let’s connect so you know where to focus your efforts so your house will stand out in a today’s market.

If you’re thinking of buying a home and living with siblings, parents, or grandparents, then multigenerational living may be for you. The Pew Research Center defines a multigenerational household as a home with two or more adult generations. And the number of individuals choosing multigenerational living has increased over the past 50 years.As you consider this option for your own home search, know it could help you on your homeownership journey and provide you with other incredible benefits along the way.Living with Loved Ones Could Help You Achieve Your Homeownership GoalsThere are several reasons people choose to live in a multigenerational household, and for many, the arrangement is a personal one. But according to the Pew Research Center, the top reason people choose to live together today is financial.A recent study from Freddie Mac also finds more people are choosing to buy a home together so they can save money in the homebuying process. As the study says:“. . . an increasing percentage of young adult first-time homebuyers are relying on support from older generations, including their parents, to buy a home together.”For these individuals, combining their resources can help them achieve their dream of buying and owning a home. By pooling their incomes together to make that purchase, they may be able to afford a home they couldn’t on their own.Other Key Benefits of Multigenerational Living Not to mention, living in a home with loved ones can have other benefits too, like giving you more quality time to spend together. Darla Mercado, Certified Financial Planner and Markets Editor for CNBC.com, explains how this living arrangement can help on a personal and financial level:“Residing with relatives can offer advantages . . . you can pool multiple streams of income, for instance. And in households with young children, grandparents can pitch in with child care.”If this sounds like a great option for you, it’s important to work with a trusted real estate professional to discuss your needs. They can help you navigate the process to find the right home for you and your loved ones.Bottom LineMore people are discovering the benefits of multigenerational living. For the best information and help deciding what’s right for your personal situation, let’s connect and start the conversation today.

There’s no denying the housing market is undergoing a shift this season, and that may leave you with some questions about whether it still makes sense to sell your house. Here are three of the top questions you may be asking – and the data that helps answer them – so you can make a confident decision.1. Should I Wait To Sell?Even though the supply of homes for sale has increased in 2022, inventory is still low overall. That means it’s still a sellers’ market. The graph below helps put the inventory growth into perspective. Using data from the National Association of Realtors (NAR), it shows just how far off we are from flipping to a buyers’ market:While buyers have regained some negotiation power as inventory has grown, you haven’t missed your window to sell. Your house could still stand out since inventory is low, especially if you list now while other sellers hold off until after the holiday rush and the start of the new year.2. Are Buyers Still Out There?If you’re thinking of selling your house but are hesitant because you’re worried buyer demand has disappeared in the face of higher mortgage rates, know that isn’t the case for everyone. While demand has eased this year, millennials are still looking for homes. As an article in Forbes explains:“At about 80 million strong, millennials currently make up the largest share of homebuyers (43%) in the U.S., according to a recent National Association of Realtors (NAR) report. Simply due to their numbers and eagerness to become homeowners, this cohort is quite literally shaping the next frontier of the homebuying process. Once known as the ‘rent generation,’ millennials have proven to be savvy buyers who are quite nimble in their quest to own real estate. In fact, I don’t think it’s a stretch to say they are the key to the overall health and stability of the current housing industry.”While the millennial generation has been dubbed the renter generation, that namesake may not be appropriate anymore. Millennials, the largest generation, are actually a significant driving force for buyer demand in the housing market today. If you’re wondering if buyers are still out there, know that there are still people who are searching for a home to buy today. And your house may be exactly what they’re looking for.3. Can I Afford To Buy My Next Home?If current market conditions have you worried about how you’ll afford your next move, consider this: you may have more equity in your current home than you realize.Homeowners have gained significant equity over the past few years and that equity can make a big difference in the affordability equation, especially with mortgage rates higher now than they were last year. According to Mark Fleming, Chief Economist at First American:“. . . homeowners, in aggregate, have historically high levels of home equity. For some of those equity-rich homeowners, that means moving and taking on a higher mortgage rate isn’t a huge deal—especially if they are moving to a more affordable city.” Bottom LineIf you’re thinking about selling your house this season, let’s connect so you have the expert insights you need to make the best possible move today.

