Remodeling Impact

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Remodel

Americans spend $400 billion per year remodeling their homes.

So, which remodeling investment gives the best return when it comes to resale value?

It should come as no surprise, especially leading up to Thanksgiving, that the best money to spend upgrading your home is in the kitchen.

It’s the place where most homeowners spend most of their waking hours.

According to the research from the National Association of Realtors, it’s where remodelers will see the biggest return on investment.

Here is the ranking of various projects in terms of the value it adds to the home:

  1. Complete kitchen remodel
  2. Kitchen upgrade
  3. HVAC replacement
  4. Owner’s suite renovation
  5. Bathroom renovation
  6. Finishing a basement
  7. Adding a bathroom

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Hosting for the Holidays

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Fireplace

Image source: Shutterstock

 

Whether you’re planning on having visitors fill your home with holiday cheer or keeping the holiday celebrations to a minimum, there are steps you can take to reduce the stresses of gatherings during the COVID-19 pandemic. Many homeowners have become accustomed to applying the following principles to their at-home lifestyles thus far this year, and this holiday season is no different.

 

Disinfect

The first step in getting your home ready for the holidays is to disinfect. When preparing to host, it’s natural to tidy up your home and give everything a cleanse with soap and water. However, additional measures need to be taken this year to reduce the risk of spreading germs.

  • Proper disinfectants: The CDC (Centers for Disease Control and Prevention) recommends a 70% alcohol solution—or four teaspoons of bleach per quart of water—for reducing the chance of spreading COVID-19. Be sure to ventilate your home as you prepare to disinfect to avoid any harmful effects of toxins. After applying the bleach solution, let it stand for up to ten minutes before wiping it off.
  • Surfaces: The most problematic surfaces for germs are high-touch areas. Doorknobs, banisters, toilets, sinks, refrigerator and door handles, light switches, and faucets are all likely candidates for spreading germs, so be sure to direct your disinfecting attention there.
  • Your guests: In any event itinerary or reminders you send out, make sure to emphasize the importance of frequent hand washing, especially before and after touching communal items and eating. On the day your visitors come over, provide plenty of disposable towels and hand sanitizer in eating areas, food-prepping stations, and bathrooms. Place garbage cans nearby to reduce contact.

 

Keep a Distance

As the host, you have the opportunity to create a cozy, comfortable environment that still leaves room for practicing social distancing and other preventative measures. Know that indoor gatherings with poor ventilation pose a greater risk than those with good ventilation and that indoor gatherings are altogether more risky than outdoor. Members of different households should remain six feet apart to reduce the chance of spreading infection. Encourage masks to be worn at all times except when eating.

If you are planning an outdoor gathering, get creative with your lighting décor while adding some warmth for your guests. Space heaters, patio heaters, parasol heaters, and propane fireplaces have become more popular as homeowners look for ways to entertain safely and comfortably.

 

Virtual Gatherings

If in-person gatherings are too risky for you and your family, virtual gatherings are a way to celebrate with friends and extended family members while being apart. Here are some ideas for hosting virtually this holiday season:

  • Choose fun activities for the group to share virtually. Arrange a time for a virtual gift exchange, sharing the gifts you’ve bought each other.
  • Try a virtual recipe share with friends and family. Send out a recipe for everyone to enjoy and schedule a video call to share in the cooking process.
  • Select a movie and showtime to have everyone settle in with their cup of hot cocoa or tea and enjoy a flick together.

 

No matter the size of the gathering in your home, these steps will help you navigate the stresses that come with hosting celebrations. For more information and advice for gatherings during what will be a unique holiday season, visit the CDC’s website here: CDC Guidelines for Holiday Celebrations

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55+ Community!

