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e economy, jobs, and migration patterns into and out of the state are having an impact on the housing market.
Colorado’s economy is sending positive and not-sopositive health signals at the 2023 halfway point, according to the midyear update to the Colorado Business Economic Outlook (CBEO) report produced by the CU-Boulder Leeds Business School. While the state’s gross domestic product (GDP) and growth and labor force participation continue to outperform, growth for population and income growth are average, and job and home prices are lagging.
Colorado’s labor force once again is setting positive records. Yearover-year labor force growth ranked the state 14th in June nationally. Colorado’s labor force participation rate — the proportion of the population either working or actively looking for work — ranked fourth nationally. Colorado ranked seventh for average annual pay and eighth for per capita personal income. e unemployment rate stood at 2.8% — falling below 3% for the 15th consecutive month and ranking 20th in the nation.
e state’s year-over-year employment growth did not do as well, ranking 44th in June, recording 2.9 million jobs — 1.5% above June 2022. Employment increased in leisure and hospitality, professional and business services, and health services sector but decreased in nancial services, construction, information, trade, transportation and the utilities sector.
e metropolitan statistical areas (MSA) with the highest year-over-year employment growth are Colorado Springs at 2.2%, followed by Fort Collins-Loveland at 2%, Greeley at 1.6%, Boulder at 1.2%, Grand Junction at 0.6% and Denver-Aurora-Lakewood 0.3, according to the CBEO.
Meanwhile, the nationwide economy is signaling resilience, achieving full employment with an unemployment rate of 3.5% in July. “ e national economy is defying expectations in 2023, with GDP, employment, and income outperforming growth expectations set last fall, in ation showing improvement, and con dence on the rise,” writes Richard Wobbekind, CBEO editor and associate dean for business and government relations at Leeds CU-Boulder Leeds Business School and Business Research Division faculty director.
e CBEO revised projected job growth for the year downward by 4.9% to 54,400 from an expected increase of 57,100 at the beginning of 2023.
GDP increased at an annual, in ation-adjusted rate of 1.9% in the rst quarter of 2023. e largest gains were reported for agriculture, forestry, shing and hunting, arts, entertainment and recreation, and management of companies and enterprises sectors. e most signi cant losses occurred in the construction sector and nance and insurance.
In the quarterly survey conducted by the Business Research Division, the Leeds Business Con dence Index (LBCI) showed pessimism among Colorado Business leaders for another quarter ahead of Q3 2023 due to concerns about in ation, interest rates, worker shortages, and general concerns about a recession.
Leaders remained bearish on the national economy, state economy, industry sales, industry pro ts, hiring, and capital expenditures. Business leaders’ outlook remained pessimistic to Q4 2023, according to the LBCI.
e business leaders expressed concerns about worker shortages, which can be exacerbated by population growth, which has increased or remained steady. More than half of Colorado counties are in natural population increase, meaning local births exceed deaths. Incoming migration remained steady to date in 2023, though there has been greater out-migration among older adults — possibly driven by following children and grandchildren to new locations, cashing out equity from high-valued homes, and retiring to other places. Migration into the state is forecasted to grow due to increasing job openings but could be impacted by competition from other states.
Read the full report at colorado.edu/business/brd/ news/2023/08/16/coloradobusiness-review-issue-2-2023
Tom Kalinski is the broker/owner of RE/MAX of Boulder. He has a 40-year background in commercial and residential real estate. For questions, email Tom at tomkalinski33@gmail.com, call 303.441.5620 or visit boulderco.com.
BOULDER – WK Real Estate has announced the addition of their newest Broker Associate, Mary Kathryn Wood to their Boulder o ce.
Owning real estate in Boulder o ers an exciting opportunity to build wealth in an economically thriving location. However, this process can feel overwhelming and nearly impossible at times. Working with an agent who understands the niche markets in Boulder County, who has deep connections to the community, and a skill set that can negotiate, problem-solve, and work exceptionally hard to help a client achieve real estate goals is paramount. When I moved to Boulder in 2001, sight unseen, I relied on my real estate agent’s guidance and expertise to select my home. I am excited to serve in this role for my clients.
Prior to my real estate career, I held professional roles in education and wellness coaching. Project management, active listening and working with clients to help them reach goals are simply what I love to do.
Mary Kathryn attended the University of North Carolina-Chapel Hill with a major in History and served as a campus tour guide for two years. She counts this as her rst real estate experience. She interned with local lm companies as well as with National Geographic, was a volunteer at a local church on a small island in Alaska for one year, and was an Outward Bound and National Outdoor Leadership School graduate. She worked for Moondance Adventures in its nascent years as a trip leader and sta trainer.
In addition to her History degree,
she received a Master’s in Education from CU Boulder where she also earned a teaching license. She has taught in BVSD schools for 15 years where her three children are currently enrolled. Mary Kathryn serves on the Board of Directors for Summit Middle School as its secretary and Chair of the School Accountability Committee. In addition, she served as a Founding Board member of Global Works Community Fund (now Wonderfolk). She is active in her local church and has served in various leadership roles in the schools where she taught.
Her husband, Henry, is a small business owner in Boulder, and together, with their three teenagers, they try to soak in all that Colorado and the West o ers. Her favorite things to do include organizing hut trips for friends, tubing Boulder Creek, hosting tailgates during football season, and attempting successful backpacking trips with her children.
Mary Kathryn can be reached at 303.859.2766 and via email at mkwood@wkre.com.
4639 Cloud Court Boulder
Open Sat. & Sun. 11am-1pm $1,175,000
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Jim Green: 303-775-2553
1311 S Idalia Court Superior Open Sat. 11am-1pm $739,900 4 bed, 4 bath home on a desirable, secluded street. w w w.1311.wkre.com
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- Pick a color to serve as the foundation for your color story.
- Repeat the color in various ways throughout the space.
- Create interesting opportunities to repeat color such as through artwork, upholstery, accessories and accents.
Looking for more in-depth tips as you curate your cohesion? Here are Design Recipes’ do’s and don’ts of color blocking.
