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        <title>Colorado Homes and Mortgage</title>
        <link>http://www.coloradohomesiq.com/blog/louisville/</link>
        <description>Colorado Homes IQ Blog is where you will find information about real estate market, homes for sale, Colorado houses,events, open houses in Colorado, real estate market news about your City and Neighborhoods in Colorado</description>
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            <guid>http://www.coloradohomesiq.com/blog/looking-for-some-family-fun-in-lafayette.html</guid>
            <link>http://www.coloradohomesiq.com/blog/looking-for-some-family-fun-in-lafayette.html</link>
            <author>malia.maunakea@gmail.com (Malia Maunakea)</author>
            <title>Looking for some family fun in Lafayette?</title>
            <description> <![CDATA[ 
Check out Isabelle Farm Family Day for some awesome food, music, hayrides and activites for the whole family! Tomorrow (Saturday the 15th) from 11am-3pm . For more information, click here: http://www.regonline.com/builder/site/Default.aspx?EventID=1116163#familyfarmday2012


For more information on homes in the Lafayette / Louisville area, feel free to contact me at (720) 254-3590, or malia.maunakea@gmail.com.


Malia MaunakeaBroker AssociateRE/MAX Alliance - Louisville(720) 254-3590malia.maunakea@gmail.com
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            <pubDate>Fri, 14 Sep 2012 13:28:00 -0600</pubDate>
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            <guid>http://www.coloradohomesiq.com/blog/louisvilles-first-brewery-opening-this-weekend.html</guid>
            <link>http://www.coloradohomesiq.com/blog/louisvilles-first-brewery-opening-this-weekend.html</link>
            <author>malia.maunakea@gmail.com (Malia Maunakea)</author>
            <title>Louisville's First Brewery Opening this Weekend!</title>
            <description> <![CDATA[ 
I blogged earlier in the year that Downtown Louisville was poised to have three breweries open by the end of summer. Great news! Gravity Brewing in Louisville is open! They will be open Thursday - Sunday of this week. Check out their Double IPA and Belgian Blonde. Belgian Wit and Strong Pale Ale are still on tap. Thurs: 6-9, Friday: 4-10, Saturday: 2-10, Sunday: 2-8. Feel free to visit their website to learn more about the company: http://thegravitybrewing.com


Do you know of someone interested in learning more about what Louisville has to offer? Have them contact me at malia.maunakea@gmail.com.


Malia Maunakea(720)254-3590Estey Realty Group



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            <pubDate>Tue, 21 Aug 2012 17:08:00 -0600</pubDate>
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            <guid>http://www.coloradohomesiq.com/blog/real-estate-market-conditions-in-colorados-front-range-august-2012.html</guid>
            <link>http://www.coloradohomesiq.com/blog/real-estate-market-conditions-in-colorados-front-range-august-2012.html</link>
            <author>malia.maunakea@gmail.com (Malia Maunakea)</author>
            <title>Real Estate Market Conditions in Colorado’s Front Range - August 2012</title>
            <description> <![CDATA[ 
The real estate story of 2012 in the Front Range continues to surround the lack of inventory and many buyers entering the market soaking up the limited quality homes on the market. This has led to several sellers we represented receiving a favorable price and terms on their homes but on the flip side it has created challenges for several buyers we have represented successfully and others that are still seeking a suitable home. This month I wanted to touch on some of the reasons why we have a lack of inventory in our market place. This is more anecdotal to what I am seeing in the field and in practice and not a data driven scientific study. As one of my clients this weekend said, residential real estate tends to be “more art than science.”


A few factors I see are:


1.” If I sell where do I go next??”  A number of my clients and would-be home sellers would like to sell and move to a different home (whether downsizing for empty nesters or growing families seeking more space.) The most common concern is that if we get their house under contract, there is little to no acceptable inventory currently available, and they may have to “settle” or face the unsavory possibility of renting short term and moving twice. I personally have a number of clients on the sidelines for this very reason and in talking with my colleagues they have the same issue.


