Archives for March 2013

Waiting Periods for a Prior Foreclosure by Richard Jensen

If you are among the millions of Americans affected by job loss and foreclosure during the worst recession of the century, there is still hope for you to buy a home again.  I am often asked by previous home owners who had a foreclosure, "What can I do and how long do I have to wait before I can buy a home again?"  Well, it depends.

Waiting periods for buyers who experienced a foreclosure can vary depending on the type of loan approval they are seeking.  If you have had a foreclosure and would like to buy a home again, you can expect the following waiting periods:

  • For a conventional Fannie Mae or Freddie Mac loan, the typical waiting period after a foreclosure before you can qualify for a new loan is seven (7) years.  However, a lender may make exceptions to the waiting period after three (3) years if you can show that the foreclosure was a result of "extenuating circumstances," such as a job loss or death of a wage earner.

  • For a VA loan (Department of Veteran Affairs), you must have paid VA for the loss due to the foreclosure before you can qualify for a new VA loan.  The waiting period is two (2) years.

  • For an FHA loan (Federal Housing Administration), the waiting period is three (3) years; however, FHA also grants exceptions for "extenuating circumstances" that resulted in the previous foreclosure, and you must have re-estabilished good credit before you can qualify for a new loan.

Source: RealtorMag.Realtor.org

If you are considering a home purchase within the next six months, it is always a good idea to talk to a qualified lending professional to discuss your financing options and, if necessary, a credit repair program.  There are several lenders I can recommend, so feel free to contact me anytime for lender recommendations.  And as always, let me know if you have any questions about the real estate market in Fort Collins, Loveland, Windsor, or anywhere else in Northern Colorado.

Thanks for reading our Northern Colorado Real Estate and Lifestyle Blog.

Craft Brewers Week by Ryan Levander

From March 18-24th the Colorado Brewer's Guild (CBG) helps put on "Colorado Craft Beer Week". Colorado Craft Beer Week is geared towards bringing new consumers on the scene and celebrating the rich history of Colorado's brewery culture. 

Fort Collins has a very diverse mixture of breweries in town. From nationally known Budweiser and New Belgium to local favorite Microbreweries such as Equinox or Coopersmith's. 

If you are looking to go out on the town this week, you won't have to look hard, with over 100 events going on all-around the state, and a large portion in Fort Collins specifically, it promises to be a fantastic week! 

Fort Collins specifically is said to be focusing on food and beer pairings this week. That being said there will be MANY restaurants taking part in the festivities, not just the breweries and bars. 

Keep an eye out here for more posts and pictures this week! For more up-to-the-minute information "like" our Facebook Page or follow us on Twitter. 

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Get on out and get a taste of what Fort Collins has to offer! 

 

Great Plates/Taste of Fort Collins by Ryan Levander

Since moving here one year ago, one thing that was unexpected but greatly appreciated has been the food; the restaurants here are top notch. The diversity, quality, and authenticity really shine through at our great eateries. Great Plates of Fort Collins celebrates all that is wondeful with the Fort Collins cuisine.2_Foodie1

Great Plates has been going on since the start of March, and we currently have two more nights left of this talk of the town festival. Fantastic deals are offered each night, which is a great incentive for residents to try different restaurants or even a new cuisine type.
Head on over to Downtown Fort Collins’ webpage to see all the restuarants participating in this fine event.2_Foodie2

Another festival we love during the year is the Taste of Fort Collins event going on June 7-9th. Taste of Fort Collins is not only a valid excuse to indulge in fine dining for the weekend, but also a chance to catch some great live music and art shows while doing so in the beautiful Colorado summertime. All the proceeds are donated to the Special Olympics Larimer County and Kiwanis Club International.

These tasty reasons are just another reason why we love living in Northern Colorado. ๐Ÿ™‚

Great Plates/Taste of Fort Collins by Ryan Levander

Since moving here one year ago, one thing that was unexpected but greatly appreciated has been the food; the restaurants here are top notch. The diversity, quality, and authenticity really shine through at our great eateries. Great Plates of Fort Collins celebrates all that is wondeful with the Fort Collins cuisine. 

 

Great Plates has been going on since the start of March, and we currently have two more nights left of this talk of the town festival. Fantastic deals are offered each night, which is a great incentive for residents to try different restaurants or even a new cuisine type. 

 

Head on over to Downtown Fort Collins' webpage to see all the restuarants participating in this fine event. 

Another festival we love during the year is the Taste of Fort Collins event going on June 7-9th. Taste of Fort Collins is not only a valid excuse to indulge in fine dining for the weekend, but also a chance to catch some great live music and art shows while doing so in the beautiful Colorado summertime. All the proceeds are donated to the Special Olympics Larimer County and Kiwanis Club International. 

These tasty reasons are just another reason why we love living in Northern Colorado. ๐Ÿ™‚ 

Colorado Music Buzz by Ryan Levander

What our state may lack in Oxygen, it certainly makes up for in many many other areas. The music scene is definitely one of them. Ever hear of Red Rock? ๐Ÿ™‚

Ok, that wasn't fair. Everybody talks about Red Rocks as "the" place to play and I went straight to it. Just within Fort Collins there are a number of venues that draw some great bands year-round. Hodi's Half Note made some changes with the new year and things definitely seem to be more lively and happening than usual over there. Probably the biggest venue in Old Towne is The Aggie Theater. The Aggie where we get big names coming through from time to time and almost nightly they'll have quality local or smaller independent bands on nationwide tours. 

This Friday, for instance, Shiny Toy Guns will be playing at the Aggie at 7pm. They just released a new album, entitled "III", and have been on tour all over the US promoting it. I have been listening to these guys for close to 5 years now; I love their music. I was surprised, but not totally surprised to see Fort Collins on their tour calender. 

And if you want to see those big names like the Lumineers at the big venues like Red Rocks? Well, then you just head down I-25 South for, say, Stubborn Love 20 times through! ๐Ÿ˜‰ 

Last weekend I got a media pass to shoot the Matt and Kim / Passion Pit show at 1st Bank Center in Denver (Broomfield). I'll leave you with some of my favorite shots here. Wow, what an incredible show!! 

Note: The name "Colorado Music Buzz" is also a published magazine that I have helped write a couple articles for. 

North American Handmade Bicycle Show by Ryan Levander

Just a bicycle? Far from! While bicycles can be as simple or complex as you want, even the simpliest of bikes by philosophy can be some of the most complex by design. The 2013 North American Handmade Bicycle Show, took place in the Denver Convention Center Hall (Feb 21st-24th), and did an outstanding job of showing off the creative minds in the bicycle industry.

Just when you thought you had seen it all in bicycle design (that's usually a safe bet living in Colorado), you were left with your jaw dropped…

What stood out to me the most were the different materials used to construct the frames. From bamboo to titanium and everything inbetween!

It was really great to see some local Fort Collins companies not only at the Convention, representing Northern Colorado, but making a name for themselves and our lifestyle!

Boo Bicyles was given the award for the best alternative material design and best fat bike (bike to ride in any condition, usually across mud or snow – fat tires!)

Black Sheep Fabrication & Calfee Design, another Fort Collins company, recieved best tandem design.

Even thouogh no awards were taken home for another FoCo company, Panda Bikes. They still had a quality showing and great designs, as always, at the show! 

The attendance was one of the better turnouts ever for the NAHBS. Large part was predicted due to location. Not just geographically centered, but the type of lifestyle out here in Colorado. The environmentally friendly, healthy, and educated folk who choose to ride bikes for those reasons, and many other! 

Even the bear wanted in to the show…

And I'll leave you with a great view of some Denver traffic and nightlife, taken from inside the convention center: