Tag: colorado home loans

UWM 1-0 Buydown: Real Year-One Savings, Honest Trade-Offs

Post author By Chris Gibson
Post date May 12, 2026

UWM Free 1-0 Buydown promotional graphic — bright neon arrow pointing at the words FREE 1-0 BUYDOWN on a dark background — UWM's Free 1-0 Buydown promotion — currently funded by the lender at no out-of-pocket cost to the buyer.

UWM is paying for a 1-0 temporary buydown right now. It drops a buyer’s first-year mortgage rate by a full percentage point. No out-of-pocket cost. On a $600,000 loan, that’s about $280 a month, or roughly $3,400 across the first 12 months. There’s a real trade-off: a slightly lower permanent rate exists without the buydown. The break-even between the two is around 3.5 years. The 10-year Treasury is back near where it was a year ago. The odds of a refinance window opening before then are good. For a West Seattle or Burien buyer stretching to make a $600,000 purchase work, that first-year breathing room can be the difference between buying now and waiting twelve months.

What the UWM 1-0 Buydown Actually Does

UWM is running an aggressive promotion. It’s a “Free” 1-0 temporary buydown they fund out of their own pricing margin. The mechanics are simple. For the first 12 months, the buyer pays as if their rate is 1% lower than the note rate. In Year 2 through Year 30, the full note rate kicks in. The subsidy sits in an escrow account at closing and pays the difference each month during Year 1.

UWM is funding the buydown. It does not come out of the buyer’s pocket. It does not eat into a seller credit. It does not require any negotiation in the purchase contract. From a buyer’s cash-to-close perspective, it is genuinely free.

How Much Does It Save in Year One?

On a $600,000 loan, the 1-point rate reduction is worth roughly $280 a month in lower principal and interest. Over 12 months that totals around $3,400. Real affordability relief in the first year — when buyers are also absorbing moving costs, furniture, and repairs that nobody quotes them on the GFE.

For a buyer on the fence because the monthly payment was just outside their comfort zone, this changes the math. It reframes what’s actually affordable in the first year of ownership.

Where’s the Catch? The Real Trade-Off Against the Permanent Rate

Calling it Free is technically accurate from the buyer’s side. It is not free in the absolute sense. UWM is spending pricing margin on the Year 1 subsidy that could otherwise have gone toward a slightly lower permanent rate. On the same rate sheet, the same buyer can typically lock about a quarter-point lower rate for the full 30 years. No buydown, no Year 1 cushion. Just a permanently cheaper payment.

So the choice is a real trade-off. Year 1 cushion versus permanent monthly savings over the life of the loan. Anyone telling a buyer it is a no-brainer either way is oversimplifying.

3.5 years break-even point for UWM 1-0 buydown versus lower permanent mortgage rate — The break-even point: hold the loan past about 3.5 years and the lower permanent rate beats the buydown.

When Does the UWM 1-0 Buydown Win?

The break-even between the buydown and the lower permanent rate works out to roughly 3 years 7 months. If the buyer refinances or sells before then, the buydown wins. If they hold the loan past that point, the lower permanent rate pulls ahead. And stays ahead for the rest of the term.

The math is straightforward. The buyer banks about $3,400 in Year 1 with the buydown. Then they pay roughly $110 a month more than they would have on the lower permanent rate, every month after that. Those $110 chunks chew through the $3,400 head start over about 31 months in Year 2 onward. Total time to break even: 12 plus 31, or 43 months.

Why a Refi Window Inside 3.5 Years Is More Likely Than Not

This is where the timing question matters. The 10-year Treasury drives mortgage rates more than any other single input. It closed at 4.46% as of mid-May. That’s up from a late-February low near 3.97%. That’s roughly half a percentage point of upward move in about ten weeks. It puts the 10-year right back near where it was a year ago.

10-year Treasury yield year-to-date chart showing rise from late-February low near 3.97 percent to 4.463 percent in May 2026 — 10-Year Treasury YTD 2026: up from a late-February low near 3.97% to 4.46% in mid-May — almost half a percentage point of upward move in about ten weeks.

