Frequently Asked Questions

In today’s market, average list prices vary by community. Here’s a general snapshot:

• Fort Collins: ~$650,000 
• Loveland: ~$560,000 
• Berthoud: ~$650,000 
• Johnstown: ~$580,000 
• Windsor: ~$600,000 
• Timnath: ~$725,000 
• Eaton: ~$525,000 
• Greeley: ~$450,000
• Severance: ~$560,000 
• Milliken: ~$475,000 
• Mead: ~$600,000 
• Longmont: ~$625,000 
• Erie: ~$725,000 (These shift based on inventory, price range, and season — I always pull current data for my clients.)

Northern Colorado has historically appreciated around 4–6% annually long-term, with some years higher. Communities like Timnath, Windsor, Erie, and Fort Collins have seen especially strong growth due to demand, schools, and proximity to major employers.

Typically 30–45 days from contract to closing. From first showing to closing, most buyers take 45–90 days total, depending on how quickly they find the right home.

• Earnest money
• Inspection ($400–$700) 
• Appraisal ($500–$800) 
• Loan origination / lender fees 
• Title fees 
• Prepaid taxes & insurance 
• HOA transfer fees (if applicable) I prepare a detailed estimate before you write an offer so there are no surprises

Pre-qualification is a conversation. Pre-approval means your lender has verified income, assets, and credit — and sellers take your offer seriously.

Yes. It protects you from falling in love with a home outside your comfort zone and strengthens your negotiating position.

Typically 1% of the purchase price, though it can vary. On a $600,000 home, that’s about $6,000.

Earnest money is a good faith deposit submitted after your offer is accepted. It’s held by the title company and applied toward your closing costs or down payment.

Yes — I strongly recommend it. Even new builds. During an inspection A licensed inspector evaluates:

• Roof 
• Foundation 
• Electrical 
• Plumbing 
• HVAC 
• Appliances 
• Structural components

You receive a detailed report with photos.

• Request repairs
• Ask for a credit 
• Renegotiate 
• Or walk away within your inspection contingency

You are protected.

Options include:

• Renegotiate the price 
• Buyer brings difference in cash 
• Split the difference 
• Terminate under appraisal contingency 

I guide you strategically through that process.

You don’t legally need one — but having representation protects you contractually and financially. The seller typically pays the buyer’s agent commission

Absolutely. I have a vetted network of:

• Local lenders 
• Inspectors 
• Title reps 
• Insurance agents 
• Movers 
• Cleaners 
• Handymen 
• Contractors 

I only refer professionals I trust with my own clients.

As often as you want. Typically:

• Weekly check-ins while searching
• Immediate updates on new listings
• Near-daily communication once under contract 

You will never feel out of the loop.

• Change locks 
• Set up utilities 
• Deep clean (if needed) 
• Update address 
• Review HOA guidelines 
• Create a home maintenance calendar 

I also provide a move-in checklist for my clients

Both. I tailor my strategy depending on which side of the transaction I’m representing.

• Strong Northern Colorado market knowledge
• Strategic negotiation 
• Clear, consistent communication 
• High attention to detail 
• Relationship-focused, not transaction-focused 

I treat your purchase like it’s my own

There is no universal “perfect” market — only the right timing for your goals.

Right now: 

• Buyers have more negotiating power than peak frenzy years
• Sellers still benefit from low inventory in many price ranges 

I help you analyze your situation specifically.

Yes. I assist with:

• Long-term rentals
• Short-term rental analysis 
• Relocation clients 
• Coordinating out-of-state closings

Absolutely. I walk first-time buyers step-by-step through the entire process — education is key.

Yes — and representation is critical.

Yes. The builder’s sales rep represents the builder — not you. Having your own agent ensures:

• Contract review 
• Upgrade guidance 
• Inspection advocacy 
• Appraisal oversight 
• Negotiation on incentives