The Harmes Team Presents...

 We’re finally here, it’s finally the week of closing! Even though it was roller coaster of a ride, we are finally taking the last step to getting our house. Even getting to this last step was a bit of a wild ride. When we were exactly one week away from closing we got a phone call from our lender saying my husband’s verification of employment paperwork was done wrong… for the third time! Friday morning we were scrambling to get this straightened out, because we are either getting a yes or a no from the underwriter that day. If we were not approved that day, our closing could be delayed another week, which wouldn’t be too bad except for the fact my dad is flying out here to be supportive and to celebrate with us.  It not only took my husband’s manger getting involved, but also his district manager, as well, to try to get the HR person to fill it out correctly. All he needed to do was state when the person was employed, what their wages were, and confirm that

Housing sales in December. December was a busy month in Colorado’s housing market. There were about 4,436 homes closed on, which is a 2% raise over last year. 3,174 of those homes closed on were single family detached homes. The remaining 1,262 were condos or townhomes.                 According to Kirby Slunaker, president and CEO of REcolorado. “December typically brings a month-over-month increase in residential real estate sales, but this December surprised us with a much higher increase than we’ve seen in previous years. Home prices have moderated since the second quarter, allowing buyers to jump into a market that is less competitive during the holiday season.”                 So what about the active listings in December in Colorado? Well I’m proud to report that by the end of December, there were 5,501 active listings, as well as 4,436 closings. This is a 3% increase over last year.   According to REcolorado, Denver home inventory averages 30 days on t

If it’s not one thing, it’s another.                 So we are all on track to close on our home at the end of January. Inspection was mostly done, the big things we were concerned about were taken care of. That’s is until we found out the roof was no good and would have to be replaced. The seller flat out refused to pay for it. Then we were in tough spot. Because were first time home buyers, we went with an FHA loan. So with the roof being in horrible shape FHA won’t let it pass. So now what are we supposed to do? Move on? Or hope FHA doesn’t notice it. Thankfully Jeff comes to the rescue! Jeff told the seller we could pay $1,500 to help towards the roof. Thankfully the seller agreed to these terms. So we got to pick out the color of our new roof, which was a blast. We decided on a color called Driftwood. (It’s the picture featured with today’s blog) We even went with impact resistant ones, those are highly recommended because of the hail damage Colorado gets. Then