The directional implication is simple. There’s real room for the 10-year to fall back toward that February low. That happens if economic data softens or the Fed signals more accommodation. Most major forecasters expect 30-year fixed rates to drift lower through late 2026 and into 2027. That includes the Mortgage Bankers Association and Fannie Mae. Whether the move is gradual or sharp depends on the data, but the directional consensus is clear.

For a buyer choosing between the buydown and the lower permanent rate, that backdrop tilts the decision. A refinance opportunity opening in the next 24 to 36 months is more likely than not. That’s well inside the 3.5-year break-even window where the buydown wins.

How to Frame the Math for a Client on the Fence

The buyer needs three pieces of information to make this decision. None of them are about the buydown itself:

How long they realistically plan to hold the loan. The median U.S. homeowner stays put for 11.8 years. But the average mortgage only lives 5 to 7 years — because refinances end loans too. If they refi inside 3.5 years, the buydown wins.
What their cash-flow priorities look like in Year 1 specifically. First-year homeownership tends to be the most cash-strained year for any new owner — especially for Puget Sound buyers absorbing property taxes that are higher than what their lender estimated. The $3,400 Year 1 cushion has different value to a buyer who’s stretched than to a buyer who isn’t.
Their rate forecast posture. If they believe rates are flat or rising for the next several years, the lower permanent rate looks better. If they think rates are likely to drop and they will refinance, the buydown looks better. The 10-year’s recent move suggests the latter is plausible.

The math is not the hard part. The judgment about which lever to pull is. That is the conversation worth having before lock day.

FAQ

Is the UWM 1-0 buydown actually free?

Free from the buyer’s perspective — they pay nothing out of pocket for the buydown. UWM funds it from their pricing margin. The trade-off is that the same buyer could lock a slightly lower permanent rate without the buydown. So while there is no upfront cost, there is an opportunity cost compared to the alternative permanent rate.

What is a 1-0 temporary buydown?

A 1-0 temporary buydown means the borrower’s effective interest rate is 1 percentage point lower than the note rate for the first 12 months. After that, it steps up to the full note rate for Year 2 through Year 30. The Year 1 subsidy is funded by a lump-sum credit at closing. That credit sits in an escrow account. It pays the lender the difference each month during the buydown period.

How much does the UWM 1-0 buydown save on a $600,000 loan?

On a $600,000 loan, the 1-point reduction is roughly $280 a month in lower principal and interest. That runs for 12 months, or about $3,400 in total first-year savings. The exact figure varies slightly based on the underlying note rate, but the order of magnitude holds across the typical conventional loan range.

What happens if the borrower refinances during Year 1?

If the loan is refinanced or paid off before the 12-month buydown period ends, any unused buydown funds in escrow are typically applied as a credit toward the new loan. Or returned to the borrower per the lender’s specific buydown agreement. The funds do not disappear, but the exact treatment depends on UWM’s program terms. Verify in writing before the loan closes.

When does the buydown beat the lower permanent rate?

The break-even sits around 3 years 7 months on a typical loan. Hold the loan less than that, and the buydown wins. Hold it longer, and the lower permanent rate wins. Many mortgages do not survive 3.5 years anyway. Between refinances and home sales, the average mortgage lifespan in the U.S. is 5 to 7 years. Many end sooner when rates drop.

The Bottom Line

UWM’s “Free” 1-0 buydown is a meaningfully good product right now. Not because it’s free in the absolute sense. Because the current rate environment makes the trade-off lean in its favor. The buyer gets real Year 1 relief. The cost is borne by the lender. The break-even falls well inside the window where most mortgages get refinanced anyway. For a buyer on the fence about whether the monthly payment works, this is the kind of product that moves the needle.

The trade-off against the slightly lower permanent rate is the conversation worth having before the buyer commits to either path. Run the numbers on their actual loan size. Ask the right questions about how long they plan to keep the loan. The right answer is almost always specific to the buyer, not the product.

If you have a client weighing affordability options, or deciding between a temporary buydown and a permanent rate, send them my way. Happy to walk through the math on their specific loan.

