Northern Colorado Real Estate Blog

Here we publish relevant information for both buyers and sellers in real estate. Check back often, as we are constantly updating this blog with new information.

April 4, 2018

Mosaic - Fort Collins' Newest Master Planned Community

Located near Old Town, Mosaic is Fort Collins’ newest community offering a unique collection of architecture, amenities and conveniences.

The word “mosaic” is the technique of combining unique, even juxtaposed, elements into a cohesive compilation. Like its name, Mosaic is a community that provides for individual uniqueness in the context of a community. It is Where Life Comes Together through a collection of distinct, but unifying, architecture, amenities and conveniences.

Nestled in northern Colorado’s hub, Mosaic combines the best of urban living and a master-planned new-home community. Located in Fort Collins, which features a historic downtown, delectable local dining and unique cultural offerings, this community will provide a variety of new paired and single-family homes in addition to a pool and plentiful open space.

Construction has begun and families are already moving in. With a build-out plan of 5 years, some of the amenities planned won't go in until later, but this is what the community will include:

  • 20 acre City Park & Open Space
  • 2 Pools
  • Miles of trails and paths
  • Neighborhood Map

Come check out Fort Collins' newest master planned community and find your new home!

July 31, 2017

3350 Paddy Lane - An Entertainer's Paradise!

An Entertainers Paradise - 3350 Paddy Lane, Loveland, CO from James Hagerman - REALTOR® on Vimeo.

Call James at (970) 999-2816 or Todd at (970) 391-1197 – This stunning home is an entertainer’s paradise! Packed with luxury features throughout. Inside, enjoy the gourmet eat-in kitchen with granite counter tops on knotty alder cabinets, new gas range and stainless appliances all on knotty alder floors. The huge main floor master suite includes a 5-piece master bath with a steam shower and oversized walk-in closet; The house has 5 stone fireplaces, wood beam accents, skip troweled texture, a home theater, wet bar, and a personal sauna. The split six-car heated garage has room for your collector cars and access to 3 of the bays via 12-ft overhead doors. One bay even includes a car lift! The outdoor living space is second to none and serves as a seclude outdoor retreat or an event epicenter with a large wet bar with seating for 8, a built-in gas grill, bar fridge and outdoor kitchen. Sleep soundly knowing you are surrounded by 15.5” concrete exterior walls covered by a concrete tile roof and protected inside by a fire sprinkler/suppression system. All of this overlooks a 1/2 acre private pond with a waterfall and two fountains! Send out the invites because it’s going to be a party!



June 17, 2017

1667 Greenstone Trail - A Hidden Gem in Southeast Fort Collins

1667 Greenstone Trail - Custom Home in Fort Collins from James Hagerman - REALTOR® on Vimeo.

Call James Hagerman at (970) 999-2816 for your private showing of this beautiful property - This rare find in southeast Fort Collins is situated on 1.3 acres in the beautiful Greenstone Subdivision. This Brick and Stucco home has 5 bedrooms, 6 baths, an updated kitchen and a fully finished basement with wet bar. With an attached insulated and heated 4-car garage and a detached insulated and heated 31'x30' shop, there is plenty of room to store your toys or car collection. The outdoor living space is perfect for entertaining or just relaxing while you watch the sunset. The large yard would be perfect for a family with children or pets that need some room to play. This is also one of the few properties in this neighborhood that allows horses. Come check it out today!

Posted in Featured
Feb. 2, 2017

The Top 10 Things You Need To Know Before Purchasing Your New Home

Here are the top 10 things you need to know before you purchase your new home (in David Letterman/The Late Show fashion!)

10. I Want That One!

One of the absolute favorite part of MOST Real Estate Agent’s jobs is helping you find ‘the one’. Watching your face light up as we pull up to the home that may soon become yours is nothing short of miracle magic and it will forever remain the mantra of ‘The Realtor’. Finding ‘the one’. Understanding your wants and needs even before financing will prove to be crucial step in this process so if you haven’t, write those things down! If you’re really not sure how to start, simply ask yourself: “Why do I want a new home? What is my motivation?” “Where will I want to live?” “When do I want to relocate?” Gaining an understanding for these questions can dramatically help the person (your Realtor) navigate you through the home-buying process.

