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Jeannine (J'9) Maxwell
970-689-4824
j9@j9soldmine.com
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Jeannine (J'9) Maxwell
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970-689-4824
j9@j9soldmine.com
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Jeannine (J'9) Maxwell, Loveland Office





"Ethical, Knowledgeable, Friendly, Available, Energetic" are just some of the words that my past clients have used to describe me. I'm a Colorado Native, and have been helping people buy and sell homes since 2000. First time Buyer? Yay! Retiring and downsizing? Great. Looking for an investment Opportunity? Can't WAIT to help! Regardless of your Real Estate need, I'm here to help. I TRULY love what I do and I look forward to the opportunity to work with you!!!



Jeannine (J'9) Maxwell
970-689-4824

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In This Issue:



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What's Your Home Worth?



Jeannine (J'9) Maxwell
970-689-4824


April 2015
Real estate trends to watch for 2015
As the real estate market heats up in the spring, it's pretty typical to see more homes come on the market for the busy spring and summer seasons. In addition to more available inventory, there are a few other things we can expenct to see this year. This article, from Fiscal Times outlines the 9 trends we can expect from this year's real estate market. Another big factor, for Colorado in particular, we can expect is to see prices continue to increase. A recent report from CoreLogic's Home price index found that home prices in Colorado have risen 9.8% year over year -- the highest increase amongst all 50 states. Read the full articles online for more trends to expect for 2015.
Read the full Fiscal Times article
Read the CoreLogic report on Realtor Mag
Back to Top
Allergy proof your home
The weather is getting warmer and summer is just around the corner! The grass is getting greener each day and flowers are blooming! Sounds like an appealing landscape, right? While spring is a beautiful time of the year, it can also be a horrendous time of year if you suffer from allergies. Due to Colorado's particular altitude, location, and weather patterns, there are many different triggers inside & outside that can lead to some pretty woeful allergies around this time of year. The good news is there are several things you can do to control some of those triggers -- particularly in your home. Pollens, dirt, and dust all collect and accumulate easily in your home, and if not properly managed can lead to constant allergy struggles. In this article here, BobVila.com outlines seven things you can do to reduce the allergy triggers inside your home.
Read the full article on BobVila.com
Back to Top
Northern Colorado Economic Snapshot
Units Listed - Single Family & Attached Dwelling
Area Feb/'15 Feb/'14 % Change
Fort Collins 590 788 -33.6%
Greeley 371 309 16.7%
Loveland 382 406 -6.3%
Totals 1,343 1,503 -11.9%
YTD* Units Sold - Single Family & Attached Dwelling
Area 2015 2014 % Change
Fort Collins 435 383 12%
Greeley 245 236 3.7%
Loveland 249 209 16.1%
Totals 929 828 10.9%
Source: Ires, LLC | *YTD represents through the month of February
We’re into the fourth year of a relatively stable real estate market across the Boulder Valley, Northern Colorado, and the Metro Denver area. Available inventory of homes continues to be an issue for many prospective home buyers, resulting in multiple offers for well-priced properties and timely sales for sellers.

Northern Colorado sales activity is somewhat comparable to last year through February. There have been 582 single family homes sold thus far this year compared to 564 last year; 152 attached units sold this year compared to 136 attached units last year. Available inventory levels are down slightly compared to last year for single family homes and attached units as we make our way through March.

As the national economy improves, the Federal Reserve has indicated they “may” raise the federal funds rate beginning in June/2015. The federal funds rate in the interest rate at which a depository institution lends funds maintained at the Federal Reserve to another depository institution overnight. The higher the federal funds rate, the more expensive it is to borrow money. Mortgage interest rates are dictated mostly by market movements, but the Federal Reserve can have a huge influence on rates. Even though the federal funds rate is not tied to mortgage rates, it affects them indirectly because it impacts lenders’ borrowing costs.

The Federal Reserve’s economic projections also influence mortgage rates, as they affect investors’ sentiments. A gloomy economic outlook usually means lower mortgage rates. Signs of a stronger economy often result in higher mortgage rates. The federal funds rate has remained close to zero since January/2009. In the early 1980’s, when the local and national real estate markets were experiencing troubling times, the federal funds rate was close to 20%, making lending almost impossible. Those were the days when buyers would assume an existing FHA or VA non-qualifying loan and the seller would carry back a portion of the home’s equity in order to get the property sold.

Mortgage interest rates have vacillated between 3.50% and 4.35% for the past three years for the traditional thirty-year fixed rate loan. Lenders are held to a higher standard these days in qualifying buyers and processing loans. This is the direct result of fraudulent and suspect lending practices by some lenders that led to the escalation in the number of bank foreclosures and short sales between 2006 and 2011, when the real estate market bottomed out.

Home values, driven by scarcity and new home construction, continue to increase. Through February/2014 the average sales price of a single family home in Northern Colorado was $260,326. Through February/2015 that number was $291,884 – an increase of 12.12%. With long term mortgage interest rates still reasonable and no end in sight for reduced inventory, expect buyer demand to continue to drive home values up.

Spring is traditionally the time of year when the area real estate market begins to heat up. Look for the same to happen this year, with rental properties at a premium.





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Jeannine (J'9) Maxwell 
Contact Info:
Direct Office: 970-689-4824
Email: j9@j9soldmine.com
 
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