5 Tips to Help Choose a Home Location in Denver, Colorado


There are many reasons people move, often it is because what their needs from their home and community have changed.  When considering a relocation (even if it is just to a new neighborhood) there are several factors to consider that will help narrow your search.  In this weeks video we discuss five tips to help guide choosing a new home location in Denver, Colorado:

(1) Budget

(2) Community

(3) Style of Home

(4) Driving commute time

(5) Schools


Your local real estate professional can be a great resource of information regarding neighborhood qualities and attributes!

Contact us today to start your Home Buying or Selling journey! – https://denverlivinghomes.com/contact…

Get a FREE Home valuation – https://denverlivinghomes.com/home-va…

Start your search for your dream Home! – http://search.denverlivinghomes.com/

The Nelson Team consists of three licensed Real Estate Agents, their full-time Executive Assistant / Transaction Coordinator and a Creative Marketing Specialist. They specialize in serving the Denver metro area with a proven track record of getting results quickly and a direct line of communication at all times.


Answering the Most Important COVID-19 Mortgage Questions


Information is coming at us fast and furious and changing by the day if not the hour. It’s difficult to know what is current, relevant and trustworthy which is why we have made it our goal to be a resource to you, our loyal clients and friends, during this time.  In our recent conversations we’ve had several people ask about the state of the mortgage industry amid the current global crisis.  On Thursday, April 16 we connected with our long time, trusted lending partner, Matthew Hibler of Cherry Creek Mortgage, to get you the answers you need. Tune in to this video to find out:

  • Exactly what is mortgage forebearance and why it really should be saved as a last resort.
  • How has the mortgage industry been impacted?
  • If lenders are still lending and are the low interest rates too good to be true?
  • Are jumbo loans still available and what about FHA/VA backed loans?

Lots of helpful information in here for current homeowners and those looking to make a move soon, so take a few minutes to get caught up on all things mortgage!

As always if you have any questions about your specific situation our team and Matthew are always available to chat with you.  Stay well, stay home and stay healthy!

What is Happening in the Denver Real Estate Market During COVID-19?


Hello everyone, we hope this message finds you safe, healthy and enjoying the nice weather we’ve had recently. We are writing to share with you our latest video update on the major points of the CARES Act and how it could help to ease some financial stress you might be feeling right now. We also give a quick update on the current Real Estate market and how our team is working safely to navigate the current environment.

 This video was filmed on April 2, 2020 and it already contains some dated information…..to comply with the Governor’s latest orders we are no longer conducting in-person showings for Buyers or Sellers, but do have a variety of virtual tools available to use if you are needing to search or sell sooner rather than later! We are still doing buyer and seller consultations virtually so we can get everything set and ready for when we are ready and able to get things moving we can do so quickly.  We look forward to returning our lives and business to some normalcy as soon as safely possible. In the meantime, we’re available to you virtually for any of your Real Estate needs!

As we’re all dealing with the effects of COVID-19 on our lives, I want to share encouraging news: the government has

approved the $2 trillion Coronavirus Aid, Relief and Economic Security (CARES) Act which will help millions of people in this critical time. Perhaps even you.

This sweeping legislation is unprecedented in the history of our nation and provides significant economic assistance to address the impact of COVID-19.

The CARES Act is over 800 pages long, but here are some of the economic provisions most relevant for you.

What this means for you

and your loved ones

If you’re eligible for a cash payment 
Most individuals earning less than $75,000 can expect a one-time cash payment of $1,200. Married couples would each receive a check and families would get $500 per child. That means a family of four earning less than $150,000 can expect $3,400.
If you or someone you know has lost a job

States will still continue to pay unemployment to people who qualify. This bill adds $600 per week from the federal government on top of whatever base amount a worker receives from the state. That boosted payment will last for four months.

If you’re a small business owner

The bill provides $10 billion for grants of up to $10,000 to provide emergency funds for small businesses to cover immediate operating costs.

There is $350 billion allocated for the Small Business Administration to provide loans of up to $10 million per business. Any portion of that loan used to maintain payroll, keep workers on the books, or pay for rent, mortgage and existing debt could be forgiven, provided workers stay employed through the end of June.

If you’re a freelancer or independent contractor

Typically, self-employed people, freelancers and contractors can’t apply for unemployment. This bill creates a new, temporary Pandemic Unemployment Assistance program representing $600 per week through the end of the year helping people who lose work as a direct result of the public health emergency.

If you would like to learn more about all the contents in the CARES Act, please see this article.

Please do not hesitate to reach out should you have any questions, or if you would like to chat.

Stay safe and healthy.

All the best,

Kathy, Zac and Jill

Financial Options to Consider During COVID-19

We hope this message finds your family adjusting to our (temporary) new normal and that you are uncovering some peace in this slowed pace of life.  Here at The Nelson Team we are staying focused on the fact that this is temporary, and we will soon return to our old routines, likely with a renewed appreciation for the ordinary day.    In the meantime, we realize there is a lot of information being communicated and can make it difficult to know where to focus our energies.  To be a resource to our clients and friends who are experiencing financial hardship we put together a list of action items for you to consider to ease your burden.   We encourage you to seek assistance as soon as possible and want to point out that most of the below programs are not automatic, they are only available upon request, so please take action!  

Also, in any of the below suggestions, be sure to ask the financial institution if/how taking advantage of available options will impact your credit.  In most cases they will not, but be sure to clarify so you can prioritize which programs are best for you to pursue: 



Contact your mortgage servicer – the lender you send a check to every month –to see if you qualify for mortgage forebearance.   Forebearance assists borrowers who are unable to make their monthly mortgage loan payment as a result of a temporary hardship. Many servicers allow mortgage payments to be reduced or paused for a period of up to 12 months, depending on the circumstance.   The relief can apply to any type of property: primary home, second home or investment properties. Note that this is not a forgiveness of debt, once you recover financially (or the forebearance period ends) you will work with the lender on a repayment plan, which might include extending the term of the loan.  Be sure to ask about interest as usually it will continue to accrue during the forebearance period so it is to your benefit to resume payments as soon as you are able. 


