Our Annual Thanksgiving Pie Party Is Back and You're Invited


Thanksgiving is just around the corner, and my team and I want to invite you to our annual Thanksgiving Pie Party. 

RSVP HERE>>> pieparty2017.com

It’s that time of year again. Thanksgiving is just around the corner, and my team and I want to invite you to our annual Thanksgiving Pie Party coming up on Tuesday, November 21. There will be a photo booth, pies, contests, drawings, and lots of fun for the whole family. This is just our way of letting you know that appreciate your support.

Is the Denver Market in a Bubble?


I’m answering some important questions today about the future of the Denver real estate market. Stay tuned to see them for yourself.

Call me at 303-974-9471 for a FREE home buying or selling consultation to answer any of your real estate questions.

We’re entering the final quarter of 2017 and so far it’s been an amazing year for Denver. However, I’m still hearing a lot of different questions from people out there, such as: “Are we in a bubble that’s going to burst? Is Amazon coming to Denver? Will the housing crisis flood the market with new properties? What’s going to happen?”

My answers are simple. Interest rates are still hovering around 4%, so it’s a great time to lock in a 30-year mortgage. Secondly, jobs continue to grow in Denver. We will know by the first quarter of 2018 if Amazon chooses to make Denver the site of one of its main headquarters. If they do, it will add 50,000 jobs to the area.

As for inventory, we don’t have a lot of it so it continues to drive demand. As more and more people decide that now is the time to sell, it doesn’t mean everything will flatten out. I like to think of this market as kind of a false mountaintop. Just when you think you’ve hit the peak, there’s another gradual incline of 500 feet or so to go. We’ve hit the steepest part of the incline in our market, and the next few years will see much more gradual growth. 

Inventory is continuing to drive demand.

So, are we in a bubble? The answer is no. It’s still a great time to buy, sell, and invest in Denver real estate. Historically, property values double every two years. Just something to keep in mind.

If you have any questions for me in the meantime or need any help with buying or selling a home in the Denver area, don’t hesitate to give me a call or send me an email. I would love to hear from you soon.

How We Help Families Come Together Through Real Estate


Our goal as a team is to advance as many people’s lives as possible, and we do that by serving them the best we can.

Call me at 303-974-9471 for a FREE home buying or selling consultation to answer any of your real estate questions.

On our team, real estate is like a ministry. 

By that, we mean it allows us to touch people’s lives and let them know that they matter to us and that they’re loved. We get a chance to show them that they’re loved by serving them and listening to them. Seeing families come together and watching their dreams come true is the best part of this business. 

Seeing families come together and watching their dreams come true is the best part of this business.

How do we make people’s dreams come true?

It starts every Tuesday with our team huddle, which is our weekly gathering to organize our buyers, listings, and future clients. From there, we figure out how to take the next step forward and advance our clients’ goals. Our goal as a team is to advance as many lives as possible and help at least 100 families a year. 

In our business, our first job when working with a client is that of a matchmaker. Once you get under contract, you’re more like a wedding planner. When you’re with people going through that process, it’s an amazing experience. Some people find the home buying process stressful, but we devote ourselves to making sure they feel it’s the most pleasant experience they’ve ever had. 

We have two testimonials to share with you as an example of the mission we preach—one from a buyer and one from a seller.  

The first comes from Malcolm and Jean Wentling. Malcolm and Jean have lived in Heritage Eagle Bend for about 13 years. They love the area, but once they decided to sell their home, they chose us. 

“I’m so happy we chose Ryan to sell our home,” Malcolm says. “The marketing has been fantastic, from start to finish—beautiful.” 

Over the course of a single weekend with the Wentling’s home, we had nine showings and three offers. 

The second comes from David and Tricia Godfrey. David was a little concerned about going with a big real estate firm, but we felt that we really had his interest. 

"He worked for us non-stop, and we were out of state, so that was even more of a challenge for us,” Tricia says. 

Our team was diligent and nothing was left to chance. Many Realtors David previously worked with preferred to just show him houses and let him pick them up, but we took the extra effort and extra step to find out what they were looking for. 

“They understood us. They dug into what we liked—not what they liked,” David says. 

If you have any questions about how we serve our clients or you’re thinking about buying or selling a home in the Denver area, don’t hesitate to reach out to us. We’d love to help you.

Fannie Mae Loosens Their Mortgage Guidelines


Today I’ve got some exciting news to share with you about the recent changes to the Fannie Mae mortgage guidelines.

Call me at 303-974-9471 for a FREE home buying or selling consultation to answer any of your real estate questions.

Fannie Mae has made four important changes to the mortgage guidelines that will definitely impact homebuyers. 

First, they’ve loosened up the debt-to-income ratio. It used to be that only 45% of your income per month could go toward debt of any kind, including car payments, mortgage, or other payments. They’ve now upped that number to 50%, giving you a little more room to find the right home and still be able to afford it.

The second thing is that loan-to-value is now going to be in the same range for adjustable rate mortgages and fixed rate mortgages. It used to be that these weren’t equal or similar in value due to the debt-to-income ratio, but that has changed.

Self-employment documentation used to be far more complicated, with the requirement being that you needed to have two years of verifiable self-employment income in order to get a loan. Fannie Mae has now reduced that requirement to just one year of verifiable self-employment income, making it easier for anyone who is self-employed to get a home loan.

Finally, we’re seeing some changes to how Fannie Mae treats relocations. It used to be that anyone who needed to relocate for a new job needed to provide one or two months of income from the new employment before they could get a loan. It would slow the entire process down and make it difficult to relocate.

We’re seeing some changes to how Fannie Mae treats relocations.

Fannie Mae is now accepting a letter of employment from your new employer as proof of your relocation and will be able to approve a loan faster. This means that you can get the loan before you even start the job and finish your relocation on a faster timetable.

It’s great news to see these changes with the mortgage guidelines, as it helps people enter the market and finally get the home of their dreams. If you have any questions about this topic or you’re looking to buy or sell a home, please give me a call. I’d be happy to help!

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