Don’t just take my word on the UWM 1-0 buydown

If you want a read on how I work with clients before sending one my way, here’s where past borrowers and partners have weighed in:

Reviews on Mortgage Matchup ↗ Reviews on Google ↗

Follow along:

If you have a client weighing the UWM 1-0 buydown against a buy-down of the permanent rate, send them my way. We’ll run the actual numbers on their loan size, target rate, and realistic hold horizon.

Tags 1-0 buydown, 10-year treasury, colorado home loans, mortgage affordability, mortgages, temporary buydown, united wholesale mortgage

For Real Estate Pros Loan Strategy

Virtual Mortgage Closing: Convenience Most Lenders Can’t Match

Post author By Chris Gibson
Post date April 25, 2026

Woman signing a virtual mortgage closing on a laptop from a beach chair, dog at her feet

A virtual mortgage closing lets everyone on the loan sign electronically from wherever they happen to be. The borrower, the co-buyer, the co-signer — each one joins a short video call with a remote notary, on their own schedule. Most lenders still won’t do this. Instead, they make every party show up in person at a title company on a specific day, at a specific time. However, United Wholesale Mortgage is one of the lenders that does offer virtual mortgage closing, in both Washington state and Colorado. I had a recent file with two co-buyers and two co-signers spread across multiple time zones, and what would have been a week of scheduling chaos turned into a non-event.

What a Virtual Mortgage Closing Actually Is

A virtual mortgage closing replaces the in-person signing room with a secure video call. Instead of driving to a title company, you log in from your laptop or phone. Specifically, the notarization happens through Remote Online Notarization, or RON. A licensed notary checks your ID over video and notarizes your signatures digitally. Subsequently, the closing team countersigns, the county records the deed, and the lender funds the loan. So legally, the transaction matches an in-person closing in every state that permits RON.

Overall, the difference is the friction. Nobody drives across town. Nobody rearranges the day. Consequently, the whole closing becomes a thirty-minute video session, and the bottleneck shifts from “get everyone in the same room” to “find a half-hour that works.”

Father attending a virtual mortgage closing on a laptop from the bleachers at his kid's soccer game — Sign from the sidelines. Every party on the loan can join from anywhere on their own schedule.

Why Most Lenders Still Make Everyone Show Up in Person

RON has been legal in most states for years. Both Washington state and Colorado permit RON for mortgage closings, but lender adoption stays uneven. Specifically, building the technology takes real engineering work: secure ID verification, audio and video recording, integration with title companies and county recorders. Therefore, plenty of mid-sized lenders just haven’t built it. And some retail banks and credit unions still default to in-person closings because their compliance teams prefer that posture, full stop.

So if your client lands at a lender that doesn’t offer it, every signer has to physically appear at a title company. The slot is fixed: a specific date, a specific time. In theory that’s tolerable. In practice it’s the part of the deal where things break.

What Most People Don’t Realize: A Co-Signer Is a Co-Buyer

Here’s a misconception that bites a lot of buyers. When someone co-signs on a mortgage, they’re not just lending a credit score. Maybe a parent helps a kid qualify. Or a sibling lends their income. Or a friend bridges a credit gap. Whatever the situation, the co-signer signs the note. They’re on the loan. So they have to show up to the closing the same way the primary borrower does.

For example, take a parent in Spokane helping their daughter close on a house in Denver. Traditionally that meant flying out for a thirty-minute appointment. A co-signer who travels for work had to reschedule the trip. Likewise, someone already feeling like they’re doing the buyer a favor saw the in-person requirement as punishment for being generous. The friction isn’t theoretical. It lands hardest on the people doing the most help.

Man completing a virtual mortgage closing on a laptop from a hospital bed — When a co-signer can’t physically travel, a virtual mortgage closing keeps the deal on schedule.

How a Virtual Mortgage Closing Solves the Logistics Problem

Once everyone on the loan can sign remotely, location stops mattering. First, each signer gets a link. Next, they join a short video session with the notary at a time that works. They walk through the documents on screen, then sign. The whole thing usually takes about an hour per signer, often less. Some sign from a kitchen table. Others sign on a lunch break. Three signers can do it in three different time zones on the same day, and nobody has to coordinate calendars beyond their own.

Finally, the deal closes on schedule. Nobody flies in. Nobody takes a half-day off work. The buyer gets the keys.