Do’s
• Do begin by choosing the colors with which to create your color palette. Typically selecting two to three colors is best.
Don’ts
• Don’t choose colors that are all the same shade. It is acceptable to choose tints, tones and shades of a color.
• Don’t forget to incorporate negative color space in a room. Leaving “open” color opportunities will help colors that are present to shine.
• Don’t avoid colors such as black and white. These colors not only help create an elegant sense of contrast, but are also great foundation colors for modern design.
By Cathy Hobbs Tribune News ServiceA designer technique called color blocking, or color mapping, is a trick of the trade that, if used
effectively, can help create a space that is colorful and cohesive without it becoming overwhelming. When using this technique to elevate your space, keep these three basic steps in mind:
• Do incorporate other elements in the space that include your color palette, such as artwork, area rugs, accessories, accents and even books.
• Do repeat and map your colors, sprinkling them throughout a room.
Cathy Hobbs is an Emmy Awardwinning television host and a nationally known interior design home staging expert and shortterm rental/vacation home designer with offices in New York City and The Hudson Valley. Contact her at info@cathyhobbs. com or visit her website at cathyhobbs.com.
and an ottoman to tabletop accents serves as an example of color blocking. (Photo: Handout/TNS)
There are many roles involved in the lending process, and you might work with different people from the time you get preapproved for a mortgage to closing. As a result, understanding who does what and when can make your life easier. Here, we explore what a mortgage banker does in the process of getting a home loan while differentiating their role from other mortgage pros (namely, mortgage brokers).
What is a mortgage banker?
A mortgage banker is a person or entity that originates, or initiates, home loans, and typically provides the funding for them. The home loan banker could be an individual or a large company, but in either case, they function in the same capacity. To give you a relatively simple mortgage banker definition, this is the entity that approves you for a loan and cuts a check to the home seller so you can get your keys to the house.
Many mortgage bankers generate revenue by charging borrowers an origination fee.
Once a mortgage banker originates a loan, the banker can keep the loan in its portfolio (in other words, on its books) and service it. Alternatively, they can sell it on the secondary market, sell the servicing rights to another party or a combination of the two.
What does a mortgage banker do?
The most important thing a mortgage banker does is determine whether to approve a borrower for a loan, which is usually accomplished through the banker’ underwriting department. A mortgage banker’ services might include:
• Originating loans: Mortgage bankers have a variety of loans to offer, but some can specialize in particular types of loans, such as jumbo loans, VA loans or unusual financing options.
• Servicing loans: Once the loan closes, your mortgage
banker might also service your loan, meaning they manage the repayment process and assist you if you need help with repayment.
• Selling loans: Mortgage bankers can also sell your mortgage or the rights to service your mortgage on the secondary market. Mortgage bankers do this to free up more capital to make more loans to more borrowers.
banker is tied to one financial institution, while a mortgage broker works independently of lenders. As a result, mortgage brokers can help you compare options from various lending institutions.
The broker helps you shop around for a good deal from multiple lenders or bankers, generally at no cost to you as the borrower. But their role maxes out at a certain point. Unlike bankers, brokers don’t fund loans – they simply guide you through the process of finding the best loan for your situation.
working straight with the mortgage banker from the get-go.
The difference between a mortgage banker versus a loan officer might not be as obvious. All mortgage bankers are loan officers, but not all loan officers are mortgage bankers. A loan officer typically works for a single financial institution and can only offer products and rates set by that institution.
banker
The mortgage banker may not be the only home loan pro you work with to get financing for your house. You might also work with a mortgage broker or a loan officer, both of which have certain distinctions from a mortgage banker.
Mortgage bankers are often confused with mortgage brokers, but they’re very different. A mortgage
“A banker uses their own money for funding while a broker only facilitates between a borrower and a lender,” says Paul Sundin, CPA, CEO at Emparion, based in Chandler, Arizona.
Although the funding source might not seem too important to you as the borrower, it is useful to know as you navigate the homebuying process. Ultimately, the mortgage banker, not a broker, will be the one to make the decision about your loan. In fact, some people who get a mortgage never work with a broker at all, instead
Mortgage bankers, on the other hand, might have more flexibility. Mortgage bankers may be able to get multiple offers from institutions they work with, and they can also originate all types of loans, giving you flexibility in the type of loan you can apply for.
To find the right mortgage professional for you, compare offers from multiple sources. That can include mortgage bankers from a few different lenders and a mortgage
CONTINUED - See Page 16
Nestled in a charming neighborhood, this cozy 6-bedroom, 7-bathroom home is the perfect blend of comfort and convenience. Enjoy spacious living areas, a beautifully landscaped yard, and a peaceful atmosphere It ’s not just a house; it ’s your future home!
Experience low-maintenance living in this exquisite 3-bedroom, 3-bathroom gem located in the desirable McKay Landing neighborhood With its modern design, gourmet kitchen, and a backyard oasis, this house is an entertainer ’s dream come true
Have you ever considered that when we are in our 20s and 30s, we tend to have a lot of free time on our hands and our health is typically the best it ever will be; yet we don’t always have the money to do the things we want. Then when we are in our 40s and 50s, we are still generally very healthy, and we have started to save some extra money; yet we do not seem to have any free time due to work and family obligations. Later in life as we get into our 60s and 70s, we tend to have more spare time (especially when we stop working full time), our health generally speaking is still okay for many people, and we tend to have money to do the things we want to do…so why do we not spend our money during this time in our lives? Finally, if we are lucky enough to live into our 80s and
90s (or beyond), we tend to have a surplus of free time, but generally, we don’t have the necessary health to do the things we want, and therefore any extra money we have is somewhat useless.
So, what does all this really mean as it relates to you today? First, identify what stage of life you are in today and assess your balance between your spare time, your money, and your health. Next, assess if you are still in a savings
mode in life which means you are still working to accumulate wealth, or if you have transitioned to a spending mode where you are no longer saving money for retirement (generally when you stop working full time) and are spending down your savings. Lastly, create a list of items that you want to do or achieve at different stages in your life. Some people refer to this as a “bucket list” but I suggest you create different lists for different stages in your life.