2. “If I move I can’t get another loan!” The change in the mortgage markets has handcuffed a number of buyers from being able to purchase again or obtain enough purchasing power to justify making a move. In the glory days of the market (until 2008) obtaining a mortgage was very easy with the NINA (No income documentation / No asset documentation) known as “stated income” or “drug dealer” loans. While we can debate the pros and cons of these loans and the policy behind them, they made purchasing a home much easier for those that are self employed, derive a substantial amount of income from passive income, have complex tax returns with write offs, or have inconsistent income that can be tough to document (sales people earning commission and service workers dependent on tips). This is very challenging in the Boulder Valley with a number of folks that fit the self employed/entrepreneur and/or passive income profile not being able to obtain adequate financing (there are cases of very financially responsible individuals unable to qualify for a loan). The homeowners that fit this profile were able to get financed easily before 2008, are now faced with the prospect that if they sell their house they may be unable to obtain a new loan.


3. No equity / upside down – “If I move can I really move UP?” While the Front Range of Colorado has weathered the housing crisis better than most areas of the country, there are certainly pockets that have been hard hit and values have fallen substantially and home owners are under water and stuck (this receives lots of media attention). What does not receive as much press is the homeowner who may be in a stronger area but has not seen any substantial appreciation or only a very small loss in value, in essence they have “flat lined”. These homeowners also don’t have enough equity to move up after the cost of sale, etc. and they are also electing to stay put.  They aren’t “distressed” and may not show up in statistics but they are merely stuck.


4. Remodel – Another trend I have seen in recent years (post 2008) is that more and more home owners are electing to remodel or add on as opposed to selling and moving up. This is primarily driven by the three factors above, and coupled with the lack of inventory some owners feel the best way to get what they want is to add on or remodel.


5. “I’ll just rent it” – In some cases, sellers have chosen to rent their properties as they are unable to achieve the sales price they need and/or want in the market. With the combination of a strong rental market and cheap money, some owners are able to make their properties kick off positive cash flow while they hope for a further market recovery. I don’t generally advocate this approach for “accidental landlords” (non real estate investors) as selling a property with a tenant in place, as it generally does not achieve the best sale price since the tenant has no motivation to show the property. In addition there are the headaches of managing the tenant, and reconditioning the property for sale. Other  owners decide to stop trying to sell and rent it for a year or two before putting their property back on the market. These rentals have taken several homes out of the sales market.


6. “Shadow” Inventory Myth - In recent weeks, we had several discussions with clients and colleagues about the concept of “shadow” inventory (homes that have been repossessed by banks via foreclosure but have not been released for sale). The theory is banks are holding these homes back to maintain a tighter supply and support prices as opposed to flooding the market with foreclosed inventory. This concept has caught some national media and while I have no doubt there is some validity to this in several depressed markets I am not seeing this take hold in most of our market. I watch the public trustee sales every week and generally when a property is taken back by the bank I see it back on the market within a few months. Perhaps in Weld county and some other challenged areas this will have an impact but on most of Boulder County and central Denver I don’t see this trend as a primary root cause for our lack of inventory.


While all of these factors present some challenges, there are a number solutions and ways to work around them. Call me at 720-254-3590 if you are contemplating a move.


Malia MaunakeaEstey Realty GroupMalia@EsteyRealtyGroup.comwww.esteyrealtygroup.com
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            <pubDate>Thu, 16 Aug 2012 14:58:00 -0600</pubDate>
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            <guid>http://www.coloradohomesiq.com/blog/free-passes-to-ride-broomfield-louisville-route-prizes-for-taking-bus.html</guid>
            <link>http://www.coloradohomesiq.com/blog/free-passes-to-ride-broomfield-louisville-route-prizes-for-taking-bus.html</link>
            <author>Judy.Pfeifer7@yahoo.com (Judy Pfeifer)</author>
            <title>Free passes to ride Broomfield-Louisville route; prizes for taking bus</title>
            <description> <![CDATA[ 
36 Commuting Solutions is offering a complimentary bus pass for people to try the Regional Transportation District's Route 228 through Louisville and Broomfield.






The route travels from Garfield Avenue and South Boulder Road in Louisville to the Broomfield park-n-ride, with stops at the McCaslin park-n-ride and FlatIron Crossing mall.


