Contributor

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If you are buying any property, whether it is land, house, condo, or townhome, there might be a Homeowners Association (HOA) involved. Knowing as much as you can about the HOA will help you make a quality decision in the homebuying process. 

- An HOA will provide a number of services and benefits to the homeowners they serve, but at the same time homeowners must pay fees to belong. The fees are not included in your mortgage payment so it’s important to understand these additional costs ahead of time.

- What is an HOA? Anytime there are common ownership elements involved in a multi-family unit or neighborhood, an association is formed to administer the care and management of these elements. The cost of this administration is almost always divided

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As we look ahead to coming trends in 2019 real estate, home buyers and sellers nationwide will face changes in the marketplace, according to the economic research team at realtor.com. From housing inventory to generational shifts, here are four top trends to look for in 2019.

1. Inventory will grow, especially for luxury homes

Inventory has been tight nationwide, hitting its lowest level in recorded history in the winter of 2017, says realtor.com. Supply finally began catching up with demand in 2018. That inventory growth will continue in 2019, but at rate of less than 7 percent. While sellers will have more competition, it will still be a good market.

“More inventory for sellers means it’s not going to be as easy as it has been in past

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One of the goals of the Colorado Association of REALTORS® (CAR) is to be the voice of Colorado real estate. In this capacity, CAR is an invaluable, direct source of information. For example, CAR provides the most accurate real estate market statistics based on 100% of all Multiple Listing Services (MLS) participating across the state. The data taken from the MLS is then scrubbed to eliminate duplicates where the same property might be included in more than one MLS system. The collection of data is enormous and comprehensive, and only a few listings that are for sale by owners and some new construction are not included in the database.

Each month the data is tabulated and available on the Colorado Association of REALTORS® website at

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A tale of two markets emerged in November, as Boulder County’s single-family home sales skidded to a stop, while townhomes and condos took a significant leap forward.

Single-family home sales in the Boulder-area markets dropped 14.4 percent in November compared to October —310 vs. 362 homes—while condominium and townhome sales rose 14.5 percent—126 units vs. 110. 

Yet when data for 2018’s first 11 months is considered, the two markets tracked closely together, and both appear to be slowing, according to Ken Hotard, senior vice president of public affairs for the Boulder Area Realtor® Association.

“This is the first month single-family home sales fell below last year, and condos and townhomes are only slightly ahead,” Hotard explains.

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One of the joys of living in Boulder is seeing our local wildlife in their natural environment. We catch glimpses of bears, mountain lions, coyotes, deer, elk and even moose. Yet as animals lose their fear of humans and venture into the city, there is danger for both humans and animals. Just a few simple rules make it easier to coexist.

The holiday season creates a unique issue with our beloved wildlife. If you have ever seen an elk or deer trying to get a string of holiday lights off its antlers, you realize how important it is to think about your decorations. If you live on the west side of Boulder or in the mountains, be sure to have your lights high and out of the way of known wildlife paths.

This time of year, it is even more important to

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Wildfire is fresh in our mind after seeing all the destruction in California. It seems impossible that an entire town, such as Paradise, California, could burn to the ground. That level of sweeping destruction seems as if it only happened in previous eras, such as the time of the Great Chicago Fire. The fires in recent months give us all a wake-up call, especially for those who live in the mountains and foothills where wildfire is an ongoing hazard. Boulder County has had its share of wildfire in recent years – and these recent fires are telling us to be prepared!

Wildfire tends to be a summer peril. Nevertheless, our winters have been no stranger to wildfire. When there’s no snow on the ground and there are dry conditions, the wildfire danger can

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Boulder leads the nation for the most positive economic outlook, followed by two other Colorado cities in the top 10 -- No. 3 Fort Collins and No. 9 Denver. According to the recent survey by Indeed.com, a positive economic outlook is driven largely by where you live more than by a national or political view of a national economy.

Colorado is the only state with three cities in Indeed's top 10. Smaller mountain-state metro area residents performed well when surveyed about the economy and their personal outlook. Tech hubs also fared well, such as the San Francisco Bay Area, Austin, and Raleigh.   

The following 10 U.S. cities have the highest economic confidence, according to Indeed.com:

  1.      Boulder, CO
  2.      Provo-Orem, UT
  3.      Fort
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The holiday season is upon us and you may be thinking about finding a special or unique gift your family member or loved one could use for years to come. In my previous article entitled, “Part 1 – Holiday Gift Ideas for First-Time Home Buyers,” I discussed gifting down payment funds or First-Time Homebuyer Savings Account (FHSA) contributions to first-time buyers to help purchase their new home. In this article, I will discuss another way you can help a home buyer. 

Even though the interest rates on home mortgages are historically very attractive, they are rising. As interest rates rise, a homebuyer’s purchasing power is reduced. An exceptional gift idea is helping your relative or loved one with an interest rate or mortgage buydown. Buying down an

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Even in Boulder County’s active real estate market, November through January presents heightened challenges for selling your home. But if you must sell your home this holiday season, take heart: holiday buyers are intent on completing a purchase. And with fewer homes on the market your home has less competition. 

You can embrace the unique advantages the holidays bring to the home selling season with these tips, first reported by hgtv.com.

Decorate lightly to get the best effect.
Light holiday decorations showcase the warmth of a home like no other. Use general winter decorations such as greenery and candles to accentuate your home’s best features and avoid personal items or specific themes. Less is more when it comes to decorating, but a few

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Saving for a down payment on a home is the most difficult step in the process of buying a home for 25% of first-time buyers, according to the National Association of REALTORS (NAR) 2017 Profile of Home Buyers and Sellers. Of those buyers, 55% said student loan debt delayed them in saving for a home. Now couple those issues with the high price of real estate in the Boulder area, and it makes it very difficult for first-time buyers to get started. In fact, according to the same profile from NAR, the typical first-time buyer might delay a purchase for three years to save for a down payment. In an appreciating market such as in the Boulder area, purchasing the first home gets harder as time goes on. 

NAR also says that 25% of first-time buyers depended

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