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Home Buying in Larimer County : Real Estate Advice

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  • Local Info1
  • Home Buying2
  • Home Selling0
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Activity 127
Tue Nov 14, 2017
Frank S. answered:
Hello Kathleenherring198225, yes you may consider FHA 3.5% down FHA from a minimum 580 fico score and 3% down conventional from a minimum 620 fico score. Since all lenders go by the middle score of all three bureaus there are other unknown scores. If you have lower scores between 500-579 you may consider 10% down FHA.

Your scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

You will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms, baths and the maximum payment/price you are considering you can be emailed listings to fit your criteria.

The purchase in Fort Collins start from 275k for 2bd 1ba single family home. The condos start from 189k for 2bd 1ba and the 55+ community homes start from 141 for 2bd 1ba. Check out the web reference below...
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Thu Oct 26, 2017
Angelica P answered:

We have unsubscribed your Trulia profile as you requested.

Thank you for using Trulia,
Consumer Care
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Wed Feb 22, 2017
Hello, I'm a mortgage professional.

I work with a lot of people that work in unions. Through their union they can sometimes work as a w-2 employee for multiple contractors throughout the year. Your situation sounds similar.

Since your hourly what we would do is gather your last two years w-2s, the two income gets averaged out over two years. We would also get a work verification form filled out so we can adjust for your currently hourly pay rate.

Either way what you described does not sound like an issue.

I can lend nationwide and I'm available almost 24/7.

I have a lot of programs available.

If you want help with this or you have any questions you are welcome to contact me.
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Mon Jan 23, 2017
Sally Grenier answered:
Hi there, the best way to search for homes is NOT on this site, or others like Zillow or even These sites have a ton of bugs, not to mention the fact that the listings are terribly outdated. Most of the time the listings you see are already under contract, or sold weeks ago.

I'm based out of Boulder County, but I help clients all up and down the front range. If you don't have a Realtor yet, I'd be happy to help. I belong to both local MLSs which are going to have the most accurate, updated listings. Let me know how I can help!

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Thu Nov 3, 2016
Stuck395 answered:
Let me explain why I think building should be cheaper... For those of you who already own a house you are lucky and have made a lot of money on your investment, however for 1st time buyers like me it is very hard. With the average price of a home in the Loveland area being over $300,000 it is almost impossible for a single person to own a home, and I'm not marrying the wrong person just to own a home. I have been approved for a house however doing a search on there are only 2 houses in Loveland I can afford, one needs so much structural work the bank would never approve a loan. The other is only 650 square ft. I am wondering if I should just buy land and put a camper on it for now while I can slowly build a house. I have a degree in Architectural CADD and could do at least the framing plans myself, not the electrical or plumbing though. I have also framed houses before, not sure if you need a license to do that. I would also be willing to do all the drywall, painting, flooring, landscaping, setting doors and windows myself. I have done all of this before at different construction jobs I've had. With that being said what does anyone recommend I do? What do I need to do to get an accurate estimate? ... more
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Wed Nov 2, 2016
Craig S. asked:
Fri Jul 29, 2016
Sally Grenier answered:
This is not the best website to be getting listings for sale. These sites are just a marketing database and the listings are notoriously old and outdated. And since we're in such a hot seller's market here in most of Colorado, many of the listings you see here are already under contract or sold weeks or months ago.

Why not contact a local REALTOR who can set you up for a search in the local MLS?
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Fri May 6, 2016 asked:
We are in a "buyer agency contract" with an agent. We tried to terminate it a month ago due to issues we were having with her performance. She refused to terminate. Here we are…
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Mon Apr 25, 2016
Tom answered:
A mobile home (now referred to as "manufactured housing" is built to federal HUD code. A modular home is built to the same local codes as a stick built home. To answer your question, I'd say a mobile home may be more like buying a car, but a modular home is not. ... more
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Sun Feb 21, 2016
Sally Grenier answered:
Trulia isn't the best website and they've been having lots of bugs. You may have better luck using other sites. FYI -- these sites (Trullia, Zillow,, etc.) are just marketing sites and do not replace the MLS. The listings you see here are very outdated and don't have the most accurate info. Especially here in CO, the listings you see on these sites are usually under contract. (most homes are selling within a few days or a week of going into the MLS).

Your BEST source of info is going to be your REALTOR who can give you access to the MLS. Try

Or you can sign up for free on my website (which pulls listings directly from both MLSs)

If you're not working with anyone yet, I'd be happy to help! I'm based out of Longmont, but I've helped clients all over northern CO including Loveland, Berthoud, Foco, Greeley, Windsor, Johnstown, etc.

Good luck!


Sally Grenier
Broker Owner
Metro Brokers | Grenier Real Estate
303.475.4508 Cell
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Thu Jan 7, 2016
That is true, I offer several program like that and would be more than happy to go over your options with you. Feel free to reach out to me.
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Wed Dec 30, 2015
I suggest changing lenders the builder is correct. Yes a certificate of occupancy is required per guidelines however that is typically a form you complete at closing. The certificate has absolutely nothing to do with an appraisal seeing as the only reason they would need to know if its owner occupied or a rental is so they can list projected rental income for the home for the lender to use in qualifying you for the loan. Plus even if somehow I missed that update and it is now required they wouldn't not schedule and complete the appraisal the appraiser just wouldn't release the appraisal until they have that form. I would be more than happy to assist you with this if you are interested feel free to reach out to me. ... more
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Mon Nov 23, 2015
I sorry to hear that you went through all that and glad to see you a re doing better. I would love to assist you in getting approved for a home loan. The only thing is we cannot roll items such at tvs, couches, beds, etc into a 203k loan. A 203k loan is for renovations and appliances and noting more since the items for the 203k funds must add value to the home which personal household items will not. Feel free to reach out to me when you have some time i think we may be able to help you and even get you some free furniture. ... more
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Tue Jul 14, 2015
Sally Grenier answered:
Try calling their 800#?? I doubt any agents here on the Q&A section can help you. Good luck.
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Sun Jun 14, 2015
Andy & Candy Burnett answered:
I've heard noting but good things about Windsor from friends that live there.

It is a growing city that still has that small town charm & feel. It is positioned perfectly next to I-25 for those that may need to commute for work. Drive around, talk to some of the locals and ask the same question you just asked above....the best way to get input is straight from the horses mouth!

Best of Luck & let me know if I can help.

Andy Burnett
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Fri Jun 5, 2015
Julie DeWitt answered:
Hi, are you still looking for your new home? I have a great buyer's program I'd love to share with you.
Best of luck.
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