A Recent Example: Two Co-Buyers, Two Co-Signers, Four Schedules

A recent file of mine had two co-buyers and two co-signers, four signers total. Each one lived in a different city. Each one kept a different schedule. Under the old model, this kind of deal drags closing out by a week while everyone tries to find a mutual two-hour window. With UWM’s virtual mortgage closing, though, each of the four signed at their own convenience. The whole signing wrapped inside a single business day. All four sat in different time zones; the property was here in South King County.

Overall, the narrative for my client flipped completely. What used to feel like extreme inconvenience for the people doing them a favor became extreme convenience instead. That’s not a small thing. Treat co-signers and co-buyers well at closing, and they say yes the next time a family member asks for help.

On the other side: a remote notary runs the closing for two borrowers over video.

What This Means for Your Next Deal

If you’re a real estate agent and your buyer needs a co-signer to qualify, the lender choice matters more than people realize. By contrast, a lender without virtual mortgage closing can turn a clean qualification into a logistics scramble on day 28 of a 30-day close. So ask early, before the buyer commits, whether the lender supports it. The question is simple: “Do you offer Remote Online Notarization for every party on the loan, in this state, on this product?” The answer should come back yes, no, or a quick check. Never a long story. For West Seattle, Vashon Island, and Bainbridge Island agents in particular, ferry schedules and Friday traffic can turn a one-hour closing into a half-day operation. Virtual closing removes that variable entirely.

Want more on the questions worth asking a lender before recommending one to a client? Read What I Wish I Knew About Pre-Approvals. UWM’s products are summarized on the loan options page. The National Notary Association keeps a current state-by-state guide to RON law, and the Mortgage Bankers Association tracks adoption data on digital and remote closings.

FAQ

Is a virtual mortgage closing legally the same as an in-person one?

Yes. Indeed, RON produces a legally binding mortgage in every state that permits it, including Washington and Colorado. The county records the deed the same way. The lender funds the loan the same way. Signing and notarization just happen over secure video instead of across a table.

Is a co-signer the same as a co-buyer on a mortgage?

For mortgage purposes, yes. A co-signer signs the note and joins the loan, so they count as a co-buyer in everything that matters at closing. They sign the same documents the primary borrower signs. They attend the closing the same way, virtually or in person.

Why don’t more lenders offer virtual mortgage closing?

Two reasons. First, the technology stack takes real engineering that smaller lenders haven’t built: identity verification, secure video, integration with title companies and county recorders. Second, some lenders’ compliance teams still prefer in-person closings as their default, even where RON is fully legal. Notably, UWM ranks among the few wholesale lenders that have rolled out RON broadly.

Can a virtual mortgage closing work if signers are in different states?

Yes, in most cases. Specifically, RON laws apply to the notary’s location, not the signer’s. So as long as the notary holds a license in a state that permits RON for mortgage closings, signers can join from anywhere with a stable internet connection. For deals with co-buyers and co-signers spread across multiple states, that’s the whole point.

Don’t just take my word on virtual closings

If you want a read on how I work with clients before sending one my way, here’s where past borrowers and partners have weighed in:

Reviews on Mortgage Matchup ↗ Reviews on Google ↗

Follow along:

If you have a client who needs a co-signer or co-buyer to qualify and you want to know whether their lender will make closing day painless or painful, send them my way. We do virtual closings as a default, not an exception.

Tags co-buyer, co-signer mortgage, colorado home loans, for real estate agents, mortgages, remote online notarization, RON, united wholesale mortgage, UWM, virtual closings, virtual mortgage closing, washington home loans

Uncategorized

Chaffee & Lake Counties Market: October 2023 Insights

Post author By Chris Gibson
Post date November 20, 2023

Market Chaffee and Lake Counties: October 2023 Overview

Market Chaffee and Lake Counties: An Insightful October 2023 Overview

Introduction

Nestled in the heart of Colorado, Chaffee and Lake Counties offer a blend of natural splendor and real estate opportunity that’s hard to find elsewhere. This October 2023 market report provides an in-depth look at the core market statistics that paint a picture of current trends, aiding buyers, sellers, and enthusiasts alike to make informed decisions.