If you put a pause on your home search because you weren’t sure where you’d go once you sold your house, it might be a good time to get back into the market. If you’re willing to work with a trusted agent to consider a newly built home, you may have even more options and incentives than you realize. That may be why the National Association of Home Builders (NAHB) says the share of buyers looking for new construction is increasing:“According to the quarterly Housing Trends Report, the popularity of new construction homes is continuing to rebound . . .”Here’s a few reasons more buyers may be drawn to newly built homes.More Options To Choose from and Potential Builder IncentivesWhen looking for a home, you can choose between existing homes (those that are already built and previously owned) and newly constructed ones. While the inventory of existing homes has increased this year, it’s still below more typical years like 2019. Currently, according to the National Association of Realtors (NAR), there is a 3.2-month supply at the current sales pace. For reference, a roughly 6-month supply is considered a balanced market, leaving us in a sellers’ market today.While it’s a smaller segment of the overall inventory of homes for sale, the supply of newly built homes has grown even more. The National Association of Home Builders (NAHB) explains:“New single-family home inventory remained elevated at a 9.2 months’ supply (of varying stages of construction). A measure near a 6 months’ supply is considered balanced.”Here’s why this matters for you. While you have more homes to choose from in either category, there’s one extra benefit of newly built homes. Because the inventory of newly built homes has grown so much, builders are motivated to sell their properties before they build more. Back in the housing crash of 2008, builders were building too many homes, and that oversupply is part of what contributed to the housing bubble bursting. Now, builders don’t want to have a surplus of inventory in their pipeline, and many are offering buyers incentives to help move that inventory along. As Doug Duncan, Chief Economist at Fannie Mae, explains:“. . . a continual increase in the number of completed homes available for sale is now occurring, with the inventories of such homes now at the highest level since July 2020. . . . This suggests to us that builders may be increasingly willing to offer more aggressive incentives and discounts to maintain sales of completed inventory.”While specifics will vary by builder and market, some buyers are seeing builders reduce prices and offer incentives. To find out what’s available in your area, lean on a trusted real estate professional.Lifestyle Benefits of Buying a Newly Built HomeIn addition to more supply and the potential for builder incentives, newly built homes have various benefits that may suit your lifestyle. For example, you likely won’t have as many little repairs to tackle, like leaky faucets, shutters to paint, and other odd jobs around the house. That can free up time for you to do other things you’re passionate about.Another perk of a new home is that nothing in the house is used. It’s brand new and uniquely yours from day one. You’ll have all new appliances, windows, roofing, and more. These things can help lower your energy costs, which can add up to significant savings over time. You may even have the latest and greatest technology features built into your new home.Builder sums up why some buyers today are turning to newly built homes:“For some, it’s the lure of something new and modern. For others, it’s the move-in ready experience. And now there’s another factor to consider when making this decision: technology.”If any of these benefits appeal to you, it’s time to connect with a trusted real estate advisor to learn more.Bottom LineIf you’re considering a newly built home, let’s connect so you have an expert guide on what’s available in our local market. Together we’ll explore your options and the benefits of an all-new home.

