Author: Kim Beirne

As someone who helps Colorado homebuyers find their best path forward, I’m always watching for shifts in how people approach homeownership. A recent national survey really caught my attention: 60% of Americans would rather co-buy half a home now than stay renters until solo ownership is possible. Unsurprisingly, affordability leads the way—94% pointed to reasons like splitting monthly mortgage payments, sharing the down payment, or being able to access a home that might otherwise be out of reach.

What stands out to me is how co-buying isn’t just about finances. Family is the most common co-buyer, with 68% open to teaming up with relatives, but younger and lower-income folks are also embracing the idea of buying with friends. Nearly all prospective co-buyers want written agreements to clearly outline payment and exit terms—which is such a smart way to set everyone up for success. Interestingly, 29% are leveraging non-traditional down payment sources, and there’s real value in having a lending partner who can help navigate these options.

Perhaps most telling: 61% see co-buying with friends or family as a commitment on par with marriage, and half believe it could help prevent feeling alone later in life. For anyone considering a shared purchase, it’s worth knowing your options and making sure you’re set up for both partnership and long-term stability.

Your mortgage rate isn’t just a number—it’s a reflection of the choices and preparation you put into your homebuying journey. A recent analysis of 1.35 million U.S. purchase loans (Early-Q1 2023 to Late-Q4 2025) reveals just how much control borrowers can have. Even within the same month, the middle 80% of buyers saw rates vary by 93 basis points—a difference that could mean roughly $28,400 in home price for someone budgeting $2,000 a month.

What made the biggest impact? Credit score. Boosting your score from the high 600s to 720 didn’t just improve your options; it opened doors to better pricing, with key milestones at 700 and 720. Shopping around matters, too—a highly competitive lender beat the typical one by 19 basis points, worth about $5,800. And while putting 20% down didn’t dramatically lower the rate (just 0.7 basis points), it did help avoid mortgage insurance, which often brings more meaningful savings.

As a mortgage professional who values a personal approach and clear guidance, I’m always here to help you understand what shapes your rate. Empowering you with knowledge is what makes the process smoother—and positions you to make confident decisions for your future.

Mortgage rates can change, but a rate lock can help protect your agreed-upon rate for a set period while your loan moves toward closing.

Depending on your loan and lender, locks may last 30–90 days.

Ask about fees, expiration dates, and whether a float-down option is available if rates drop.

The key? Understand your options before deciding what works best for your budget and goals.

I’m here to help you navigate the details and make informed financing decisions without the guesswork.

Before browsing homes, start with a financial plan that fits your budget and goals. Check your credit, account for closing costs and moving expenses, and get pre-approved before touring homes.

The right preparation can help you understand your options, avoid surprises, and make more confident decisions. With the right real estate agent and mortgage partner in your corner, you don’t have to navigate the process alone.

Let’s make your path to homeownership clearer, one step at a time!

When it comes to securing a mortgage, many homebuyers wonder whether working with a broker makes a real difference. From my perspective here in Colorado, I’ve seen firsthand how a mortgage broker opens doors to a wider range of loan options—including exclusive and non-public offers that banks simply can’t provide. Every client’s financial picture is unique, shaped by income, credit, deposit, and the property they’re considering. That’s why I believe in a relationship-focused approach: by understanding your specific goals and circumstances, I can offer tailored advice and access to opportunities you might not find on your own. For me, a mortgage isn’t just a transaction—it’s an important step in building your future, and you deserve guidance that’s both personal and empowering.

Denver homebuyers are feeling the squeeze as higher rates, home prices, and living costs all stack up. A recent rate hike by a central bank has added even more pressure, making the path to homeownership feel steeper for many in our area. I’ve seen firsthand how these dynamics play out—like a Capitol Hill condo that sat on the market for over six months, attracted more than 20 showings, and still required a price cut to spark interest.

Interestingly, buyers right now seem more patient and selective. Detached single-family homes are still moving at a healthy pace, but condos, townhomes, and row houses are taking longer to find new owners. Some buyers are choosing to take a step back—but that can mean less competition for those truly committed to making a move. If you’re weighing your options, it’s worth considering the long-term investment value, especially as you factor in borrowing costs, HOA fees, and everyday expenses.

For sellers who can afford to wait, holding onto property a bit longer might be wise while the market finds its balance. As someone who helps Colorado buyers and homeowners navigate these shifts every day, I’m here to offer clarity and support as you explore your next steps.