Your Home is

So Much More Than a House

Your home is a place of security, safety, stability.  It is also one of the most powerful tools that exist for building wealth.  Did you know that the average wealth of a homeowner is about 40 times greater than a renter? 40 TIMES!!  In the last decade, middle-income home-owners saw a 68% increase in their investment, nearly $122,100.  Low-income owners saw an increase in value of nearly $98,900 in that same time period.  Further, home-owners saw a 21% decrease in debt. So, you tell me, what other “expense” will earn you that kind of return while at the same time decreasing your debt?  If you are still renting, you are making this kind of money for someone else. If you’re ready to start building wealth, I’m here to help you!

Here’s what they had to say…

“Jasmine was simply wonderful to work with!”

– Nicole

how it works

THE buying PROCESS

01
Find Agent

Find a Realtor that makes you feel comfortable.

02
Financials

Get your finances in order, get a credit check, get pre-approved for a morgage.

03
Search

Begin your search!  

04
Offer

Make your offer for the home and prepare to negotiate.

05
Inspection

Arrange for a professional inspector to visit the home.

06
Appraisal

Arrange for a professional appraiser to visit the home and determine a value.

07
Schedule Move

Schedule your move and arrange for movers.

08
Closing

Get your keys and celebrate your new home!

A Renter's Guide to Buying Your First Home

If you are ready to start building wealth for YOU and your family download my guide below.

A Renter's Guide to Buying Your First Home

If you are ready to start building wealth for YOU and your family download my guide below.

What makes working with me different?

Set Up a No Obligation
property Search

This is the most fun part of the buying process! Fill out the form to get started searching for the right home for this stage of your journey! 

Not seeing what you like here?  Let’s connect and let me use some of my professional resources to really get specific! 


Learn More About Buying

Want to learn more about buying real estate in Colorado? Check out these articles and videos.

March 2024 Douglas County Real Estate Market Trends

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February 2024 Douglas County Real Estate Market Trends

Douglas County 2024 Real Estate Market Update https://youtu.be/BPfhe8f0dPoIf you’re...
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Starting With a Starter Home And Then Moving Up

Building Dreams The Benefits of Starting with a Starter Home and Upgrading Down the...
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Have Questions About Buying?

Check out our FAQs for buying real estate in Happyville, USA.

The value of your home is tied to so many things that make up the real estate “market”.  External factors including politics, recession, unemployment, or more local events, policies, etc. effect the housing market significantly…..One of the biggest factors related to home value for our Colorado market is supply and demand.  We have many people wanting and needing homes in our beautiful state, and a pretty low inventory (for years now) and so this keeps our home prices higher than many other places.  It has kept us “insulated” from these external factors and kept our market higher than average.  That being said, as with any investment, things can go up and down. 

The important thing to consider however, is that this is a long-term investment.  While you wouldn’t watch the value of your stocks minute by minute, you don’t want to look at the value of your home month by month.  The average appreciation of middle income household homes over the last decade is 68%, or an average of just over $122k!!  So, while month to month, year to year you can see some dips, overall, real estate is an amazing and unmatched investment in terms of historical long-term appreciation! 

If you want to chat more about this, find out why homeowners are worth more than renters, or listen to me get really fired up about why you can’t afford NOT to buy a home, let’s chat!

 

As with everything in life, there are pros and cons to both.  Buying an older home can arguably be a better investment.  Historically “new” homes are priced higher and many question the quality of more quickly and “mass” produced homes.  That being said, more recently, in part due to Colorado’s low inventory, new builds have been priced competitively when compared to older homes.  Additionally, builders have found ways to incentivize buyers with discounts, add-ons, and the biggest benefit of all, lower interest rates.  However, there can often be many draw backs to a new build as well;  many times the process take significantly longer than expected; each item you see is generally an upgrade so while the base price is appealing, the property as you want it could be significantly more than the price tag.  This is not true of an older “re-sale” home where, “what you see is what you get”. 

 

If you are unsure what route to take, let’s chat.  We can go over a more comprehensive list of pros and cons, look at your specific needs and your ideal neighborhood to see what makes the most sense for you. 

 

And remember, even if you go the “new build” route, you need a Realtor to be a guide and advocate for you.  So before you go walking through spec homes, get in touch with me and let me help you not matter which home you choose!  

A broker is your real estate agent or Realtor (a higher standard in terms of ethics training and a designation that I hold).  A broker is the person who will assist you in your real estate transaction, showing properties or listing your property, writing contracts, etc.  A broker has different responsibilities when they function as an “agent”.  In an “agency” relationship, they are a trusted advisor, a knowledgeable expert in the real estate market, and an advocate.  It is their job to serve you, to have your best interests at heart, to negotiate on your behalf and to guide you through the process.  When someone acts as your agent they have many fiduciary responsibilities, confidentiality responsibilities and must look out for your needs above all else.  Let’s chat more about how I can help you as your broker/agent!

This is a great question, and probably the first and most important one you need to answer when looking to purchase a new home.  And it’s an answer that depends on several factors and involves speaking with one of my amazing lending partners.  Your lender will collect information from you including income and expenses, pull your credit score and determine preliminary numbers.  Then they will work through all the options available to you. 

 

For instance, if this is your first home, there are many first time home buyer assistance programs out there that assist with down payments etc.   They can also help you factor in the additional fees associated with home ownership that are calculated in your monthly mortgage (insurance, taxes, HOA to name a few). And then together based on what you “qualify” for and what you are comfortable with, you will know how much you can afford.  Then I will assist you in finding homes within that budget😊

This is another great question for your lender (let me get you connected with my favorites:).  But what I will say is, the loan process can move VERY quickly, IF you are prepared.  By this I mean, if you are “pre-qualified” things can get done in 30 days in most cases.  However, the biggest issue I see for most clients is that they don’t meet with a lender until they are “ready” to start looking for their new home, and then often times it turns out they aren’t actually “prepared”.  


By this I mean that sometimes there are issues on their credit that they were unaware of, their debt to income ratio is slightly higher than allowed….any number of things can come up.  Most of the time these issues can be pretty easily resolved, but it can often take some time.  So my suggestion is, if you are even just thinking about buying a new home, let’s chat.  I can help you with the real estate side and get you set up and prepared on my end, and I will connect you with an amazing lender that can guide you through the financing process.  Let’s do this!!

What My Buyer Clients Have to Say

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