Let’s face it, if you want to go heli-skiing or sky diving for example, you might not be physically able to do that later in life when your health is not as good. On the other hand, if you want to take a trip to Europe for a month, you might not be able to do that while you are working full-time. So be thoughtful around these different lists and assess what stage of your life you want to be in to achieve these goals so you can get the most enjoyment out of each of these goals or experiences.
Overall, I believe it is extremely important to create a financial plan where you can balance your time, money, and wealth at different stages of your life. Again, your financial goals will change at different stages of your life, therefore your plan
CONTINUED - See Page 16
“Where is the sun?” is a question many homebuyers ask when buying a home. The immediate answer is “Look up and see!” However, it is a bit more complicated than that.
It’s essential to know where the sun is relative to the home you are thinking about buying. Where and how much natural sunlight illuminates the home throughout the year affects a variety of factors. Those factors include how much snow you will shovel off your driveway, solar access for your solar system, solar access easements, electricity and utility consumption levels, the amount of natural light in your rooms, types of lighting and window treatments, outdoor living spaces, landscaping, and more.
The days are getting shorter and fall colors will be here soon. On the Front Range, the sun dips behind the mountains early on a winter day. The closer the home is to the mountains, the more likely it is to be sitting in what we call the “early sunset zone”.
Luckily, nowadays, you can do more than just “look up” at the sky to determine all you need to know about the sun’s orientation relative to your home. Sun Seeker is an app you can add to your smartphone or tablet. Here’s the app’s description:
“Sun Seeker is a comprehensive solar tracking & compass app. It shows the sun’s hourly direction intervals, its equinox, winter & summer solstice paths, sunrise and sunset times, twilight times, sun shadow, the golden hour & more. The app allows you to add sun-event notifications & has a widget showing the day’s solar data & position on an arc. The surveyor view shows the solar direction for each sunlight hour. Sun Seeker has both a flat compass view & a 3D Augmented Reality (AR) view to show the solar position & path.”
This app has many uses for real estate, including home buying, home selling, and homebuilding. I think the most obvious is
determining how much sunlight will shine into your home on the shortest winter day. It can help you determine at what time a west-facing patio will cool down in the heat of summer or figure out the best spot to plant a shade tree to protect the patio. Obviously, the snow on southfacing driveways melts the fastest, but you can figure out how much sun the home will receive from other exposures. For example, the app can help you determine the best spot to locate your garden.
If you are building a home, the app can help you decide where to place windows, determine roof angles, solar system placement, porch locations, and much more.
When selling your home and preparing for photographs and video, the app will help you determine the best sunlight times and direction.
How does it do all this?
The Sun Seeker app describes how it works:
“Main features include:
• Sun Seeker is a sun locator that uses GPS, magnetometer & gyroscope to find the correct solar position & sun path for your current location.
• A flat compass view shows the current solar position, diurnal
solar angle & elevation (separated into day & night segments), sun shadow length ratio, and atmospheric path thickness.
• 3D augmented reality (AR) camera overlay view shows the sun’s current position, and its path with hour points marked. Check golden hour using this feature!
• Camera view has an optional pointer to guide you towards the current location of the sun & help you with sun direction.
• The map view shows solar direction arrows, sun path & elevations for each hour of the day.
• Choose any date to view the sun’s position & path on that day. You can view sunset & sunrise times for each day as well.
• Choose any location on earth (includes 40,000+ cities or custom locations available offline, as well as a comprehensive online map search capability)
• Get additional details including sunrise, sunset & culmination times, maximum elevation, and civil, nautical & astronomical twilight times of the sun.
• Optional device notifications for all manner of sun-related periods & events, such as golden hour or blue hour, various twilight & shadow periods, or sun at a given compass heading or above a given elevation.
• This sunrise calendar app allows the user to include equinox, summer & winter solstice paths on both flat compass view & camera view.”
Here’s a YouTube video about Sun Seeker app: https://bit.ly/2Rf0CkO Your REALTOR® and architect can help you determine everything you need to know about sunlight and your home.
Duane graduated with a business degree and a major in real estate from the University of Colorado in 1978. He has been a Realtor® in Boulder since that time. He joined RE/MAX of Boulder in 1982 and has facilitated over 2,500 transactions over his career, the vast majority from repeat and referred clients. Living the life of a Realtor and being immersed in real estate led to the inception of his book, Realtor for Life. For questions, e-mail duaneduggan@ boulderco.com, call 303.441.5611 or visit boulderco.com.
Our top team is ready to help you navigate the process! Contact us today:
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1435 Yarmouth Avenue
106
$500,000
Sun., 2 p.m.-4 p.m.
Susan Baca
RE/MAX of Boulder (720) 434-9142
1149 Monroe Drive B
$525,000
Sun., 1 p.m.-3 p.m.
Rich Gribbon
RE/MAX of Boulder (303) 931-6979
2650 Fremont St
$695,000
Sun., 1 p.m.-3 p.m.
Marybeth Emerson
Slifer Smith & Frampton (720) 394-1997
1534 Bradley Drive
$725,000
Sun., 1 p.m.-3 p.m.
Kathleen Winegardner
Kearney Realty (303) 817-0611
4585 13th St 1-D
$849,900
Sat., 11 a.m.-1 p.m.
Mary Romano
RE/MAX Alliance (303) 588-8433
4639 Cloud Court
$1,175,000
Sat., & Sun., 11 a.m.-1 p.m.
Jenny Oliveira Getting
WK Real Estate (970) 534-1188
1145 Edinboro Drive
$1,295,000
Sat., & Sun., 2 p.m.-4 p.m.
Brigitte Furst
8Z Real Estate (720) 244-4411
4867 Dakota Blvd.
$1,947,700
Sun., 1 p.m.-3 p.m.
Linda Nehls
RE/MAX of Boulder (303) 668-7670
2810 Regis Drive
$2,200,000
Sat., & Sun., 10 a.m.-2 p.m.