Experts agree there’s no chance of a large-scale foreclosure crisis like we saw back in 2008, and that’s good news for the housing market. As Mark Fleming, Chief Economist at First American, says:“. . . don’t expect a housing bust like the mid-2000s, 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):But even though the volume of homeowners at risk is very low, there is still a small percentage of homeowners who may be coming face to face with foreclosure as a possibility today. If you’re facing difficulties yourself, it can help to understand your options. It starts with knowing what foreclosure is. Investopedia defines it like this:“Typically, default is triggered when a borrower misses a specific number of monthly payments . . . Foreclosure is the legal process by which a lender attempts to recover the amount owed on a defaulted loan by taking ownership of and selling the mortgaged property.” The good news is there are alternatives available to help you avoid going through the foreclosure process, including:ReinstatementLoan modificationDeed-in-lieu of foreclosureShort saleBut before you go down any of those paths, it’s worth seeing if you have enough equity in your home to sell it and protect your investment.You May Be Able To Use Your Equity To Sell Your HouseEquity is the difference between what you owe on the home and its market value based on factors like price appreciation.In today’s real estate market, many homeowners have far more equity in their homes than they realize due to the home price appreciation we’ve seen over the past few years. According to CoreLogic:“The total average equity per borrower has now reached almost $300,000, the highest in the data series.”So, what does that mean for you? If you’ve lived in your house for at least a few years or more, chances are your home’s value, and your equity, has risen dramatically. In addition, the mortgage payments you’ve made during that time chipped away at the balance of your loan. If your home’s current value is higher than what you still owe on your loan, you may be able to use that increase to your advantage.Rick Sharga, Executive VP of Market Intelligence at ATTOM Data, explains how equity can help:“Very few of the properties entering the foreclosure process have reverted to the lender at the end of the foreclosure. . . We believe that this may be an indication that borrowers are leveraging their equity and selling their homes rather than risking the loss of their equity in a foreclosure auction.”Lean on Experts To Explore Your OptionsTo find out how much equity you have, work with a local real estate professional. They can give you an estimate of what your house could sell for based on recent sales of similar homes in your area. You may be able to sell your house to avoid foreclosure.If you find out you have to pursue other options, your agent can help with that too. They’ll be able to connect you with other professionals in the industry, like housing counselors, who can look into your unique situation and offer advice on next steps if selling isn’t your best alternative.Bottom LineIf you’re a homeowner facing hardship, let’s connect so you have an expert on your side to explore your options and see if you can sell your house to avoid foreclosure.

Some HighlightsVA Loans can help make homeownership possible for those who have served our country.These loans offer great benefits for eligible individuals and can help them buy a VA-approved house or condo, build a new home, or make improvements to their house.Homeownership is the American Dream. One way we can honor and thank our veterans is to ensure they have the best information about the benefits of VA home loans.

For over 78 years, Veterans Affairs (VA) home loans have provided millions of veterans with the opportunity to purchase homes of their own. If you or a loved one have served, it’s important to understand this program and its benefits.Here are some things you should know about VA loans before you start the homebuying process.What Are VA Loans?VA home loans provide a pathway to homeownership for those who have served our nation. The U.S. Department of Veterans Affairs describes the program like this:“VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.”Top Benefits of the VA Home Loan ProgramIn addition to helping eligible buyers achieve their homeownership dreams, VA loans have several other great benefits for buyers who qualify. According to the Department of Veteran Affairs:Qualified borrowers can often purchase a home with no down payment. Many other loans with down payments under 20% require Private Mortgage Insurance (PMI). VA Loans do not require PMI, which means veterans can save on their monthly housing costs.VA-Backed Loans often offer competitive terms and mortgage interest rates.A recent article from Veterans United sums up just how impactful this loan option can be:“For the vast majority of military borrowers, VA loans represent the most powerful lending program on the market. These flexible, $0-down payment mortgages have helped more than 24 million service members become homeowners since 1944.”John Bell, Acting Executive Director of the Department of Veterans Affairs Loan Guaranty Service, also explains why this program is so powerful:“It provides early ownership for many people that would not have that opportunity to begin with. Since there’s no down payment, it allows people to hold their wealth and it gives them the ability to have long term financial security by being able to own a house and let that equity grow.”Bottom LineHomeownership is the American Dream. Our veterans sacrifice so much in service of our nation, and one way we can honor and thank them is to ensure they have the best information about the benefits of VA home loans. Thank you for your service.