Chaffee County: A Blend of Nature and Community

Chaffee County, with its diverse landscape, is characterized by the Arkansas River’s winding paths and the towering peaks of the Sawatch Range. Salida, the largest city, sits approximately 7,083 feet above sea level…

Lake County: High-altitude Living with a Historical Twist

Adjacent Lake County is home to Leadville, the highest incorporated city in North America, perched at an elevation of about 10,152 feet…

Median Close Price

In October 2023, the median close price was $654,500, which is an increase from $634,000 in September 2023 and a significant rise from $569,000 in October 2022. This upward trend suggests a growing market, potentially favoring sellers with higher property values.

Active Listings

The number of active listings stood at 52 in October 2023, down from 45 in September 2023 but slightly up from 49 in October 2022. The small increase in listings year over year could indicate a more favorable environment for buyers.

Sales Numbers

The sales numbers for October 2023 were at 248, a decrease compared to 271 sales in September 2023 but an increase from 207 sales in October 2022. This points to a still-active market with more transactions occurring than the previous year.

Close Price to Original Price Ratio

As for the close price to the original price ratio, there was a slight decrease to 95% in October 2023 from 96.1% in September 2023, but an increase from 94.6% in October 2022. This could indicate that while sellers are getting closer to their asking price, buyers have had slightly more negotiating power than in the previous month.

Your Trusted Advisor

For personalized advice and insights, reach out to Christopher Gibson, a seasoned expert in the market Chaffee and Lake Counties…

NMLS: 1910430
Phone: 720-449-6622
Email: C@ChrisRayGibson.com

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Follow our journey and stay updated through Facebook, Instagram, LinkedIn, and Threads.

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Tags colorado home loans, Real Estate

Blog Today's Interest Rate

Today's Interest Rate January 27

Post author By admin
Post date January 27, 2022

Here is today’s interest rate quote by Gibson Home Loans:

Today’s Interest Rate

3.275% APR
3.173% before costs through United Wholesale Mortgage. Conventional Elite 30 day lock. January 27, 2022 at 2:58 PM

Terms

30 YR REFINANCE OWNER OCCUPIED SINGLE FAMILY
Value: $534K
Loan (No Cash-Out): $400K
Credit Score: 740+
Approximate Loan Cost: $7,130

What Will Your Rate Be?

Find out what your rate will be: www.GibsonRateCheck.com

About Us

Home Loan Originators Christopher Gibson & Brandon Gibson at C2 Financial Corporation are your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity.
Licensed to originate loans in all of Colorado. We primarily utilize United Wholesale Mortgage to offer the highest quality service and technology to make the mortgage process as easy on our clients as possible. We reduce our compensation to attempt to secure the lowest rates and costs possible for our clients, as well and we want to provide the best service AND the best rates.
Christopher & Brandon Gibson are brothers and Colorado natives. They began in the mortgage industry in 2019. Serving mostly friends and family, client satisfaction and referral business is their focus.

Disclosure

This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the Colorado Department of Real Estate, NMLS # 135622 NMLS# 1910935. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all. Rates subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of Colorado. www.GibsonHomeLoans.com | Chris Gibson | (720) 394-8861 | C@ChrisRayGibson.com | Brandon Gibson | (303) 332-5523 | B@BrandonPGibson.com

#Colorado #HomeLoans #Mortgages #RealEstate #Denver #ColoradoLove #WereAllInThisTogether

Tags colorado home loans, Colorado Mortgage Rates, colorado refinance rates, denver home loans, home loan originator, mortgage rate trend, mortgages, united wholesale mortgage

Mortgage Rate Trends Weekly Mortgage Rate Trends

Mortgage Rate Trend January 27-February 2

Post author By admin
Post date January 27, 2022

Here is the latest mortgage rate trend.

This Week’s Mortgage Rate Trend

When looking into mortgage options, it is important to research the mortgage rate trend and review what mortgage experts predict. As home loan originators, we work hard to stay up to date on the mortgage rate trend for our clients. Here is the latest mortgage rate trend forecast for this week.