Kayla Schmitz
Kentwood Real Estate (303) 249-4118
952 Utica Circle
$2,265,000
Friday 4 p.m.-6 p.m.;
Sun., 11 a.m.-1 p.m.
Jenny Oliveira Getting
WK Real Estate (970) 534-1188
860 Aurora Ave
$2,549,000
Sat., 10:30 a.m.-12:30 p.m.
Jan Marose
RE/MAX Alliance
(303) 817-9675
3767 Orange Lane
$3,500,000
Sun., 1 p.m.-3 p.m.
Susan Baca
RE/MAX of Boulder
(720) 434-9142
BROOMFIELD
4939 Pasadena Way
$627,000
Sun., 2 p.m.-4 p.m.
Denise Patryas
RE/MAX of Boulder
(303) 818-5354
980 Sage Street
$850,000
Sun., 2 p.m.-4 p.m.
Kimberly Fels
RE/MAX of Boulder
(303) 888-5655
1272 Clubhouse Dr
$920,000
Sat., 10 a.m.-12:30 p.m.
Mia Ness
Colorado Landmark
(720) 273-7567
CENTENNIAL
6684 S. Lee Court
$697,000
Sun., 2:30 p.m.-4:30 p.m.
Keith McQuillen
WK Real Estate
(303) 589-1432
7861 S. Ulster Street
$699,900
Sat., 11 a.m.-1 p.m.
Mike Bader
RE/MAX of Boulder
(720) 273-8335
ERIE
630 Benton Lane
$900,000
Sun., 12 p.m.-2 p.m.
Jim Thomas
RE/MAX Alliance
(720) 317-9621
FORT COLLINS
1515 Wasp Court
$625,000
Sun., 1 p.m.-4 p.m.
Terri Johnson
RE/MAX of Boulder
(303) 589-8180
GREELEY
4672 W 20th St Rd #2011
$365,000
Sat., 10 a.m.-2 p.m.
Kit Magley
RE/MAX Alliance - Fort Collins (303) 775-5177
4672 W 20th St Rd 202011
$365,000
Sat., 10 a.m.-12 p.m.
Kit Magley
RE/MAX Alliance (303) 775-5177
LAFAYETTE
402 W Baseline Rd Unit E
$619,000
Sat., 11 a.m.-1 p.m.
Mary Romano
RE/MAX Alliance
(303) 588-8433
LAFAYETTE
186 High Country Drive
$798,000
Sun., 1:30 p.m.-3 p.m.
Andrew Muller
RE/MAX of Boulder (303) 434-6633
LONGMONT
1601 Great Western Drive, D-3
$375,000
Sun., 3 p.m.-5 p.m.
Julie Ann Markiewicz
RE/MAX Alliance (303) 995-3914
2300 Lincoln Street
$529,500
Sat., 11 a.m.-1 p.m.; Sun., 12 a.m.-2 p.m.
Matthew Jensen
WK Real Estate (303) 819-6494
1379 Charles Drive , F8
$585,000
Sat., 11 a.m.-1 p.m.; Sun., 1 a.m.-3 p.m.
David Scott
Slifer Smith & Frampton (303) 588-8358
715 Summer Hawk Dr
$719,900
Sat., 1 p.m.-3 p.m.
Lisa Spears
RE/MAX Town & Country (970) 443-5525
315 Western Sky Circle
$750,000
Sun., 1 p.m.-3 p.m.
Mary Kathryn Wood
WK Real Estate (720) 859-2766
2105 Springs Pl
$799,900
Sun., 12 p.m.-2 p.m.
Mary Romano
RE/MAX Alliance (303) 588-8433
1012 Katy Lane
$999,000
Sun., 1 p.m.-4 p.m.
Will Calkins
RE/MAX of Boulder (303) 818-8599
13053 E. County Line Road
$1,295,000
Sat., 1 p.m.-3 p.m.
Will Schell
WK Real Estate (303) 910-4248
LOVELAND
1028 E 16th St
$419,900
Sun., 10 a.m.-2 p.m.
Lisa Spears
RE/MAX Town & Country (970) 443-5525
LYONS
154 Stone Canyon Drive
$1,195,000
Sun., 2 p.m.-4 p.m.
Karla Bielanski
RE/MAX of Boulder (303) 931-5774
NEDERLAND
131 Ponderosa Wy
$600,000
Sun., 11 a.m.-1 p.m.
Josh Harrod
RE/MAX Alliance (303) 517-1763
SUPERIOR
1311 S. Idalia Court
$739,900
Sat., 11 a.m.-1 p.m.
Mike Moger
WK Real Estate (303) 859-4467
WINDSOR
2164 Montauk Ln #4
$459,000
Sun., 12 p.m.-2 p.m.
Julie Ann Markiewicz
RE/MAX Alliance (303) 995-3914
To view all open houses or to list your home listing, visit openhomes.athomecolorado.com
Paul F. P. Pogue, Ask Angi (TNS)
Roofing jobs are some of the most important you can do on your home. The roof plays a vital role both in protecting your home from the elements and presenting a great curb appeal view. Plus, roofing problems tend to get more expensive: The average roof replacement job is $10,000.
Fortunately, roof repairs tend to cost quite a bit less. Consider a roofing inspection as summer winds down and we move into the colder, wetter seasons. This service costs about $225, but it can catch and resolve minor problems before they become bigger and costlier ones.
When hiring, ask your roofing service these questions to ensure the best fit for your home.
Do you have a local physical office?
Roofing is one of those services that often attracts scammers. A quality roofer will have a local physical address that’s been established for a while.
Do you use subcontractors?
If so, make sure to ask the subcontractors the same questions, especially regarding licensing and insurance.
Are you going to remove my damaged or old roof when you replace it?
When installers place new roofing, they should remove the previous roofing first. When you simply install new roofing over old, you can miss faulty or sagging spots. This means you might have to pay for repairs much sooner than necessary.
How much access will you need to my yard?
