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Soaring rents in Denver have tenants thinking more about buying

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AND soaring home prices in Denver have tenants thinking more about renting... (The chicken or the egg) In metro Denver, fast-rising rental rates are pushing tenants to increasingly consider buying a home instead of renting. Denver-area rents are soaring three times faster than the U.S. average - a trend making Denverites more likely than their national counterparts to give up rental payments in favor of a mortgage. Seventeen percent of metro Denver renters expect to buy a home within the next year, compared to 12% nationwide, according to a Zillow survey released this week. Read article
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You need to make more than $80,000 a year to afford the median Denver-area home

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A new report highlights just how far out of reach home ownership is for many in the Denver metro area. An individual or household needs to make at least $81,349.82 a year in order to afford the median home in the Denver metro area. Compare that to the Denver metro area’s median household income, which was $71,146 in 2015, the latest year for which data are available. The analysis used median single-family home price data from the second quarter of 2017, which amounted to $424,500. That price encompasses the entire metro area and not just the city of Denver. In calculating the salary required, We assumed a 30-year fixed-rate mortgage with a 4.11 percent interest rate and a 20 percent down payment, which would mean a monthly payment of $1,898.16. That includes the principal, interest and estimated taxes and insurance. A 20 percent down payment isn’t always necessary, but putting down less money upfront will lead to higher monthly payments. With a 10 percent down payment, one would nee...
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How would Amazon HQ2 affect rent in Denver?

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With Denver on the short list for Amazon.com Inc.'s second headquarters, concerns are being raised about the impact of a $5 billion, 50,000-worker campus in an area that is struggling with housing affordability. Rental costs are on the rise, and a study today from Apartment List shows that Amazon HQ2 would increase those costs an additional 0.8 percent to 1.1 percent per year with the Amazon HQ2. That percent range translates to between $7,751 and $11,452 for a typical Denver renter household over a ten year period. To clarify, the 0.8 percent to 1.1 percent increase in rent is in addition to the baseline rent growth Denver has experienced without HQ2, which according to Apartment List averaged 4.8 percent per year from 2005 to 2015. With low inventory on both homes and rental vacancies, a new headquarters could strain housing further. Most impacted by these increases would be lower wage workers, many of whom would be needed to support Amazon HQ2. However, Denver would not be...
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Estimated FHA closing costs for buyers -buyers getting an FHA loan

BUYER’S CHARGES (buyer getting an FHA loan) 1. Purchase Price 2. Mortgage Title Policy 3. Miscellaneous Title Endorsements as Required by the New Lender (see title commitment) 4. Recording Fees 5. Loan Discount Fee 6. Doc Fee (.01 cent per $100 of sales price) 7. Hazard Insurance Premium (1st year) and reserves 8. FHA Mortgage Insurance *premium and. Reserves 9. Loan Discount Fee- as per contract 10. Tax Reserve Account 11. Survey* 12. Credit Report* 13. Appraisal* 14. Interest on New Loan* 15. Express Mail Fees (if applicable) 16. Real Estate and Loan Closing Fees 17. Homeowners Dues, Fees, etc. *Amounts Determined by the New Lender Note: Buyer must pay all prepaid expenses. All other charges are negotiable if agreed to by all parties in the sales contract.
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Willow Creek Community Picnic

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The First Annual Willow Creek Picnic Saturday, August 16th, 2008 3:00 PM @ Willow Creek Park FOOD . ENTERTAINMENT . GAMES . ACTIVITIES . PRIZES AND MORE Please RSVP if you can: For More information Call Sarah Beezley 303-738-2226 or email sarah.beezley@usbank.com Event sponsored by Sarah Beezley (Loan Officer) with US Bank & Saber Amine (Realtor) with Homes And People Sign up for our monthly Willow Creek newsletter and receive the latest statistics on sold and active homes for sale, as well as exclusive upcoming news and events. Our newsletter is exclusively written for our Willow Creek neighborhood. (We respect your privacy and never share your email address with anyone)
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