Mortgage Experts

Mortgage experts mostly think rates will rise in the coming week (Jan. 27 – Feb. 2). In response to Bankrate’s weekly poll, 80% said rates are headed higher. Meanwhile, 10% said they would remain the same and another 10% predicted they would fall.

Based on the mortgage rate trend, it might be a good time to consider refinancing your current mortgage. Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.

Your Rate Options

A great way to begin the process of refinancing is to look at your rate options. We would love to help you out. Click the link below to determine what rate options are available to you: https://gibsonratecheck.com

Refinance Process

Are you curious about how the refinance process works? Here’s how our home refinance process works:

Complete our simple home refinance analysis request.
Receive options based on your unique criteria and scenario
Compare mortgage interest rates and terms
Choose the offer that best fits your needs

We Want To Help

As licensed loan originators serving all of Colorado, we primarily utilize United Wholesale Mortgage to offer the highest quality service and technology to make the mortgage process as easy on our clients as possible. Our top priority is to provide the best service AND the best rates.
As brothers and Colorado natives, we serve mostly friends and family. Client satisfaction and referral business is our focus.

#Colorado #HomeLoans #Mortgages #RealEstate #Denver #ColoradoLove #WereAllInThisTogether

Tags colorado home loans, Colorado Mortgage Rates, colorado refinance rates, denver home loans, home loan originator, mortgage rate trend, mortgages, united wholesale mortgage

Blog Today's Interest Rate

Today's Interest Rate January 26

Post author By admin
Post date January 26, 2022

Here is today’s interest rate quote by Gibson Home Loans:

Today’s Interest Rate

3.148% APR
3.046% before costs through United Wholesale Mortgage. Conventional Elite 30 day lock. January 26, 2022 at 12:52 PM

Terms

30 YR REFINANCE OWNER OCCUPIED SINGLE FAMILY
Value: $534K
Loan (No Cash-Out): $400K
Credit Score: 740+
Approximate Loan Cost: $7,130

What Will Your Rate Be?

Find out what your rate will be: www.GibsonRateCheck.com

About Us

Disclosure

#Colorado #HomeLoans #Mortgages #RealEstate #Denver #ColoradoLove #WereAllInThisTogether

Tags colorado home loans, Colorado Mortgage Rates, colorado refinance rates, denver home loans, home loan originator, mortgage rate trend, mortgages, united wholesale mortgage

Blog Today's Interest Rate

Today's Interest Rate January 25

Post author By admin
Post date January 25, 2022

Here is today’s interest rate quote by Gibson Home Loans:

Today’s Interest Rate

3.140% APR
3.038% before costs through United Wholesale Mortgage. Conventional Elite 30 day lock. January 25, 2022 at 2:29 PM

Terms

30 YR REFINANCE OWNER OCCUPIED SINGLE FAMILY
Value: $534K
Loan (No Cash-Out): $400K
Credit Score: 740+
Approximate Loan Cost: $7,130

What Will Your Rate Be?

Find out what your rate will be: www.GibsonRateCheck.com

About Us

Disclosure

#Colorado #HomeLoans #Mortgages #RealEstate #Denver #ColoradoLove #WereAllInThisTogether

Tags colorado home loans, Colorado Mortgage Rates, colorado refinance rates, denver home loans, home loan originator, mortgage rate trend, mortgages, united wholesale mortgage

Blog Colorado Real Estate News

Colorado Real Estate News January 2022

Post author By admin
Post date January 25, 2022

Colorado Real Estate News

Colorado Home Loan Originators Brandon Gibson & Christopher Gibson – www.GibsonHomeLoans.com

	Published by
	Chris Gibson & Brandon Gibson

24 January 2022

Read paper →

Stories Homes & Trends Colorado Mortgages Super Local For Realtors Leisure

We know you expect us to be in the know when it comes to real estate news in and around Denver and Colorado, and now you can be too. We hope you find this latest version of our newsletter interesting and helpful. I cannot thank you enough for all the referrals. Have a great day!
Best regards,
Chris & Brandon Gibson

Mortgage Rates in U.S. Soar to the Highest Since March 2020

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	Chris Gibson & Brandon Gibson

bloomberg.com – Mortgage rates in the U.S. rose for a third straight week, reaching the highest point in almost two years.