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You found it! 4424 Espirit Dr is a terrific two-bedroom home in a lively 55+ community with everything you need. Just moments from Old Town Fort Collins, your new home features a large kitchen with plenty of natural light, a pantry and lots of cupboard space. The wide-open floorplan includes separate living and dining areas, plus an office/study with classy French doors; perfect for enjoying a book or getting a little work done. Spread out in the huge master suite with its own private deck overlooking community open space, and don’t forget the large outdoor patio just outside the dining area. Covered front porch and oversized two-car garage! A great home in a superb community! ** PLEASE NOTE ** This is a land lease property. The Buyer will own the home, but lease the lot. The lease fee is $870/month with an additional $144.71/month community fee. Contact Jon Holsten at (970) 237-2752 for your private showing for more information or click the link below for more details.

http://windermerenoco.com/listing/119974881

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Fabulous Farmhouse!

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It’s all about the lifestyle! 2425 W Belvins St is a fabulous five-bedroom farmhouse sits on 41 acres just north of Fort Collins! With incredible, unobstructed views of the foothills and Colorado high country, THIS is rural living at its finest. Bring your horses, livestock and chickens. Heck, bring any creature you like! Enjoy amazing sunrises, spectacular sunsets and starlit night skies. Surrounded by over 300 trees and shrubs, the fantastic home features a great kitchen, sprawling open floor plan, large bedrooms and a mostly finished basement with large kitchenette and underground wine cellar. Back outside, you’ll find several storage sheds with plenty of room for your toys and a small underground building you can use for workspace, or better yet… socializing with friends. This is a rare find and a great value. NO HOA! Contact Jon Holsten at (970) 237-2752 for your private showing for more information or click the link below for more details.

http://windermerenoco.com/listing/119974878

The post Fabulous Farmhouse! appeared first on Fort Collins Real Estate | Fort Collins Homes for Sale & Property Search.

Fabulous Farmhouse!

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It’s all about the lifestyle! 2425 W Belvins St is a fabulous five-bedroom farmhouse sits on 41 acres just north of Fort Collins! With incredible, unobstructed views of the foothills and Colorado high country, THIS is rural living at its finest. Bring your horses, livestock and chickens. Heck, bring any creature you like! Enjoy amazing sunrises, spectacular sunsets and starlit night skies. Surrounded by over 300 trees and shrubs, the fantastic home features a great kitchen, sprawling open floor plan, large bedrooms and a mostly finished basement with large kitchenette and underground wine cellar. Back outside, you’ll find several storage sheds with plenty of room for your toys and a small underground building you can use for workspace, or better yet… socializing with friends. This is a rare find and a great value. NO HOA! Contact Jon Holsten at (970) 237-2752 for your private showing for more information or click the link below for more details.

http://windermerenoco.com/listing/119974878

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November is Homeless Youth Awareness Month

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In 2007, November was declared National Homeless Youth Awareness Month to shine a light on the homeless experiences of young people and their families. The Windermere Foundation supports the following organizations dedicated to supporting youth in their communities, all of which are providing ways to give back during the COVID-19 pandemic. To support these organizations, donate to the Windermere Foundation through your local Windermere office to ensure community funds help community needs.

 

New Avenues for Youth – Oregon

The Windermere Foundation has supported New Avenues for Youth in their mission to address youth homelessness in Oregon, providing services like education, job training, counseling, and supportive housing.

 

Partners Mentoring Youth – Colorado

Based in Fort Collins, Partners Mentoring Youth has empowered youth and community members to reach their full potential through mentoring, prevention, education, and strategic partnership since 1978. Since that time, the organization has continually expanded their mission and programming to fit the needs of their community and are continuing to do so in the face of COVID-19.

 

The Mockingbird Society – Washington

The Mockingbird Society is dedicated to getting youth into safe, supportive and stable homes by transforming foster care. Magnifying the inequalities faced by young people and families experiencing foster care and homelessness, the COVID-19 pandemic has heightened the need for the organization’s work. The Mockingbird Society is supporting young people who have lost jobs and/or housing, while providing trauma training and delivering emergency policy guidance to families.

