10 Mistakes you should not do as a Buyer

Everytime I meet with a new home buyer, I give them a Home Buyer's Guide so they can familiarize themselves with the home buying process. In this guide, I talk about the 10 most common mistakes made by buyers. Wait to buy until interest rates come down Looking at NEW homes without your Realtor Buying big ticket items before your the mortgage is approved Making an offer way under the asking price Not getting a home inspection on a brand new home Applying for a mortgage with multiple companies Going to a For Sale By Owner without a Realtor Not getting a detailed Good … Continue reading...

Tips for Home Ownership in the Denver, Aurora, or Cherry Creek Area.

🏡 The Steps to Homeownership Check Your FinancesReview your credit score, income, and savings. A healthy credit score and some money set aside for a down payment and closing costs will set you up for success. Get Pre-ApprovedTalk to a trusted lender to find out how much home you can afford. A pre-approval letter shows sellers you’re serious and ready to buy. Find Your REALTORÂŽPartner with an experienced agent (like me 😉) who knows your area and will guide you every step of the way—from search to keys in hand! Start Your Home SearchMake a list of your must-haves and … Continue reading...

What about your credit rating,

A high credit score gets consumers a lower mortgage payment. A lower score costs consumers with a more expensive mortgage. Finding out how to protect your credit score is critical to your financial well being. A soft credit inquiry does not impact credit scores. It’s typically done for informational purposes and not for lending decisions. A mortgage preapproval with only a soft credit check is hard to come by. … Continue reading...

What the cost of renting is costing you vs if you buy a home?

Now imagine putting that same monthly payment toward a mortgage. Even if home prices and interest rates seem high right now, every payment you make as a homeowner builds equity — a long-term investment in your future. Plus, you benefit from tax deductions on mortgage interest and the potential appreciation of your home’s value over time. Of course, owning a home comes with responsibilities: maintenance, property taxes, and insurance. But it also comes with freedom — the freedom to make your space truly yours, the stability of predictable payments, and the satisfaction of watching your … Continue reading...

5 Smart Ways Homebuyers Can Win During Inflation: Understanding Mortgages & Real Estate in Denver

How Inflation Affects Mortgages Inflation influences nearly every corner of the economy — from food prices to borrowing costs. When inflation rises, money loses value and lenders increase interest rates to protect their investments. 🔹 Higher inflation = higher rates for new loans, reducing affordability. 🔹 Fixed-rate homeowners benefit, since their payment never changes. If your mortgage is fixed, inflation actually works in your favor. Your monthly payment stays the same while income and home values often rise. Over time, you’re paying back your loan with dollars worth less than when … Continue reading...

Market Report for Aurora Zip Code 80012

  Aurora, CO 80012 Sun Oct 19 2025 Market Report create delete By Will Hamm Real Estate Broker/Owner with Hamm Homes October 19, 2025 09:42 AM Report This week the median list price for Aurora, CO 80012 is $478,076. Median List Price $478,076 Median Price of New Listings $472,000 Per Square Foot $212 Average Days on Market 206 Median Days on Market 77 Price Decreased 66% Price Increased 0% Relisted 12% Inventory 58 Median Rent $2,500 Looking to buy in Aurora,  Call me at … Continue reading...

Information on Buying and Selling that could help the way you think!

  If You’re Buying... You need to know what's happening in your area because that’s going to influence everything from how quickly you need to make an offer to how much negotiating power you’ll have once you do. In a market where prices are still inching up, waiting around could mean paying more down the line. In a market where they’re easing, you may be able to ask for things like repairs or closing cost help to sweeten the deal. The bottom line? Knowing your local trend puts you in the driver’s seat.  If You’re Selling... You’ll want to be aware of local trends, so … Continue reading...

How much money do you need for a down payment?

Here’s why the right answer is so important for you to know. A lot of people overestimate how much they really need to save for a down payment. The most common answers? 10 or 20%. The truth: you may be able to put down as little as 3%. According to FirstHomeIQ, only 8 out of 100 people actually get this right. Don’t let misinformation hold you back. What did you guess? Drop a comment below. And if you want more information, talk to a trusted lender. … Continue reading...

Does size matter??

Yes, the size of your down payment matters - but not in the way you might think. Depending on your personal situation, you may want to have more cash on hand to invest, make repairs, or for an emergency fund. On the other hand, your priority might be lower monthly payments (and avoiding PMI could help you get there). Whatever your situation, just remember that there are a lot of loan programs out there, and it's your loan officer's job to help you find the right one for you! … Continue reading...

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