9. What You Want vs. What You Can Get:

There is always that desire for more in ones’ life and then there is the simple desire for a minimal something. Both of these attributes exist in the homeowner. Then, you have the financing company that really gets the final say on whether you get to move in to that dream vision of yours. Gaining and understanding for your purchasing power is one of the most crucial first steps to home-ownership. If you are thinking it is your time to purchase a new home your very first stop will be to the lender’s office to determine what type of loan you qualify for and how much the banking institution is willing to loan you. Not sure who your lender might be? Not a problem. We can help determine the best financing company for you to use based on your needs.

8. The Emotional Roller Coaster:

Buying a new home can be all sorts of things and it more than likely will be. Happiness. Sadness. Anger. Anxiety. Remorse. These can and more than likely WILL be emotions we go through on this journey. There is so much at play here that understanding this process is 100% necessary to move forward effectively. There will be times when we will be happy. (We found the home) There will times when we could be sad. (The home we just fell in love with already sold just after we decided it was ‘the one’) Anger (Refer to  ‘Sadness’ J) Remorse (you will more than likely question every single step of this process wondering if you’re making the right decision or if this is really something you should be doing right now) Learning that these emotions are ok and learning how to handle them will further help prepare you for them as we near them. I’ve personally gone through these with a number of clients. As long as we UNDERSTAND what it is that we want and we remain in this process together, with trust, we will prevail. Once you’ve been approved and we’ve located the home you wish to make your own we then begin the offer process. Once we’ve submitted an offer, a couple of things are possible.

  1. Your offer is accepted and we dive into the next steps of the process.
  2. Our offer is not accepted but a counter offer is given. We then get to make a decision based on your wants and need on how to proceed.
  3. The offer is placed when there are multiple offers already available to the seller. This places us in what we call a ‘bidding war’ with multiple agents and or families.

There are other scenarios based on what type of home we are looking at but the above listed are the most common. Given that we currently sit in what’s called a “seller’s market” the local inventory is not on the shelf for very long and if so we are more likely to experience a multiple offer situation. Having someone available that you trust and contains a LARGE knowledge of the Real Estate process is crucial as to protect your best interest!

7. You’ve Got A Deal!

Once we’ve successfully negotiated your purchase you will enter the contracting phase of selling process. This is a simple yet complicated portion of your home-buying process as these are the specific terms of your home purchase. Most Real Estate companies carry what is call ‘Errors & Omissions Insurance’ to protect everyone involved in the transaction should there be any mistakes. Walking into this phase of your home-purchasing process without the proper knowledge of the legal aspects of this process could cost you must more than a small commission check. Any deposit that is required to purchase your home (will be determined by the lending institution) will be placed into a special trust account as determined by your contract.

6. Is It Really Worth That Much?

You’ve been approved to by a new home. You’ve located the home of your dreams. We’ve ridden the roller coaster putting in an offer and fighting on your behalf to get you the greatest deal. We’ve submitted ALL the necessary paperwork to contract your new purchase. NOW, we place our trust into the appraiser’s hands as he confirms how much the said property is worth. There is a lot at play here and not every appraiser is the same. The appraiser’s job is to make sure that what we’ve contracted your home at is really what the value is. If for some reason the numbers don’t match or aren’t close, there are number of scenarios that could take place and sometimes even the loss of a contract on the home you love. Partnering with the right people through this process is instrumental and is not something to take lightly.

5. Yes, But Will You Fix It?

Would you like a Home Inspection with that? YES!

Part of the home-buying process is inspections. We want to make sure (the LENDER definitely wants to make sure) that the home you are about to purchase is what it was explained to be and any major problems are either fixed or the very least pointed out and disclosed. This gives us options. In many cases if you are working with the right agent it can be negotiated on your behalf that these things need to be fixed BEFORE your purchase is finalized. This is a fine line and there have been many deals that fall apart from the buyer and the seller coming to disagreements about who should fix what. Understand that the right Real Estate agent will fight on your behalf but will properly advise you when enough may be enough and it’s time to move forward or move on.

