Mondays with Matthew May 4, 2020

Let’s Discuss Mortgage Forbearance

On this week’s episode of “Mondays with Matthew” Matthew Gardner discusses mortgage forbearance and whether it will help or hurt the US housing market.

Colorado Real EstateFun Facts May 1, 2020

Another Real Estate Meltdown?

This week our Chief Economist took a deep dive into the numbers to examine the current health crisis versus the housing crisis of 2008.

The reason why?  People wonder if we are going to have another housing meltdown nationally and going to see foreclosures and short sales dramatically increase.

It turns out that the numbers show that today’s housing environment is quite different than 2007, right before the housing bubble burst.

Specifically, homeowners are in a vastly different situation with their mortgage compared to the pre-Great Recession’s housing meltdown.

In addition to much higher credit scores and much higher amounts of equity compared to 2007, the most significant difference today is in the amount of ARM mortgages.

Back in years leading up to the housing bubble, Adjustable Rate Mortgages were very prevalent.  In 2007 there were just under 13 million active adjustable rate loans, today there are just over 3 million.

The number of those ARMs that would reset within three years was 5 million in 2007 compared to only 320,000 today.

It’s those Adjustable Rate loans resetting to a higher monthly payment that caused such a big part of the housing crisis back in 2008 to 2010.

Back then not only was people’s employment impacted, but many were facing increased monthly mortgage payments.

That’s why there were so many foreclosures and short sales in 2008 to 2010.

That is not the case today and one of many reasons why we don’t foresee a housing meltdown.

At Windermere Real Estate we are taking Safer at Home and Social Distancing very seriously.  Our people are following our Safe Showings protocol, staying connected to their clients, and providing help wherever needed.
Moving tips October 17, 2019

Moving with Kids: From Closing Day to Moving Day

Photo by Pixabay


When it comes time to move into a new home, especially with kids, you really have to be able to roll with the punches. As most parents can attest, life with kids, in general, requires an ability to go with the flow. In fact, so does moving. Whether you’re moving across the street, across the state or across the country, having kids in tow can make for a whole different experience — even at the home buying and selling stage. Here are a few resources to help you from the moment you decide to buy to the first time you unlock your new front door.


Do Your Research

The house of your dreams before kids hardly resembles the house of your dreams today. A big master bedroom may not be as important as a big backyard. Make a list of what your family needs and wants and then hit the internet — research the best prices and neighborhoods in your region so you have a baseline for weighing your options. For example, knowing that the average sale price for a home in Fort Collins is $395,000 can help you when it comes to looking for homes and making an offer. Many parents consider school districts, nearby parks and playgrounds, and crime rate to be important considerations when moving with children.


Go for Low Stress

Moving day is stressful no matter how you cut it. With kids along, it can be a madhouse if you haven’t taken the time to prepare and plan. It might be a good idea to have a family meeting to discuss how the day will pan out and come up with a fun outing afterward. You can make moving day less stressful for you and your kids by:


  • Packing nonessentials in advance (you can buy moving boxes at Home Depot for less than $1 each).
  • Creating a moving-day schedule and explain it to your kids before the big day.
  • Arranging for child care, especially if you have little ones who will most likely get underfoot more than they will help out.
  • Hiring movers to get the loading and unloading completed quickly so you can be there for your child throughout the day.
  • Deciding in advance if you need to store certain belongings that won’t fit in the new home right away. Book a storage unit as soon as possible to save time and reduce stress. You can rent a 5×5 storage unit in Fort Collins for $52.61 per month on average, or as low as $44 per month.


Settle in the New Space

Perhaps the most important part of moving into a new home with kids is being intentional about how you settle in. This is especially important if your kids will be attending new schools or leaving behind close neighborhood friends. Settling into your new home comes with a little finesse. You can start things off on a happy note by:

  • Unpacking and putting together the kids’ rooms first. Let them have some say in where things will go and help you as you put away favorite toys.
  • Phasing in new furniture and other belongings so there is a mixture of the familiar with the new. This way, your children will still feel at home because the change has been gradual.
  • Offering a reward for moving, such as that puppy they’ve been begging for since last year or a new swing set for the backyard.
  • Taking your kids to meet the neighbors, especially those who have kids themselves. A new friendship is a great way to kick off a new neighborhood.
  • Sticking to the same rituals and routines you had at the old house. If you took family walks after dinner, keep it up. If the kids took a bath and read a book before bedtime, try to stay on the same timeframe.


