If you're considering a move and debating between resale and new build, it's easy to get overwhelmed by the options.
The advantages of resale is that you are likely to get more inclusions in the purchase price (like appliances, window coverings, remote garage doors, surround sound or tv mounts, etc). You may be able to afford more square footage in an older home, or more yard space and possibly furniture or outdoor kitchens. The disadvantage is that home and the systems in it are older so you will likely need to replace or repair appliances and systems sooner. A good portion of your first few years of ownership may go to making the home yours, like replacing carpets and drapes, or replacing aging appliances. 
If you're considering newbuilds, there are so many options and typically something for most budgets. The advantages of newbuilds are that reputable builders are using more efficient materials so your homes are tighter and you can expect lower heating and cooling bills. Of course everything is new so replacement and repairs should be infrequent for the first few years. In fact, a good portion of your home expenses may be purchasing the appliances, window coverings or options that were not included in the purchase price. 
When considering a new build, a trusted experienced realtor can provide valuable information on a builders reputation. They can help narrow down the field so you're not overwhelmed by the options. Price range of homes can be a good indication of the grade of home you're considering (from spec or track to semi-custom or custom new builds), but local knowledge can help you determine the right home for you based on your timeframe, budget and home priorities. 
Over the next several weeks, I'll be highlighting various home builders on my social media platforms: facebook, tiktok, istagram and here at RELO2NOCO. These are just glimpses at homes or communities so please reach out for more information. Building the home of your dreams can be just a phone call away! 
Georgi Grover
​(970) 670-0246

Keirns Construction is one of the local custom builders in Berthoud's Harvest Community. Keirns has been building homes in NoCO for 40 years and is a tried and true home builder. Some of the characteristics of these homes are the high ceilings (12 ft in the entry and living area, 9ft throughout) plus high end finishes and large kitchen islands. Soft browns and grays are growing in popularity and the touches throughout this custom home have used these colors beautifully throughout the kitchen and living room. 
The Harvest in Berthoud is a No Metro Tax custom build development with quarter acre lots and mountain views (some are corridor mt views). Located close to Berthoud's downtown area, TPC (PGA) Golf course, trails, Carter Lake and much more. Berthoud is situated midway between Boulder and Fort Collins. Interested in knowing more about the local builders, or homes throughout Northern Colorado? Please reach out - I'd love to help. 

If you're a skier or snowboarder, considering a move to Northern Colorado - you're in luck. The Rocky Mountains certainly have a plethora of huge ski areas to choose from. If you're looking for something closer to home, Eldora Mountain is a great option. It has terrain for all levels, Woodward Terrain Park, race club, moguls, groomers, gentle glades to steep glades off the back Corona Lift. There's live music most weekends and events throughout the season. It's a family friendly resort and I've always encountered friendly staff. Locals know of the Eldora Breeze, which is typically less a gentle breeze and more a class 1 or 2 hurricane wind but the good news is - you don't need to get on 1-70 to get back home! The Eldora Mountain Website has great information and 6am updates on weather, lifts, traffic and conditions. If you want to know more about what to do in Northern Colorado, reach out. I'd love to answer any questions. Thanks for watching and have a great day. 

​There is a lot of information circulating about how a government shutdown may affect current mortgages (for federal employees) or the loan process for those in the process of buying a new home, or refinancing a current home. Below are some brief bullet points on how this can affect current or future mortgages, but the best advice is to speak with a loan expert as soon as possible. If you need a recommendation, please let me know. I'd love to help.  

• If you are a federal employee, and a homeowner with a mortgage, contact your loan servicer as soon as possible if you think you’ll have trouble paying your mortgage. There may be assistance (IE: a pause in your mortgage payments where late payments are waived). The sooner you can speak with your servicer, the better.
• If you are applying for a new mortgage, you likely won’t have a problem. If the shutdown is extensive, that could certainly change. The best information will come from a loan expert (which I am happy to provide recommendations for).  FHA and VA loans should continue to be processed (as of now). While Fannie Mae and Freddie Mac are government-sponsored, they act independently and should continue as normal but, as government-sponsored entities, there could be delays. It’s possible that the request for documentation could take longer.
• If a loan is being secured through Small Business Administration, an independent agency of the federal government, the loans could be delayed.
• If a loan requires federal flood insurance, it could be delayed.
• If you are a federal employee, facing a suspension in pay, and applying for a new loan, you may or may not be affected. There are lenders that consider you securely employed so if your new loan may be jeopardized, speak with another lender.

The common theme is to speak with a recommended, local lender or your loan servicer to provide expert advice and continue your payments or loan application process smoothly.