This plays a vital role in labor costs. Material storing, staging and loading is a big part of the job, and the farther they have to haul materials from truck to house, the longer it will take.
How will you protect my home?
Roofing work generates a lot of
waste and requires storing many heavy building materials. Ask your pro how they will ensure their hardware or lumber won’t damage your yard. Similarly, ask them what they plan to do when bad weather hits. Tarps, plastic sheeting and other waterproofing methods should be ready to keep your home safe.
What is your process if an unexpected problem develops, something is damaged or someone is injured?
A roofer should be able to give a specific and well-thought-out response to this open-ended question. Damage, injuries and surprise factors are common risks in roofing.
Are you familiar with my kind of roof?
Different roofing materials, types and even pitches pose different challenges. Make sure your roofer is experienced with your type of roof.
Are you licensed, bonded and insured?
This is a good question for all contractors, but a critical one to ask roofers. Roofing work poses a possibility of significant damage to your house and an elevated risk of worker injury. Make sure they’re covered.
What kind of warranty do you offer?
Get the warranty in writing for both materials and workmanship. Roofing material warranties often last many years, so be sure you know the details.
Tweet your home care questions with #AskingAngi and we’ll try to answer them in a future column. Visit at angi.com
Meet Didrik Stefansson: A real estate broker focused on Boulder and surrounding Colorado communities. Since 2014, he has been an unwavering force in the real estate industry, a journey that began as a Real Estate Broker in Iceland, focusing his expertise on the dynamic Reykjavík Metro Area.
More than a mere profession, being a REALTOR is an intrinsic part of Didrik’s identity a lifestyle centered on diligently serving his clients. Hailing from Iceland, he transplanted his passion and expertise to the picturesque landscapes of Colorado, alongside his cherished wife Amanda and their two children. This move was spurred not only by professional aspirations but also a desire to be closer to their extended family and the captivating beauty of Boulder
When not immersed in the world of real estate, Didrik thrives on enriching his life outside of work. You might catch him cycling through scenic routes, hiking amidst the breathtaking mountains, or carving his way down powdery slopes on a snowboard.
Choose Didrik as your real estate broker and you’ll gain not only a seasoned professional with a global perspective but also a genuine partner who approaches every interaction with a blend of expertise, dedication, and heart. Your real estate journey, whether buying or selling, deserves nothing less than the Didrik difference
broker, who can help you cast your net even wider to find the best deal. You may be tempted to choose the first professional you talked to, but that could end up costing you thousands of dollars.
Compare several offers within a span of a few days so you can get an accurate snapshot of current rates. Mortgage rates change frequently, so it’ important to compare offers within a short time.
How to find a mortgage banker
Are you looking for a mortgage to buy a home, or do you want to refinance your loan to a new one? Here are some quick tips on getting the best mortgage and finding the right mortgage lender:
“Boost your credit: A good credit score can help you secure the best loan rate and terms from mortgage bankers. As you start to consider different lenders, take action to improve your credit, if needed.
“Set your own budget: Although a bank might approve you for a larger loan, it can be wise to only go with what you can reasonably afford. You can use Bankrate’ home affordability calculator to find out where you’d be most comfortable based on your budget.
“Compare rates from multiple lenders: Look for the lender that offers you the best rate and good terms to match. Get loan estimates
from multiple lenders–including banks–so you can compare offers and find the right mortgage for you. While a mortgage banker at each institution can help, you can also compare mortgage rates easily through Bankrate.
Visit Bankrate online at bankrate.com.
must change as you transition to different stages in your life. I call this “Living for Today and Planning for Tomorrow”. This is why it is extremely important to work with a professional advisor who will help you come up with a holistic plan to achieve your goals at each stage of your life. I am not a financial advisor and do not pretend to be a financial advisor therefore cannot give you financial advice. However, I will tell you that more than 50%
of US households’ primary asset is their home. Therefore, I believe it is extremely important for any fiduciary (like a Certified Financial Planner) to evaluate all your assets (including your home equity) when they are working with you to create a financial plan. One of the most efficient assets in retirement is your home equity because of the simple fact that when you take out home equity using a mortgage, you are not required to pay income taxes on
the money (you are still required to pay property taxes of course). One of the best strategies to do this is to use a Home Equity Conversion Mortgage (HECM) because you are not required to pay it back monthly and it provides you improved cash flow and can help you to save in income taxes (this is not tax advice, please consult a tax advisor). In conclusion, I want you to enjoy your life, spend your money safely and wisely, and create lifelong memories
while still maintaining a plan for your future needs and goals as well.
Gabe Bodner is a retirement mortgage planner and licensed mortgage originator in Colorado. Gabe utilizes the latest research from the top researchers to assist his clients to live for today and plan for tomorrow. To reach Gabe, call 720.600.4870, e-mail gabe@bodnerteam.com or visit reversemortgagesco.com.
This stunning property has undergone a complete renovation, resulting in a beautifully flipped modern farmhouse with luxurious design elements. Step into the expansive backyard and be greeted by a sprawling oasis that ’s perfect for both relaxation and entertainment.
Inside, the heart of the home boasts an incredible kitchen that is every chef ’s delight The thoughtful design and high- end appliances ensure that cooking and entertaining will be a breeze
The finished basement , complete with a built-in bar, adds another layer of entertainment and leisure to this exceptional home From the carefully chosen fixtures to the meticulously designed spaces, every corner of this home exudes sophistication and comfort.
Don’t miss out on this one - of- a-kind updated home with mountain views, located in the desirable Table Mesa neighborhood.
By Kristen Anderson Colorado State University Extension
Out of sight, out of mind — you’ve heard the expression. That might work when dealing with dust bunnies under the sofa, but it can be disastrous to our landscape’s health when we’re talking about emerald ash borer.
Extension offices throughout the region regularly answer questions from the public about ailing ash trees. There are plenty of options for answers — not everything affecting ash trees is EAB. Climate, poor irrigation, lilac ash borers, anthracnose, leaf curl aphids and other issues also affect true ash trees (genus Fraxinus) with varying degrees of destructiveness. Contacting your local Extension office will help you correctly identify and address issues with your ash and other trees.