4.Home Insurance, Title Insurance, Home Warranties OH MY!

Make sure you have partnered yourself with a Real Estate company that prides itself on quality and customer service. Ensure that those that you do business with are doing business with like minds and you want to ensure that they are working with the best. Your agent is going to have preferred partners to work with that will help you navigate through the world of options and paperwork. Once you’ve completed the home-buying process to this point it will be time to make sure that you and this process are protected to the “nth” degree. Make sure that your preferred partners are trusted and reliable. If you build a trustful relationship with your Real Estate Agent, rest assured they have done the same with some quality folks who have your best interest on the forefront of their business model.

3. Closing?! Did Someone Say Closing?!?!

We. Are. Almost. There. Once we’ve weathered the former steps we’re very nearly home free. From this moment on its more confirming what has been put in motion. We will get closing confirmations. Dates, Cost, Etc. In most cases your file will be reviewed by an attorney who will confirm that your Title Insurance is good and your Homeowners Insurance is will be put in place. Once we’ve confirmed these policies and figures we will determine WHEN and WHERE we will close on your new home! We will know exactly what our final settlement amounts are and exactly how much your closing cost will be. Then, we wait very anxiously/patiently for closing day ensuring EVERYTHING that was in place still remains and for the day to arrive that we sign your paperwork and hand over the keys to YOUR brand new home! Some call these step ‘the Final Walkthrough’.

2. Welcome Home

I think is pretty self-explanatory. This is the part of the process that is the essence of bliss in the middle of sometimes such beautiful chaos. We’ve been through it all together at this point and now it’s time. We pull up to closing destination. We place our final signatures on our final paperwork. We get the keys and we go to your brand new home. We pull up and experience one of the more magical things about this process. The smile, the look, the reason we got into this business to begin with. You’re now officially a homeowner. Or in some cases a NEW homeowner! J

1.The Most Important Part

There is a lot of navigation through this wonderful process. It is often said that nothing worth having comes easy. And nothing that comes easy is worth having.

The home-buying process is by no means easy. That being said, it’s the guide you choose, to navigate you through the tough terrain, to keep calm during the storm. It’s that person that will make or break this process for you. When you’re looking into purchasing a home, next to finding  the perfect home, the most important part will locating the perfect Realtor. As I finish writing this for you I want you to know that nobody is perfect. No process goes on without its hiccups. It is my mission and the mission of my team to serve you perfectly. And we don’t waver from that promise. We don’t deter from that commitment. Knowing what to do is one thing. Knowing what not to do can change everything. When you’re choosing a Real Estate agent, make sure and choose one you can trust as much as your new home.

Jan. 29, 2017

475 Newell Dr - Rustic Colorado Mountain Home on 10 Acres

Call James at (970) 999-2816 for your private showing – This rustic Colorado mountain home sits at the end of a private road on 10 acres. This is Colorado Mountain Living at its finest & yet only 25 minutes from downtown Loveland. Sitting nearly atop a mountain, you can enjoy breathtaking panoramic views to the west of the mountains and Pinewood Reservoir below. Watch the sunset or view the abundant wildlife from either of the two large composite decks. Heat the whole house with the wood burning stove or enjoy the no-maintenance radiant heat. The kitchen has been upgraded with granite countertops on custom made Hickory cabinets. This property is one of only two in the area with a well! There is also a separate 12’x24’ guest cabin on the property that comes fully furnished. Welcome Home!


Jan. 29, 2017

4 bedroom 3 bathroom Fort Collins home for sale in Ridgewood Hills


Call James for your private showing at (970) 999-2816 - This updated home in Ridgewood Hills has a new roof, a new furnace, new carpet, new Pergo flooring, new stainless appliances, upgraded Corian counter tops, upgraded light fixtures, upgraded plumbing fixtures, and new interior paint! With 4 beds/3 baths and a study/office that could be used as a 5th bedroom, you’ll have plenty of room. if you need more space you could finish the full walk-out basement. This beautiful Fort Collins home for sale is on a larger cul-de-sac lot at the end of a quiet street with mature landscaping and a large deck to enjoy the evening sunsets. The views from the deck are incredible. Don't forget the hot tub that is fully functional and included.