It’s not just Denver, housing prices are also skyrocketing in Colorado Springs, and it may be a while before they slow down

	Shared by
	Chris Gibson & Brandon Gibson

cpr.org – They're still setting new records, and one expert says it might be a decade before housing prices cool off along the Front Range.

Buyers Want To Know: Why Is Housing Supply Still So Low?

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	Chris Gibson & Brandon Gibson

keepingcurrentmatters.com – One key question that’s top of mind for homebuyers this year is: why is it so hard to find a house to buy?

Supply and labor shortages double the time it’ll take to rebuild homes lost in the Marshall fire

	Shared by
	Chris Gibson & Brandon Gibson

coloradosun.com – Rebuilding homes lost to the Marshall fire will be a long haul effort as labor and supply shortages get in the way.

Rising Rates Pressure Buyers

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	Chris Gibson & Brandon Gibson

magazine.realtor – House hunters are watching mortgage rates closely. After all, every increase could have an impact on affordability, particularly given escalating home prices.

What’s Going To Happen with Home Prices This Year?

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	Chris Gibson & Brandon Gibson

keepingcurrentmatters.com – After almost two years of double-digit increases, many experts thought home price appreciation would decelerate or happen at a slower pace in the last quarter of 2021.

Can you use your ADU as a short-term rental? Yes, and that’s sort of the point.

	Shared by
	Chris Gibson & Brandon Gibson

denverite.com – But only about 16% of ADUs are being used as short-term rentals.

Cities with the fastest-growing home prices in Denver metro area

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	Chris Gibson & Brandon Gibson

kdvr.com – Supply and demand drive the real estate market, affecting everything from building and lot values to availability for buyers and sellers.

A Sneak Peek at MAD Architects’ Adventurous One River North Project

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	Chris Gibson & Brandon Gibson

5280.com – Biophilic design inspired by Colorado’s great outdoors is at the heart of this RiNo building that is certain to become a new Mile High City landmark. Biophilic design inspired by Colorado’s great out…

Why Inflation Shouldn’t Stop You from Buying a Home in 2022

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	Chris Gibson & Brandon Gibson

keepingcurrentmatters.com – If you’re following along with the news today, you’re probably hearing a lot about record-breaking home prices, rising consumer costs, supply chain constraints, and more.

What the Pandemic’s ‘Open Streets’ Really Revealed

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	Chris Gibson & Brandon Gibson

bloomberg.com – Covid-inspired traffic restrictions and street changes have swept scores of U.S. cities since the start of the pandemic. But not all communities have welcomed them.

Lumber Prices Add More Than $18,600 to Price of New Home

	Shared by
	Chris Gibson & Brandon Gibson

magazine.realtor – Lumber prices are soaring once again: Following a dip last spring and summer, they have nearly tripled over the past four months.

Homeownership Still More Affordable Than Renting

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	Chris Gibson & Brandon Gibson

magazine.realtor – Home prices may be growing faster than rents in most places across the country, but homeownership still beats renting financially, shows a new study from ATTOM Data Solutions, a real estate data firm.

Colorado’s taxable home values could skyrocket in 2023

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	Chris Gibson & Brandon Gibson

coloradosun.com – A state economic forecast predicts a statewide increase of up to 20%, but what that means for homeowners is complicated

Getting insurance in Colorado expected to cost more after costly wildfire damage

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	Chris Gibson & Brandon Gibson

koaa.com – As costly damage estimates continue to add up for those impacted by the Marshall Fire insurance experts say we should be paying attention because these costs will impact consumers across the state. E…

The Marshall fire burned whole subdivisions and shopping centers. Are the ashes an air quality threat?

	Shared by
	Chris Gibson & Brandon Gibson

cpr.org – Residents have noticed strange smells in the burn area. Scientists are rushing to find out if they’re dangerous.

December 2021 Metro Denver Market Stats – 30 Day Snapshot

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	Chris Gibson & Brandon Gibson

gibsonhomeloans.com – December 2021 Metro Denver Market Stats 30 Day Snapshot – Check out the latest real estate market statistics and market reports for metro Denver.