 

Boys and Girls Clubs of America

Supported by the Windermere Foundation across our network, the Boys and Girls Clubs of America enables young people in need to reach their full potential. During the pandemic, the organization has partnered with local clubs to develop a national strategy to serve their local communities.

 

YMCA

Present in neighborhoods throughout our footprint and more than 10,000 communities nationwide, the YMCA is committed to helping communities to learn, grow and thrive, while empowering youth to reach their full potential. The Y has stepped up their emergency food services programs to address increased community need.

 

Beyond the organizations highlighted here, the Windermere Foundation also supports YouthCare (Seattle, WA), Bridge Meadows (Portland, OR), and the North East Youth Center (Spokane, WA), all dedicated to serving youth in their communities. For more information on how you can support homeless youth in your community, talk to your Windermere agent about what organizations are being supported locally.

 

To find out more about the Windermere Foundation or to make a donation, please visit windermerefoundation.com.

The post November is Homeless Youth Awareness Month appeared first on Fort Collins Real Estate | Fort Collins Homes for Sale & Property Search.

November is Homeless Youth Awareness Month

/in , , , , , , , , , , , , , , , , , /by

 

In 2007, November was declared National Homeless Youth Awareness Month to shine a light on the homeless experiences of young people and their families. The Windermere Foundation supports the following organizations dedicated to supporting youth in their communities, all of which are providing ways to give back during the COVID-19 pandemic. To support these organizations, donate to the Windermere Foundation through your local Windermere office to ensure community funds help community needs.

 

New Avenues for Youth – Oregon

The Windermere Foundation has supported New Avenues for Youth in their mission to address youth homelessness in Oregon, providing services like education, job training, counseling, and supportive housing.

 

Partners Mentoring Youth – Colorado

Based in Fort Collins, Partners Mentoring Youth has empowered youth and community members to reach their full potential through mentoring, prevention, education, and strategic partnership since 1978. Since that time, the organization has continually expanded their mission and programming to fit the needs of their community and are continuing to do so in the face of COVID-19.

 

The Mockingbird Society – Washington

The Mockingbird Society is dedicated to getting youth into safe, supportive and stable homes by transforming foster care. Magnifying the inequalities faced by young people and families experiencing foster care and homelessness, the COVID-19 pandemic has heightened the need for the organization’s work. The Mockingbird Society is supporting young people who have lost jobs and/or housing, while providing trauma training and delivering emergency policy guidance to families.

 

Boys and Girls Clubs of America

Supported by the Windermere Foundation across our network, the Boys and Girls Clubs of America enables young people in need to reach their full potential. During the pandemic, the organization has partnered with local clubs to develop a national strategy to serve their local communities.

 

YMCA

Present in neighborhoods throughout our footprint and more than 10,000 communities nationwide, the YMCA is committed to helping communities to learn, grow and thrive, while empowering youth to reach their full potential. The Y has stepped up their emergency food services programs to address increased community need.

 

Beyond the organizations highlighted here, the Windermere Foundation also supports YouthCare (Seattle, WA), Bridge Meadows (Portland, OR), and the North East Youth Center (Spokane, WA), all dedicated to serving youth in their communities. For more information on how you can support homeless youth in your community, talk to your Windermere agent about what organizations are being supported locally.

 

To find out more about the Windermere Foundation or to make a donation, please visit windermerefoundation.com.

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A Little Perspective

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House

Here’s a little perspective on the inventory of homes for sale in today’s market…

First we’ll look at Metro Denver:

  • The average number of residential listings for sale at this time of year is 15,577
  • The highest-ever for this time of year is 29,722 which occurred in 2006
  • The number of listings right now is 4,821
  • So, inventory in Metro Denver is roughly one-third of the average and 25,000 fewer than the highest-ever.
  • DMAR is the source of the stats listed above

 

Now, Northern Colorado:

  • Larimer County has 802 active listings today
  • Based on 10 years of data, this is the lowest it has ever been
  • The high in Larimer County occurred in 2010 with 2608 listings so today’s inventory is one-third of what it was 10 years ago.
  • Inventory today in Weld County is 727 which isn’t the lowest-ever.
  • The lowest during the last 10 years was 2017.