Residents interested in receiving a free bus pass for Route 228 can e-mail info@36commutingsolutions.orgor call 303-604-4385.


36 Commuting Solutions, a nonprofit transportation group focusing the U.S. 36 corridor, also is sponsoring the 36 Prize Riders contest through Aug. 3. Commuters in the U.S. 36 corridor who travel by bus instead of in their own cars will be eligible to win an iPad 2, Kindle Fire or commuter bike every week. Participants need to visit 36commutingsolutions.orgto sign up and log their trips on one of nine U.S. 36 regional and express routes. Those routes are AB, BV/BX/BF/BMX, DD, DM, HX, L, S, T and 86X.


Audrey DeBarros, executive director of 36 Commuting Solutions, said the first run of the incentive program in 2011 pulled in nearly 600 participants and led to a reduction of 21,521 vehicle trips in the corridor and a savings of nearly 26,000 gallons of gas.


 




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            <pubDate>Tue, 07 Aug 2012 22:28:00 -0600</pubDate>
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            <guid>http://www.coloradohomesiq.com/blog/louisville-community-park.html</guid>
            <link>http://www.coloradohomesiq.com/blog/louisville-community-park.html</link>
            <author>malia.maunakea@gmail.com (Malia Maunakea)</author>
            <title>Louisville Community Park</title>
            <description> <![CDATA[ 
Louisville Community Park is located on the south end of Old Town Louisville. Built in 2006, it is the newest park in Louisville, and includes such features as a pop-fountain, dog park, bocce ball and horseshoe court, basketball court, pavillion, ponds, and even a small dirt bike loop for beginners. During the summer, there are free Thursday night concerts held at the outdoor stage.


The Bella Vista subdivision directly to the west of this park is comprised primarily of ranch homes with basements. Their prices range from the low to mid $300,000s. To the north of the park is Old Town with its ecclectic mix ranging in styles from historic bungalows in the high $200,000s to brand new two-story homes at $600,000 and up. To the south west of the park is the Dutch Creek neighborhood. Homes here are tri-levels, bi-levels and ranch styles, typically 1100-1700 sq ft in size, ranging in price from the mid $200,000s to low $300,000s. 


For more information on homes in Louisville, or to find out what your home is worth, please feel free to shoot me an e-mail or give me a call. I'm always happy to help, and never to busy for any of your referrals!


Malia MaunakeaEstey Realty Group(720) 254-3590malia@esteyrealtygroup.com
 ]]> </description>
            <pubDate>Thu, 02 Aug 2012 14:14:00 -0600</pubDate>
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            <guid>http://www.coloradohomesiq.com/blog/louisville-is-recognized-as-best-town-for-families-again.html</guid>
            <link>http://www.coloradohomesiq.com/blog/louisville-is-recognized-as-best-town-for-families-again.html</link>
            <author>malia.maunakea@gmail.com (Malia Maunakea)</author>
            <title>Louisville is recognized as Best Town for Families (again)!</title>
            <description> <![CDATA[ 
The magazine Family Circle has listed Louisville as one of the top 10 towns for families. The magazine "assessed which places best met our family-friendly criteria -- including affordable homes, quality schools, access to healthcare, green space, low crime rate and financial stability -- and ranked them from top to bottom."  In the past, Louisville has ranked at the top of Money Magazine's "America's Best Places to Live" list. With these national accolades, Louisville is becoming quite the relocation hot spot for families moving to Colorado. If you would like to learn more about this fantastic little town, and the real estate in it, feel free to contact me.


Malia MaunakeaEstey Realty Group720-254-3590malia@esteyrealtygroup.com
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            <pubDate>Mon, 16 Jul 2012 12:50:00 -0600</pubDate>
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            <guid>http://www.coloradohomesiq.com/blog/enjoy-colorado-this-weekend-in-honor-of-get-outdoors-day.html</guid>
            <link>http://www.coloradohomesiq.com/blog/enjoy-colorado-this-weekend-in-honor-of-get-outdoors-day.html</link>
            <author>Judy.Pfeifer7@yahoo.com (Judy Pfeifer)</author>
            <title>Enjoy Colorado This Weekend In Honor Of Get Outdoors Day</title>
            <description> <![CDATA[ 
Enjoy a beautiful spring day in Colorado and take advantage of free entry* to all National Parks in honor of Get Outdoors Day this Saturday.  Head out to Rocky Mountain National Park, or Sand Dunes National Park and remind yourself why we are so privileged to be living in such an amazing place.