It’s become clear that a surprising number of homeowners is under the impression that EAB is a thing of the past.
Nope.
Colorado’s Front Range has done an exemplary job of managing the infestation of EAB, the invasive species confirmed here in 2013. Cooperative partnerships between
government agencies, private companies and homeowners have made the difference!
Proactively treating ash trees, improved pesticides and application methods, removing smaller or less desirable ash and exploring using biocontrol methods have slowed the inevitable spread of EAB. This has given us all time to prepare and make the best plan for our ash trees. The population of emerald ash borer may fluctuate, but it’s here to stay for the foreseeable future.
Are you watching your ash?
This is a good time of year to observe your untreated ash trees. While they’re leafed out, discrepancies in leaf size or color and dead branches are more apparent. You may notice leaves that are smaller and lighter green than normal, and see early fall color or epicormic shoots. Barring irrigation issues, leaves like these can be indicators of EAB damage. Dead branches and heavy woodpecker activity are also clues.
Don’t be fooled by epicormic shoot growth on your failing ash tree. Sometimes called suckers, water sprouts or witch’s broom, the tiny branchlets and leaves of epicormic shoots may look like your tree’s on the road back to health — but it’s more of a last gasp. Stressed
trees put out the shoots to increase photosynthesis. Stressed trees are also very appealing to adult EABs looking for places to lay their eggs — one more reason to work toward a healthy and well-maintained tree.
How do you know your ash tree should be replaced? A licensed arborist can assess the health of your tree. Untreated ash trees with up to one-third dieback have been known to recover when properly treated for EAB, but it’s best not to wait that long — if you want to keep it. Ash trees must be treated for the life of the tree.
If you choose to remove your tree, don’t wait. Failing ash trees become brittle quickly, making removal more dangerous and more expensive. Many Extension offices have a free EAB Decision Guide available.
When replacing ash trees, think
about diversifying our urban forests. A larger palette of host trees can lessen the damage of the next round of disease or invasive species. Consulting the Front Range Tree Recommendation List (available free at extension.colostate.edu) will help you find the right trees for the right place — the first step to a healthy tree.
Learn more about EAB with CSU Extension Fact sheet 5.626 at extension.colostate.edu and csfs. colostate.edu/forest-management/ emerald-ash-borer.
For more information on this and other topics, visit extension. colostate.edu or contact your local CSU Extension Office.
To view a more cities and a more complete list of new home communities and builders across the Colorado Front Range, view our interactive map online at: www AtHomeColorado com/NewHomeMap
ur region is home to more than 700,000 residents and includes some of the most diverse, natural landscapes and sustainable development along the Northern Front Range of Colorado. It’s no wonder why those who live here stay and why our the area is coveted as a place to relocate to Here we highlight a selection of the area ’ s new home communities and which builders are building where.
Farmstead Builder: Sage Homes
Rose Farm Acres
Builder: Richmond American
Heron Lakes –
TPC Colorado Builder: Landmark Homes, Lifestyle
Custom Homes, Toll Brothers
Velo Condos
Builder: Thistle Velo LLC
Baseline Colorado
Builders: Boulder Creek
Neighborhoods, Meritage Homes, Thrive Home Builders
Vive on Via Varra
Builder: Meritage Homes
ERIE
Coal Creek Commons
Builder: Century Communities
Colliers Hill
Builders: Boulder Creek
Neighborhoods, KB Home, Richmond American
Compass Builder: Lennar
Erie Highlands Builder: Oakwood Homes
Erie Village Builder: Porchfront Homes
Flatiron Meadows Builder: KB Home, Taylor Morrison, Toll Brothers
Morgan Hill Builder: Lennar
Rex Ranch Builder: Taylor Morrison
Westerly Builder: McStain Neighborhoods, SLC Homes, Wonderland Homes
Wild Rose Builder: Lennar
Barefoot Lakes Builder: Brookfield Residential, Creekstone Homes, Lennar, Richmond American Homes
Seasons at Silverstone
Builder: Richmond American Homes
GREELEY
Northridge Trails Townhomes
Builder: Hartford Homes
Promontory Builder: Journey Homes
Park House Thompson River Ranch Builder: Oakwood Homes
The Ridge at Johnstown Builder: Bridgewater Homes
Pintail Commons at Johnstown
Village Builder: Richfield Homes
Mountain View Builder: Baessler Homes
Blue Sage
Builder: Markel Homes
Avalon Meadows
Builder: Von’s Colorado Concepts
Silo Builder: Cornerstone Homes
Silver Creek Builder: Markel Homes
Highlands at Fox Hill
Builders: Dream Finders Homes, Landmark Homes
Terry Street Townhones
Builder: New Leaf Properties
LOUISVILLE
North End Builder: Markel Homes
The Enclave at Dakota Glen Builder: Glen Homes
The Enclave at Mariana Butte
Builder: American Legend Homes
Eagle Brook Meadows Builder: Bridgewater Homes, Challenger Homes
The Lakes at Centerra Builder: Bridgewater Homes, Landmark Homes, KB Home
Kinston at Centerra
Builder: Richmond American Homes, Dream Finders Homes
Brookstone Builder: Windmill Homes
Sunfield Builder: Windmill Homes
Downtown Superior Builder: Thrive Home Builders, Remington Homes
Heights at Downtown Superior Builder: Toll Brothers
Lanterns at Rock Creek Builder: Boulder Creek
Neighborhoods
Montmere at Autrey Shores Builder: Koelbel
Rogers Farm Builder: Boulder Creek
Neighborhoods
TIMNATH
Harmony Builder: Landmark Homes
Serratoga Falls
Builder: American Legend Homes, Richmond American Homes
Timnath Lakes Builder: Toll Brothers
Trailside Builder: Wonderland Homes
Wildwing Patio Homes Builder: Hartford Homes
Country Farms Village Builder: Landmark Homes
Greenspire Builder: Windmill Homes
RainDance Builder: American Legend Homes, Hartford Homes, Wonderland Homes
Seasons at Hunters Crossing Builder: Richmond American Homes
Vernazza Builder: Landmark Homes
Village East Builder: Journey Homes
The following Northern Colorado home sales were supplied by Colorado Weekly Homebuyers List., 303.744.2020. Listed are the buyer, the property and the amount.