The highest was 2010 with 1791 properties so today there are roughly 1,000 fewer properties to choose from.

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Updated Townhome!

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How about this for an awesome opportunity! 2130 Stetson Creek Drive Unit C, has a remodeled kitchen with modern touches, vaulted ceilings and open flow to the floorplan with wood floors on the main level. Basement has been finished for extra living space, and an attached two-car garage make this southeast Fort Collins townhome perfect for you. ALL NEW HVAC systems, well maintained, and ready for you to move in! Contact Paul Hunter at (970) 673-7285 for your private showing for more information or click the link below for more details.

http://windermerenoco.com/listing/119726764

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A Guide to VA Loans

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Military

Image source: Shutterstock

VA loans provide a path toward homeownership for active service and veteran personnel and their families. The following serves as a guide to understanding what they are, who they are available to, and what types of loans are available to them.

VA loans can be confusing, so talk with your Windermere agent as you prepare to discuss your options with your lender. “Even people in the military have misconceptions about (VA loans),” said Windermere agent and Veteran Gervon Simon in a recent episode of our “Ask An Agent” series.

 

What are VA Loans?

The VA loan program was established by the United States Department of Veterans Affairs (VA) to help active service members, veterans, and surviving spouses become homeowners. VA loans are backed by the federal government yet provided by private lenders such as banks and mortgage companies. VA loans can be used to buy, build, or improve a home, or to refinance a current home loan.

 

How do VA Loans work?

VA loans have appealing characteristics for homeowners including lower-than-average mortgage rates, zero down payment on the purchase price, no-prepayment penalties, limited closing costs, and no Private Mortgage Insurance (PMI). They are typically easier to qualify for than standard home loans. With VA-backed loans, they guarantee a portion of the loan from a private lender. This means less risk for the lender, often resulting in more favorable terms for the homeowner. You do not have to be a first-time homebuyer to receive a VA loan. VA loan limits vary by county, so be sure to work with your Windermere agent to determine the limit in your area.

 

Which loans are available?

 

Purchase Loan

  • VA-backed purchase loans may be used to buy a single-family home, condo, manufactured home, or land. They also may be used to make energy-efficient changes to your home. Additionally, you can use a purchase loan to build a new home.
  • They offer no down payment, as long as the home’s sales price does not exceed its appraised value.
  • There is no need for PMI or mortgage insurance premiums (MIP).

 

Native American Direct Loan (NADL)

  • For Veterans who are either Native American or have a Native American spouse, the NADL can help to buy, build, or improve a home on federal trust land.
  • Beyond basic requirements of eligibility and credit standards, to be considered for the loan your tribal government must have an agreement—or Memorandum of Understanding (MOU)—with the VA. For more information on MOUs, visit this page: MOU Info

 

Interest Rate Reduction Refinance Loan (IRRRL)

  • The IRRRL is a refinancing tool for those with VA-backed home loans that are looking to reduce their monthly mortgage payments.
  • The IRRRL replaces a current loan, giving homeowners the ability to stabilize their repayment plans.
  • A VA funding fee may be required. Loan interest and closing fees will be charged by your lender but including these costs in your IRRRL will help you avoid paying the costs upfront.

 

Cash-out refinance loan:

  • The cash-out refinance loan allows homeowners to take cash out of their home equity or refinance a non-VA loan into a VA-backed loan.
  • In addition to your Certificate of Eligibility (COE), you’ll need to provide additional federal income tax information to your lender.
  • A home appraisal will be ordered by your lender. Similar to an IRRRL, a VA funding fee may be charged at closing. Follow their closing process and pay all closing costs.

 

For more information on the different types of VA Loans, eligibility, and more, visit the Veterans Affairs website here: VA Loans

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