Kevin Schumacher Team Real Estate Blog

Busting Real Estate Myths: You Need a 20% Down Payment to Puchase a Home

One of, if not the BIGGEST, misconception about real estate is that you must have a 20% down payment in order to purchase a home. We are here to tell you that is not the case. In fact, the Realtors Confidence Index from the National Association of Realtors just released that 61% of first-time homebuyers purchased their home with down payments below 6% in 2017. Just in March, 71% of first-time buyers and 54% of all buyers put less than 20% down!

How a Lack of Inventory Impacts the Housing Market

The housing crisis is finally in the rear-view mirror as the real estate market moves down the road to a complete recovery. Home values are up, home sales are up, and distressed sales (foreclosures and short sales) have fallen to their lowest points in years. The market will continue to strengthen in 2018.
However, there is one thing that may cause the industry to tap the brakes: a lack of housing inventory. Buyer demand naturally increases during the summer months, but supply is not keeping up.

Drafting the Right Team | What You Should Look for in Your Real Estate Agent

How do you select the members of your team who are going to help make your dream of owning a home a reality? What should you be looking for? How do you know if you’ve found the right agent or lender?

Native Colorado Plants and Trees for Gardening and Landscaping

With Colorado's fickle mother nature it can be difficult to grow and keep plants alive in the intermittent weather conditions. Here is a list of Colorado native wildflowers, shrubs and trees that you can use for your gardening and landscaping this coming spring!
Many of these plants will be available at local nurseries or are easy to buy seeds online. If you are new to our area or just looking for a way to connect with local Colorado gardeners and landscapers to ask specific questions there are events all around Northern Colorado that are focused on local gardening or you can ask your local nursery.
Information for native plants found through USDA Online Plants Database.

What is Causing the Housing Demand in Northern Colorado?

A common question that any agent comes across from buyers to our area is what are the causes for the housing market to boom in Northern Colorado?
There is not just one answer, nor one full suite answer, but a multitude of factors that are causing the increase in people moving to the Northern Colorado area.

How to 'pre' Pre-qualify Yourself for a Mortgage Loan

Our blog, "Purchasing a Home in Northern Colorado-From the Perspective of a Young Millennial," had such a great response that we wanted to do a follow-up with additional information that could be beneficial to entry-level home buyers in this fast-paced market.
As we had mentioned the first step in the process of determining if you are ready to buy a home is to look further into your finances and reach out to a lender to get pre-qualified.
If you are nervous about getting pre-qualified or what you may qualify for, we are going to walk you through the formula that lenders use to determine how much you can afford. You can use this information to determine what you may qualify for before reaching out to a lender.

Behind the Fort Collins Painted Painos

We have all seen the mysterious Fort Collins Pianos that appeared in 2010 and have since been a large part of the cities creative culture.
Pianos About Town started as a collaboration among the Bohemian Foundation, the Downtown Development Authority, the City of Fort Collins, local business owners, and community members to bring spontaneous music and local art to the streets of Fort Collins.

Purchasing a Home in Colorado | From the Perspective of a Millennial

My intention with this blog is not to sell you a home, but to give millennials a perspective from an individual, a peer, who has become educated to the industry and current market. It is not as scary as it seems. If you are at the point where you want to look into purchasing a home, please afford yourself the opportunity to at least get pre-qualified and talk with an agent because there are opportunities beyond what you think! You have nothing to lose and plenty to gain."

Smart Buying in a Sellers Market

The Colorado market has been deemed a seller’s market. This has buyers, especially new buyers, feeling as if they are out of luck to purchase a home in this fast-paced, HOT market!

New on Tap in NoCo | National Drink Beer Day

In the “Napa Valley” of beer there can be one sure thing – the beer will alwaysflow and the new varieties to come will surprise and delight! There are many Craft beer innovators right here in Northern Colorado and we have reached out to them to see what is new on tap as the autumn seasonal beers emerge.



© The Kevin Schumacher Team @ eXp Realty LLC. All Rights Reserved. Realty Licensed in the state of Colorado.


Kevin Schumacher Team
1635 Foxtrail Drive
Loveland, CO 80538
Phone: (720) 230-3030
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