• Donna Starkey -- 407 Gila Trail, Saundra Merth, $365,000.
• Daniel Covelli -- 2762 Tallgrass Lane, Kelsey & Sayre Huard, $390,000.
• Jeremy Rudolf -- 845 N 4th St., Laura Lee Dubiel, $425,000.
• Brittany Dolezalherwig -817 Holmes Place, Randall & Alici Lofquist, $443,000.
• David & Kylie Boedker -973 Ranchhand Drive, Paul T Shattuck, $445,000.
• Michelle Sokolowski -- 1180 Navajo Place, Steven &
Keith Knaus, $531,100.
• James & Lisa Lehl -- 304 E Nebraska Ave., Might As Well Trust, $577,000.
• Roosevelt & Catherine Travis -- 104 E Colorado Ave., David A Milano, $625,700.
• Nicholas Hagan -- 114 Rocking Chair Drive, Kristin Nicole Adams, $696,000.
• Jeffery & Diana Schubert -- 2307 N County Road 13, Robin S Bracy, $700,000.
• David & Emily Dietrick -1502 Westport Ave., Melody Homes Inc, $700,100.
• Eddie & Lacey Mayer -2812 Lake Hollow Road, Kelly J Torrez, $750,000.
• Larre Hanford -- 1504 Harebell St., Heron Townhomes Llc, $759,900.
• Paul Yates -- 6158 Willow Lane, Peyman Razifard, $465,000.
• Susan & Sylvain Guegan -1635 Yellow Pine Ave., April Pojman, $745,000.
• William Wenokor -- 3301
Arapahoe Ave. Unit 313, Rajesh Bikram Rc, $849,300.
• Heather Bulk -- 3860 Colorado Ave. Apt A, Eugenia Georges, $860,000.
• Karen Mcnulty -- 905 35th St., Signal Orange Llc, $910,000.
• Aria Remer -- 541 Maxwell Ave., Theodore A Merrin, $1,595,000.
• Bradley Mikula -- 159 Alpine Way, Elk Run Holdings Llc, $2,250,000.
• Alison Gottlieb -- 1324 Cedar Ave., Gregory & Glenn Lohndorf, $2,300,000.
• Cindy Howard -- 7000 Sunshine Canyon Drive, Charles Hester, $2,400,000.
• Sonia Peterson -- 1846 Upland St., Craig & Natalie Staudt, $439,900.
• Laura Burkhart -- 1051 Draw St., Nicholas A Schafer, $455,000.
• Javier Covarrubias -- 1708 Taos St., Etta Isabel Mcsherry, $456,500.
• Kayla & Thomas Ritchie -- 44 Meadowlark Circle, Roland & Shelly Rivera, $460,000.
• Marc & Savanna Strauss -- 805 Ledge St., Melody Homes Inc, $518,500.
• Carlos Rodriguez -- 4694 Calico Circle, Richfield Homes Llc, $574,200.
• Matthew Childress -- 3314 Stirrup Lane, Timothy Bakelmorgan, $395,000.
• Anna Jorgensen -- 4207 Mariposa Lane, Michael & Janet Moskalski, $423,000.
• Joaquin Martos -- 3111 Cody Ave., Opendoor Property Trust I, $478,000.
• Rafael & Myriam Vaquera -- 419 7th St., Karen Montalvo, $250,000.
• Madison & Brandy Mascarenas -- 404 7th St., Colby Ackley, $350,000.
• Makala Gentry -- 6825 4th St. Road Unit 1, Hartford
Constr Llc, $371,800.
• Andres Rodarte -- 1012 34th Ave., 34th Avenue Properties Llc, $375,000.
• Reina Hernandez -- 1829 31st St., Christopher & Beth Bruno, $375,000.
• Buffy Santos -- 1408 15th Ave., Gary Jones, $375,000.
• Megan & Amber Mattero -- 5020 W 27th St., Jennifer Young, $379,900.
• Jeffrey Mullen -- 921 E 25th St. Road, Phansiri Enterprises Llc Inc, $380,000.
• Dillon Pipher -- 521 37th Ave., Keane & Sandra Ververs, $399,000.
• Jacob & Brigitte Oster -- 2729 W 22nd St. Road, Thomas & Nancy Jones, $420,000.
• Sophia Ramosmagana -184 46th Ave., Rtp Land Co Llc, $445,000.
• Thomas & Nancy Jones -- 221 N 49th Ave. Place, Bradley & Terri Keeney, $448,000.
• Carole Etcheverry -- 4020 W 15th St., Scott & Jennifer Sanford, $500,000.
• Marcel Ehoussou -- 319 N 44th Ave. Court, David Mendoza, $505,000.
• Thomas & Jimmy Truong -- 111 66th Ave., Melody Homes Inc, $517,300.
• Tod & Denise Banderet -2910 45th Ave., Mina Benacchiobilger, $649,900.
• Thomas & Patricia Rasmussen -- 20208 County Road 22, Carl Jr Thomason, $150,000.
• Katrina & Jarrod Hess -- 21 S Estes Ave., Randall E Hess, $300,000.
• Edgar & Brenda Aragon -- 908 N 4th St., Dorothy & Dorothy Kolstad, $415,000.
• Barbara Mcvicker -- 516 Pebble Beach Ave., Mary K Rose, $425,000.
• Laura Carlson -- 3818 Heatherwood Circle, Angela J Sawtelle, $430,000.
• Rolando & Hilary Romero -- 4427 Moose St., Journey Homes Llc, $456,900.
• Craig & Katherine Stevens -- 812 Columbia St., Lennar Colo Llc, $580,000.
• William Kramer -- 1012 N 3rd St., Bob J Cogswell, $600,000.