Your children will be very sensitive to the move, even if they don’t show it right away. Change, even well-planned, can be chaotic for kids. It’s important your kids know they can talk with you, even if it’s to share their anger or shed a few tears.


Credit : Kris Louis of

Colorado Real EstateColorado Real Estate Market UpdateFun Facts October 17, 2019

Add to Your Net Worth!

It’s no surprise that for just about every homeowner, their real estate represents the largest portion of their net worth.

Check out these numbers from the Federal Reserve’s Survey of Consumer Finances:

  • Median Net Worth in the U.S. = $97,300
  • Median Net Worth of a Renter = $5,200
  • Median Net Worth of a Homeowner = $231,400
Colorado Real EstateFun FactsReal Estate Tips September 13, 2019

Rate Bounce

Rates hit near-historic lows this week and are now at 3.49% for a 30-year mortgage.

There have only been two other times in history when rates have been this low- April 2013 and October 2016.

It’s interesting to see what happened soon after bottoming out these last two times.

In April of 2013 rates hit 3.41%. By August 2013 they had jumped to 4.40%.

Rates bottomed again in October 2016 at 3.42%. Just two months later in December 2016 they were 4.32%.

Each time the increase was nearly 1% within just a few months.

So, if history proves itself as a guide, we can’t expect these rates to last for long.

Fort Collins Real EstateVirtual Tours April 30, 2019

Amazing and Rare Horse Property in Fort Collins!

10257 N County Rd 17 has many outbuildings, horse facilities, views, and a cute updated home. Horse features include 10 stalls, 8 loafing sheds, 15 auto waterers (in pastures & runs), outdoor arena, foaling stall, 1560 sq ft hay barn, turn-out traps & pasture. Outbuildings – 36′ x 45′ greenhouse with lights, 1500 sq ft pole barn/garage with 454 sq ft loft. Home has been updated over the years and features an office, patio off of the master, and a sun-room. Call for your private showing at (970) 691-0056 for more information or click the link below for more details.

Colorado Real EstateFun FactsNorthern Colorado Real Estate March 1, 2019

Real Estate Rankings by City… #1 is Vegas

Vegas Baby!

The results are in from’s latest ranking of the top performing markets in the U.S.

Each quarter they track 245 cities across the country and rank their real estate markets by home price appreciation.


What’s the highest performing city the the U.S.

Vegas!  Their prices have gone up 17.63% in the last year.


How about the worst?

Bloomington, Illinois sits in dead last where prices went down 3.58%


Here’s how Colorado cities are ranked:

• #10 Colo. Springs = 11.41%
• #16 Greeley = 10.68%
• #59 Fort Collins = 8.29%
• #64 Denver = 8.15%
• #97 Boulder = 6.85%

Loveland Real EstateVirtual Tours October 8, 2018

Charming Brick Ranch in Loveland!

This adorable brick ranch at 906 Heather Dr offers plenty of space and a large yard with mature trees. The main floor has beautiful original hardwood floors, 3 bedrooms, and a large covered deck right off of the dining area. Both the main floor and the basement have wood burning fireplaces and full bathrooms. The basement has 2 bedrooms, one is non-conforming, and a large family room. Newer roof and ready to move into. Call for your private showing at 970-691-0056 for more information or click the link below for more details.

Loveland Real EstateVirtual Tours September 4, 2018

Super Cute & Clean Ranch Style Home in Loveland!

This ranch style home at 2318 Firstview Dr is on a quiet street with large trees and has no HOA. Inside has 2 separate living areas, office, and an open kitchen. The large backyard features a covered patio, raised flower beds, and privacy – a little outdoor oasis, perfect to drink your morning coffee or to have friends over to BBQ. Large insulated and heated 2-car garage. Brand new roof. Home has been pre-inspected.  Call for your private showing at 970-691-0056 for more information or click the link below for more details.

Longmont Real EstateVirtual Tours August 27, 2018

Bright and Spacious Home in Longmont!

This spacious 4 bedroom home at 454 Elliott St in Longmont offers mature landscaping and a large back yard. The upper level features 2 bedrooms, new laminate flooring, and an open floor plan-great for entertaining or family time. The lower level has a large entertainment room and an additional 2 bedrooms. The fenced in back yard is complete with a concrete patio, storage shed, and raised garden beds! Call for your private showing at 970-691-0056 for more information or click the link below for more details.