If you want to stick to the city this weekend, you can still enjoy the Get Outdoors Colorado event at Denver's City Park.  There will be rock climbing, kayaking, live music, dancing, fishing, canoeing, hula hooping and much more.  The event is free and promises to be a fun event for all ages.


*Fee waiver includes: entrance fees, commercial tour fees, and transportation entrance fees. Other fees such as reservation, camping, tours, concession and fees collected by third parties are not included unless stated otherwise.


Judith Pfeifer, Realtor  


Re/Max Momentum                     


(303) 908-9963  - Fax: (303) 380-2154


Oh by the way...I am here to help you, a friend, family member or co-worker with their real estate needs.
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            <pubDate>Wed, 06 Jun 2012 15:37:00 -0600</pubDate>
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            <guid>http://www.coloradohomesiq.com/blog/louisville-to-gain-3-brewerys.html</guid>
            <link>http://www.coloradohomesiq.com/blog/louisville-to-gain-3-brewerys.html</link>
            <author>malia.maunakea@gmail.com (Malia Maunakea)</author>
            <title>Louisville to Gain 3 Brewerys</title>
            <description> <![CDATA[ The downtown Louisville scene is about to grow again with the upcoming addition of three breweries, two of which are opening in late Spring 2012. Can the downtown area support three different breweries? The owners of the various establishments seem to think so. Click here for the full article. ]]> </description>
            <pubDate>Sat, 11 Feb 2012 11:12:55 -0700</pubDate>
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            <guid>http://www.coloradohomesiq.com/blog/first-friday-art-walk-louisville.html</guid>
            <link>http://www.coloradohomesiq.com/blog/first-friday-art-walk-louisville.html</link>
            <author>malia.maunakea@gmail.com (Malia Maunakea)</author>
            <title>First Friday Art Walk - Louisville</title>
            <description> <![CDATA[ 
The historic downtown of Louisville hosts an art walk on the first Friday of every month. Today, Creations Gallery will hold a gala opening and evening reception for award winning pasted artist Colleen Hoermer, among sixty Colorado artists showing at the gallery. Creations features new artists almost every month. At the Art Underground, new work by Anthony Grant will be featured at an opening reception. The Creative Framing Art Gallery will be featuring artists Frederic Bender and Donna Flebbe at an evening reception. Also, just in time for First Friday, Coppersmith Angela Facciotti opens the doors to her new LA Coppersmith Gallery and hosts artists Melissa France, Mark Heath, Bruce Shaver, Tony Finocchio, and Ashley Honeyman. Come get to know our newest downtown residents and enjoy food and drink! The function runs from 4:00pm-8:00pm, with the different galleries opening at different times (LA Coppersmith Gallery opens at 4:00pm).  
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            <pubDate>Fri, 03 Feb 2012 07:45:00 -0700</pubDate>
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            <guid>http://www.coloradohomesiq.com/blog/a-day-of-free-dental-care-for-children-in-louisville.html</guid>
            <link>http://www.coloradohomesiq.com/blog/a-day-of-free-dental-care-for-children-in-louisville.html</link>
            <author>malia.maunakea@gmail.com (Malia Maunakea)</author>
            <title>A Day of Free Dental Care for Children in Louisville</title>
            <description> <![CDATA[ Dental Aid typically provides affordable dental care for low-income and uninsured families. On February 3, 2011, they will be offering uninsured children (ages 0-20) free oral health care. These services will be provided at their three offices in Boulder, Louisville and Longmont. For more information on how to schedule an appointment, click here. ]]> </description>
            <pubDate>Thu, 26 Jan 2012 13:47:26 -0700</pubDate>
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