Are You Home Equity Rich?

Equity is the market value of your home minus what you owe. Denver home prices are shooting up , boosting overall home equity levels. Rising home prices have Denver homeowners sitting on potential cash. That’s good news for homeowners. And it’s another good reason to...

Real Estate Market Seasonal Shifts with Some Surprises!

Our Denver real estate market certainly keeps us on our mistle-toes! This time last year, we had a nice increase in residential listings. While we were (still are) hoping for more housing inventory, we’ve seen a decline for the third month in a row. It’s not unusual...

Planning For 2020

Join the Oddo Group at Luminate Home Loans for a real estate education and planning event in Littleton, CO. We’ll help you to develop a personalized plan to: Achieve your most important goals. Build your systems now so you can lean on them in 2020. Michelle Oddo is a...

Mortgage Closing Costs Explained

Closing costs include fees required to finalize a mortgage. You pay closing costs whether you buy a home or refinance your mortgage. Most of the closing are the responsibility of the buyer, but the seller usually has to pay a few as well. Visit our video library for...

Buying A Home During the Holiday Season Has Advantages

It may be a seller’s market in the Denver suburbs, but we’ve had more inventory than the last few years. So if you’re looking for a home, buying during the holiday season has its advantages. You can text, call or email me about pre-qualifying for a loan....

Private Mortgage Insurance

What is PMI? Private mortgage insurance (PMI) enables you the buyer to put down less than 20% on the purchase of a home. In the past when you bought a home you had to have a 20% down payment. That is no longer the case because of PMI. Private mortgage insurance...