Jan. 29, 2017

New Custom Luxury Home in Eagle Ranch Estates for sale in Fort Collins

Call James at (970) 999-2816 to set up your private showing - Stunning modern 2-story luxury home built by Tuscany Custom Homes situated on a beautiful estate lot in Eagle Ranch Estates. This home has 3 bedrooms, 4 bathrooms, an upstairs loft and bonus room, a formal dining room with butler’s pantry & spacious unfinished basement. The main floor master retreat features large 5 pc luxury bath with custom tile & finishes, and spacious dual closets. All bedrooms have their own private bath & walk-in closet. The gourmet kitchen includes top of the line appliances, a large island with prep sink and quartz countertops. The 2-story great room has a gas fireplace and 2 stories of windows. The 4-car garage has plenty of room for your vehicles and your toys. The back patio has a built-in grill and will be great for entertaining friends and family.

Feb. 18, 2016

Near 10-Month Lows on Mortgage Rates

Two months ago, when the Federal Reserve announced it was going to raise the benchmark rate, most of those watching expected mortgage rates to start inching higher. Instead, for the past month and a half, the average for the 30-year fixed-rate mortgage, the most popular home mortgage product, has fallen 36 basis points. It is now at the lowest level in 10 months.

Mortgage rates are closely tied to the movement of the 10-year Treasury Bond, and investors lately have been flooding the bond market, driving down yields, so rates on home loans have fallen.

According to data released Thursday by Freddie Mac, the 30-year fixed-rate average held steady at 3.65% with an average 0.5 point, same as it was a week ago. That same rate was 3.76% a year ago.

Nov. 20, 2015

Interest Rates Predicted to Climb!

If you follow the news, you most likely have heard that 70% of economists are predicting that interests rates will climb next month.

While no one but the Fed knows for certain what rates will do next month, there are some things you need to be aware of as you are shopping for a new home should the Fed decide to raise interest rates.

As a buyer, as I am sure you understand, a higher rate means two things: 1.) A higher payment on your mortgage or 2.) Less buying power. A 1% increase in interest rate means your monthly payment on a $300,000 mortgage would go up about $180. Or, it is equal to about $35,000 less in buying power. In other words, if today you qualify for a mortgage with a $1,500 monthly payment, you could borrow roughly $314,000. After a 1% increase in rate, the amount you would qualifying to borrow would drop to $279,000. That's a $35,000 difference! And in today's market, a $35,000 loss in buying power translates to a big difference in house.

With that said, it effects you as a seller as well. If a buyers borrowing power is reduced $35,000, that makes the number of buyers who can afford your house smaller. Less buyers means less chance you are going to get what you want in price for your house.

I don't write this to alarm you but rather keep you informed about the market and what it means to you as a buyer. If you have any questions about this or should you want to make a move now rather than later, I am here to help you. You can call me anytime at (970) 999-2816.

Nov. 9, 2015

Rent vs. Buy

Rent versus ownWith rising rents and lack of available rentals, you may be wondering if you could afford to buy. Well, let me show you how it looks.

If you were to pay $1,800.00 per month in rent, for example, and the average rental payment increase was 4.000%, you would pay $116,992.57 in a 5 year period toward rent. If you purchased a home and borrowed $250,000.00 with a 4.000% interest rate, and you paid $900.00 every year toward its maintenance, you would pay $101,320.63 in a 5 year period toward mortgage payments if your Federal tax rate is 26.000%, you pay $3,000.00 in taxes each year and your annual insurance rate is $1,500.00.

When you consider your tax benefits and the appreciation of your home, however, you will actually SAVE money by purchasing a home. If your home shows an annual appreciation of 5.000% and your selling cost is 6.000%, your house appreciation value will be $382,884.47. As a result, your total home purchase benefit will amount to $154,014.56.

Now, the question becomes who do you want to benefit from your monthly payment? You? Or your landlord?