Denver housing market: New year, more inventory?

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	Chris Gibson & Brandon Gibson

denvergazette.com – Metro Denver homebuyers who thought it was tough to find for-sale homes in December will be sorely disappointed if they thought a new year would bring more inventory.

Metro Denver housing market ended 2021 with almost nothing to give buyers

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	Chris Gibson & Brandon Gibson

denverpost.com – As the clock ticked away on low mortgage rates, desperate homebuyers in metro Denver just couldn’t find enough properties to purchase as 2021 came to a close — and the extreme seller’s market could …

New Year’s Resolutions for Home – Realty Times

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	Chris Gibson & Brandon Gibson

realtytimes.com – Making a New Year’s resolution is nothing new. Most of us have done it at one time or another. Making good on that resolution is another thing. “The s…

Homeowners Experience Sticker Shock on Insurance Premiums

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	Chris Gibson & Brandon Gibson

magazine.realtor – Homeowners who are renewing their home insurance policies are finding their rates are drastically climbing. Insurance companies point to rising material costs and climate change

Zillow predicts metro Denver could see another year of home price gains above 15%

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	Chris Gibson & Brandon Gibson

denverpost.com – Colorado housing markets defied the odds in 2021, with price increases breaking all kinds of records. As to what happens in 2022, forecasts are all over the place, from the good times rolling into an…

Denver metro realtors predict strong housing market to continue in 2022

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	Chris Gibson & Brandon Gibson

denverpost.com – Real estate experts predict Metro Denver’s real estate will stay hot in 2022, with record demand for homes pushing double-digit appreciation.

Sales Up as Buyers Rush to Lock in Mortgage Rates

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	Chris Gibson & Brandon Gibson

magazine.realtor – Home buyers may have felt more determined in November to purchase before 2021 comes to an end and mortgage rates and borrowing costs increase, as largely is forecasted to happen.

Stories • Homes & Trends • Colorado Mortgages • Super Local • For Realtors • Leisure

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Tags colorado home loans, Colorado Mortgage Rates, Colorado Real Estate News, colorado refinance rates, denver home loans, Denver Realtor, home loan originator, mortgage rate trend, mortgages, Real Estate, united wholesale mortgage

Blog Today's Interest Rate

Today's Interest Rate January 18

Post author By admin
Post date January 19, 2022

Here is today’s interest rate quote by Gibson Home Loans:

Today’s Interest Rate

3.375% APR
3.272% before costs through United Wholesale Mortgage. Conventional Elite 30 day lock. January 18, 2022 at 5:03 PM

Terms

30 YR REFINANCE OWNER OCCUPIED SINGLE FAMILY
Value: $534K
Loan (No Cash-Out): $400K
Credit Score: 740+
Approximate Loan Cost: $7,130

What Will Your Rate Be?

Find out what your rate will be: www.GibsonRateCheck.com

About Us

Disclosure

#Colorado #HomeLoans #Mortgages #RealEstate #Denver #ColoradoLove #WereAllInThisTogether

Tags colorado home loans, Colorado Mortgage Rates, colorado refinance rates, denver home loans, home loan originator, mortgage rate trend, mortgages, united wholesale mortgage

Blog Today's Interest Rate

Today's Interest Rate January 17

Post author By admin
Post date January 17, 2022

Here is today’s interest rate quote by Gibson Home Loans:

Today’s Interest Rate

3.205% APR
3.103% before costs through United Wholesale Mortgage. Conventional Elite 30 day lock. January 17, 2022 at 4:31 PM

Terms

30 YR REFINANCE OWNER OCCUPIED SINGLE FAMILY
Value: $534K
Loan (No Cash-Out): $400K
Credit Score: 740+
Approximate Loan Cost: $7,130

What Will Your Rate Be?

Find out what your rate will be: www.GibsonRateCheck.com

About Us

Disclosure

#Colorado #HomeLoans #Mortgages #RealEstate #Denver #ColoradoLove #WereAllInThisTogether

Tags colorado home loans, Colorado Mortgage Rates, colorado refinance rates, denver home loans, home loan originator, mortgage rate trend, mortgages, united wholesale mortgage