• Ronald & Janice Eyster -3444 Mountainwood Lane, Roger & Cheryl Freeman, $648,000.
• Arturo & Lucia Meraz -3041 Dunbar Way, Hooten Family Trust, $680,000.
• Jessica & William Richburg -- 802 Columbia St., Lennar Colo Llc, $682,300.
•
KEENESBURG
• Eric Ramsey -- 300 S Pine St., Kevin & Kathy Reed, $630,000.
• Vonda & Willard Neely -303 Quebec Ave., David & Rina Burns, $363,000.
• Erica Lesso -- 13721 Siltstone St., Melody Homes Inc, $499,900.
• Joseph Orrino -- 13723 Siltstone St., Melody Homes Inc, $519,000.
• Shiela & Brendan Roberts -1510 22nd Ave., 1510 22nd Llc, $590,000.
• Phyllis Hawley -- 4417 Garnet Way, Melody Homes Inc, $600,000.
• Robin Keffeler -- 172 High Pt. Drive, Highlands Foxhill Homes Llc, $619,900.
• John & Debra Coyle -- 8031 Fox Hill Drive, Shawn & Donna Beauprez, $700,000.
• Hector & Ximena Rodriguez -- 818 Gay St., Isabelle & Michael Goulder, $725,000.
• Stephen Wax -- 1125 Chestnut Drive, Tracy & Robert Smith, $750,000.
• James Hamilton -- 12768 Columbine Drive, Clifford & Robin Brown, $750,000.
• Dave & Nicole Buckland -2237 Lombardy St., Adam & Sheila Ellis, $920,000.
• Tim & Jill Bator -- 5603 Wheaton Ave., Wg Longmont 2build Llc, $1,018,500.
• Christina Wilkening -- 999 Winona Circle, Adam
Mcleran, $381,000.
• Forrest Andersen -- 3187 Da Vinci Drive, Aspen Homes Colo Inc, $394,700.
• Jordan & Mary Russell -301 E 50th St., Thomas J Bradesca, $415,000.
• Kylie Alexander -- 2554 W 44th St., Pollyann Baird Trust, $415,000.
• Jonathan Brethauer -- 2615 Painted Turtle Ave., Lennar Colo Llc, $415,000.
• Darcy White -- 541 Radiant Drive, Jonathan W Winans, $444,900.
• Patrick & Gwenda Dumbauld -- 2564 Mary Beth Drive, M Rodney Mccartney, $445,000.
• Joseph & Grace Williamson -- 1727 Hoffman Drive, Scott Mitchell Sundheim, $445,000.
• Shelby & Austin James -6237 Wild Rye St., Richmond Am Homes Colo Inc, $450,000.
• Wil Brown -- 1110 Highland Drive, Lori A Thatcher, $450,500.
• James Morse -- 3260 Da Vinci Drive, Aspen Homes Colo Inc, $454,200.
• Trevor & Jocelyn Perkes -2434 Cottongrass Ave., Dfh Mandarin Llc, $490,000.
• Evan & Jenelle Forbes -914 S Dotsero Drive, David & Grace Dellatto, $500,000.
• Stephen Foster -- 410 W 12th St., Cody Everett Golden, $500,000.
• Joseph & Courtney Antonacci -- 1562 Caddoa Drive, James H Thies, $510,000.
• Monica Franco -- 1755 Lazear St., Tralon Homes Llc, $552,100.
• Preston & Amber Miller -- 2289 W 46th St., Scott & Steven Leach, $570,000.
• Eliseo & Maria Chavez -5917 Manistee Ave., Diane K Albershartzell, $599,000.
• Alexandra Smith -- 4855 Filbert Drive, Elva May Robbins 2007 Trust, $600,000.
• Michael & Eadie Sweezy -2890 Carina Drive, Evelyn G Holcombe, $650,000.
• Jeffrey Kreutzer -- 9198 Wildcat Road, Theodore & Row Hutchinson, $654,700.
• Andrew & Adele Gibson -1670 Tennessee St., Ronald & Gail Ferguson, $710,000.
• Amy Pickardt -- 1221 Eastlake Court, Jeremiah & Allison Kitchen, $720,000.
• Randal Lehl -- 6305 Friends Creek Parkway, Richmond Am Homes Colo Inc, $734,900.
• Claudia & Andrew Cole -- 2809 Great Egret Ave., Richmond Am Homes Colo Inc, $817,000.
• Robert Gwynn -- 14102 Buckhorn Road, Tracey Ann Shenkbrien, $825,000.
• Terry & Janice Turner -- 3295 Challenger Pt. Drive, Mark & Mitzi Jontz, $973,200.
• Joseph & Jean Hedrick -- 223 Reservoir Drive, Joshua & Amanda Mitchell, $1,250,000.
• Jonathan & Amme Pattison -- 176 Calabria Drive, Michelle & Nelson, $395,000.
• Dallas & Karen Ramos -- 207 Rock Bridge Lane, Danny & Kelly Freeland, $456,500.
• Jennifer & Ronald Mills -557 Red Jewel Drive, Windmill Homes Co, $546,700.
• Cindy & Jed Swank -- 282 Saskatoon Drive, Michele Mcgee, $583,000.
• John & Barbara Earley -5347 Promontory Circle, Natalie Marie Antonelli, $586,500.
• Joshua & Hillary Miller -- 1989 Moon Rise Drive, Brightland Homes Colo Llc, $647,000.
• Mariam Masid -- 6241 Vernazza Way Unit 4, Vernazza Townhomes Llc, $653,000.
• Kyle & Ashley Coble -- 784 Littleleaf Drive, Windmill Homes Co, $699,500.
• Reynaldo & Iris Lovos -- 2037 Bayfront Drive, Daniel & Jessica Holmen, $715,000.
• Lindsie & David Krier -- 174 Halibut Drive, Kevin & Jennifer Weaver, $725,000.
• Kenneth & Leslie Hodges -355 Boxwood Drive, Windmill Homes Co, $780,700.
