• When Rates are Volatile, Just Pivot

    When Rates are Volatile,  Just Pivot,Matt Thomas

    Since the US went to war with Iran, mortgage rates have made a noticeable move…as you would expect…but not a lot.                                                         And every time something like this happens, I see the same reaction—smart, capable people hit pause. “Let’s wait and see where thi

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  • 3 Things I Think You Should Know About This Week - March 4, 2026

    3 Things I Think You Should Know About This Week - March 4, 2026,Matt Thomas

    3 Things I Think You Should Know About This Week   1 - Market Myth: “Nothing is selling right now.” Let's start by debunking a common myth. The headlines will tell you “nothing's selling right now” but the numbers don't lie:   In fact, more than 1,370 homes sold across the Front Range in just the pa

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  • The State of the Market: Momentum Without the Hype

    The State of the Market: Momentum Without the Hype,Matt Thomas

    State of the Market: Momentum Without the Hype   At the beginning of this year, the headlines told us not to expect much.   Rates weren’t projected to fall dramatically.Inventory wasn’t forecast to flood the market. Buyers were supposed to be hungrier.Most predictions called for… more of the same.  

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  • Is the market starting to slowly simmer?

    Is the market starting to slowly simmer?,Matt Thomas

    Is the Market Starting to Slowly Simmer? For the better part of the last few years, the prevailing narrative has been simple: housing is unaffordable. Full stop. And yet… the market hasn’t collapsed under that weight. It’s adjusted.   Competition has cooled. The sharp appreciation spikes are behind

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  • Could the Market be Set Up for a Pent-up Demand Surge?

    Could the Market be Set Up for a Pent-up Demand Surge?,Matt Thomas

    Could the market be set up for a pent-up demand surge? I say this to sellers often: the calendar doesn’t create value, strategy does.   Waiting for April sunshine won’t magically add dollars to your sale price. What actually moves the needle is precise pricing, strong positioning, sharp photography,

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  • Appreciation on Pause?

    Appreciation on Pause?,Matt Thomas

    Appreciation on Pause Would you believe that home values have basically been climbing ever since 2011 in the Denver Metro Area? Well, until 2025, at least. In fact, 2025 was the first year, in the past fifteen, we haven't seen at least some appreciation year over year. Let's look at the numbers (REC

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  • 3 Things I Think You Should Know About This Week - January 29, 2026

    3 Things I Think You Should Know About This Week - January 29, 2026,Matt Thomas

    3 Things I Think You Should Know About This Week 1 - Showings are up significantly. The local real estate market is showing marked, palpable improvement year over year. Showing activity jumped a very healthy 26.6 percent compared to last year and increasing by about 7% week over week. Momentum is bu

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  • A Lot Can Change in a Year

    A Lot Can Change in a Year,Matt Thomas

    A Lot Can Change in a Year A lot can change in a year — certainly in real estate.   We spent a lot of time over the past year emphasizing the impact of mortgage rates. Last year brought four rate reductions by the Federal Reserve leading to lower mortgage interest rates compared to a year ago. Curre

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  • BIG NEWS!

    BIG NEWS!,Matt Thomas

    BIG NEWS! Rates fell this week to below 6% for the first time in a long time! This is the lowest rates have been since September of 2022! On some level, it's hard to believe but the timing could prove to be a real boon to the housing market locally and nationally.                       What happens

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  • December 2025 Market Summary

    December 2025 Market Summary,Matt Thomas

    I've been hesitant for a month to contribute to the daily email traffic volume you're most assuredly receiving during the holidays, and a blog  post isn't much different. My desire to keep you informed has surpassed that concern, however, despite the risk of being lost in the noise. My hope is that

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  • The Denver Market Hits Reset

    The Denver Market Hits Reset,Matt Thomas

    If you see a Vet, thank a Vet for his or her service to our country. There are far too many Veterans that are still paying the price for our freedoms even years after their service. If you're a veteran, thank you today and forever, for your service! As of Veteran's Day As of November 11, 2025, inter

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  • Autumn of Opportunity

    Autumn of Opportunity,Matt Thomas

    Rates Stabilize After a volatile week last week with rates hitting 3-year lows (6.13%) then rebounding to about 6.3%, rates seem to have stabilized for the time being. But we've seen this song and dance before. Rates drop lower in the fall, then stabilize, only to climb back up later in the fall. Bu

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  • What the Headlines Got Right and What They Missed

    What the Headlines Got Right and What They Missed,Matt Thomas

    The 3 Things I Think You Should Know About This Week Number ONE - Mortgage rates fell last week (and mirrored them again today)... ...to their lowest point in 2025 and lowest point since last October. Why? Jerome Powell, the The Federal Reserve's Chairman, fears that the labor market is softening. W

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  • Buyers Prepare for Ideal Mortgage Conditions...What Will That Mean for the Market?

    Buyers Prepare for Ideal Mortgage Conditions...What Will That Mean for the Market?,Matt Thomas

    Rates Hit 10-Month Low As of August 13, 2025, interest rates hit a 10-month low—levels we haven’t seen since October 2024. The drop follows news that job creation numbers were revised downward from earlier, more optimistic reports.   We’re seeing what I’d call a ‘micro-trend’ of declining rates, and

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  • Big Beautiful Real Estate?

    Big Beautiful Real Estate?,Matt Thomas

    Big News in Real Estate (That Could Actually Save You Money) Heads up—some serious changes just landed in the real estate world thanks to a new federal bill called the One Big Beautiful Bill Act (yes, that’s really the name—clearly a Trump Thing).   Whether you're buying your first home, moving up,

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  • A Loot at The Year to Date and What's to Come

    A Loot at The Year to Date and What's to Come,Matt Thomas

    The Summer of Opportunity Answering the age old question of "is now the right time to buy?" NAR (National Association of Realtors) Chief Economist Lawrence Yun says the summer market may offer opportunity — especially while inventory is up and buyers have room to negotiate.   “For those who are able

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  • What Does More Available Homes Mean for You?

    What Does More Available Homes Mean for You?,Matt Thomas

    Is This Much Housing Inventory Healthy? All spring and into the summer, if you've heard anything about the housing market it's probably that the inventory levels are rising. And since so much of the benefits in housing have been for sellers over the past decade, rather than buyers, I'm sure that new

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  • Why Some Homes Sit on the Market While Others Sell in Days

    Why Some Homes Sit on the Market While Others Sell in Days,Matt Thomas

    If you follow real estate headlines, you might think homes either sell instantly or the market has completely stalled. The reality is more nuanced. Even in the same neighborhood, during the same week, one home may attract multiple offers while another sits on the market for months. In fact, I recent

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  • How Much House Can You Afford in Denver in 2025?

    How Much House Can You Afford in Denver in 2025?,Matt Thomas

    One of the most common questions I hear from buyers is simple: “How much house can we actually afford?” It sounds like a straightforward question, but the answer is rarely just about the purchase price. What really matters is monthly payment, lifestyle comfort, and long-term financial flexibility. I

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  • Can We Thaw Out Already?

    Can We Thaw Out Already?,Matt Thomas

    Freeze or Thaw? December 2024 wrapped up with promising signs of increased activity, and January 2025 has shown notable growth in new listings, hinting at a potentially busy spring ahead.    However, January brought true Colorado winter weather, with frigid temperatures and lingering snow from seaso

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