Credit Cards

Visit your credit card company websites and read their response to their customers financial concerns.  If you need temporary assistance for your personal or business accounts typically you can request this online.  If you don’t find what you need online, call the customer service number on the back of your card to speak to a someone live but expect long wait times as the companies are overwhelmed with calls.   Below is a summary of what some credit card companies are offering: 

Waiving interest accrual or setting interest at 0%, lowering minimum payments, deferring payments, waiving late payment fees,   increasing credit lines (dependent on credit worthiness)

Before you take advantage of any of their programs ask if this will have any effect on your credit report AND ask if the line of credit will still be available to you.  Some cards are freezing the line of credit so if you need access to these funds, proceed with caution. 

If you are unable to find relief with your current issuer and you have a good credit score, consider applying for a 0% interest credit card to consolidate debt from other cards onto. 



Automotive Loans

Several automakers and banks are currently offering payment deferrals for customers experiencing financial hardship.  Reach out to your lender to see what they can offer.  

As well many manufacturers and financial institutions are incentivizing new car purchases with 0% interest on terms up to 84 months with the first few months of payments deferred, so if you are in the market for a new car, now might be a good time to buy.


Federal Income Taxes

The deadline to file Federal AND Colorado State income taxes has been extended to July 15 for all individual returns, trusts, and corporations.  This relief is automatic, taxpayers do not need to file any additional forms or anything to take advantage of this extension.  


Student Loans

Borrowers with Federal student loans are able to pause those loans until September 30 and interest has been reduced to 0%. Lenders will not be garnishing wages, Social Security and tax refunds for student loan debt collection for those in default.  If you have Federal student loans this IS automatic and you do not have to do anything.  If you have private student loans contact your loan servicer and ask if they have programs to help. Note, if you are able to continue making your payments as usual, you will pay less in the end.  




Contact all of your utility companies as many offer energy bill assistance programs which may allow you to defer payments until a later date.  


Other General Banking

If you have seen other fees or charges show up on your general banking accounts, reach out to them as many banks are waiving overdraft, non-sufficient funds, monthly maintenance, expedited check, debit card, excessive transaction fees.  


Other Financial Commitments

Our other advice is to look through your credit card and bank statements to find things that can be temporarily suspended in order to save money – gym memberships, monthly subscriptions, reduce cell phone data plan, etc. 

This information is changing daily so best option is to reach out to your lenders and ask for help but as always we are a phone call away to talk through any of these options with you!   Stay well friends!  

The CoronaVirus Solution for Buyers and Sellers with Legitimate Concerns

What Your Denver Realtors Can Do To Protect Buyers and Sellers?

During these unprecedented times, we (The Nelson Team) want to send our best wishes and thoughts to you and your loved ones.

When you buy a home, you are not just buying a house, you are buying into a community.  Our communities are being called upon to come together to protect and serve one another in ways we never have before.  In our own neighborhoods we have witnessed truly heartwarming examples of kindness during this time, neighbors rallying around their most vulnerable to deliver groceries or other necessary supplies,  bartering resources to assure everyone has what they need, providing meals or helping with childcare to those on the front lines, continuing to support their area small businesses by utilizing take away options or buying gift cards for future use and, of course, how could we not mention the Italians filling the empty streets with the beautiful sounds of hope and solidarity.

In that spirit, we are putting all our efforts into being a helpful resource to you, our valued friends and clients…..and want to make sure you know we are available to you for any real estate needs or questions, connecting you with helpful community resources, Facetime check-ins, a grocery delivery….honestly anything else you may need as we navigate these uncharted waters together.

As we do have active listings, searches and transactions, we want to assure you that we are continuing about our business, but the health and well being of our team, our clients and our community are our utmost priority.  We are taking a high level of precaution to protect everyone involved….some of the measures we instituted are as follows:

For our Sellers

  • Vetting showing requests before scheduling to assure they are serious buyers and have exhausted all digital options for learning about the property

  • Providing booties for all showings at our current or future listings

  • Adding to our showing instructions to include a request that prospective buyers not touch anything while viewing the property, limit bringing children along and wear provided booties upon entering the home
  • Restricting overlapping showings to limit the number of people in the house at one time
  • Filming a video walk-through of the property to send to prospective Buyers and Buyer’s Agent if they are not able to see the house in person
  • Suspending open houses and instead making additional online marketing resources available for our listing

  • Providing checklists for our Sellers to complete before and after a showing (ie: disinfect faucets, doorknobs, light switches, appliance handles, tables in main areas, etc.)

For our Buyers

  • Providing booties and gloves for both the Agent and Buyers when showing a property
  • Requesting our Buyers not to sit on any furniture while at a property
  • Previewing properties for you via a video walk through of the property that can be emailed to you in lieu or in advance of a formal showing

We are in the business of building communities and it is important that we all do our part to contribute positively and proactively to keeping everyone in our communities healthy. Below is a link to information from the CDC regarding protecting yourself and our community:


Thank you, as always, for your continued support and sticking with us as we navigate through this situation together. We will emerge from this stronger and more connected than ever.  Please reach out to any of us if there is anything we can do to help you through this situation, we are here for you.

In this moment of social distancing when hugs are out….Kathy reminds us that Kindness is Free!

2020 Real Estate Predictions – The Nelson Team