Spend a Day in Old Town Louisville: Boulder County’s Hidden Gem

Spend a Day in Old Town Louisville: Boulder County’s Hidden Gem

The Empire RestaurantJust a ten minute drive from Boulder proper, is a little town that’s been rated America’s Best Place to Live by CNN Money for two of the last three years; last year they placed second. In fact, they aren’t the only major site to be singing this historic mining town’s praises. Louisville has received an abundance of accolades in the past five years. If you think you know Louisville as a sleepy little suburb of Boulder, think again.

Old Town Louisville, or Historic Louisville, on Main Street has a bustling retail and restaurant scene and if you haven’t been yet, I encourage you to hop in your car or take the Dash and spend a day in Downtown Louisville. You’ll barely have to walk more than six blocks the entire day, but you won’t be at a shortage for sights worth seeing.

All of the restaurants and retail spaces I’m about to mention are located on a two block rectangle, from Main and Pine to Main and Walnut, and back around to Front and Walnut to Front and Walnut.

Breakfast/Brunch

For some delicious morning sustenance and a healthy dose of caffeine, head toBittersweet; their pastries and coffee will bring you into the land of the living. For a slightly more formal (but not too formal) breakfast or brunch, grab a table at The Huckleberry. If you’d like a little booze with your brunch, head over to the Waterloo, which is a restaurant and hopping bar by night, but offers some tasty mimosas and bloody marys on the weekends.

Brew

Right on Main Street, there’s a little brewery tucked in between a few restaurants.12 Degrees Brewing, which specializes in Belgian-inspired ales. They also have some fantastic guest taps for other Belgians, Saisons and Sours from around the country.

Louisville Rex

Lunch

For lunch, there are several tummy-pleasing options (many of which also serve dinner, so you can go at any point during the day), including the Louisville Rex, with its iconic marquis sign or LuLu’s andLa Rev with a gloriously large shared patio for spring and summer sunning. If you’re feeling more like some Chinese or Vietnamese, Double Happy ought to do the trick. For a sweet treat, stop intoSweet Cow ice cream and lounge on their astro turf patio.

Shop

If you’ve got money burning a hole in your pocket, there are a couple of places to spend it in Old Town Louisville. The Book CellarThe Singing Cook and Wildwood Guitars (which Premiere Guitar ranked as one of the 20 best guitar stores in the U.S.) all offer specialty goods that will have you browsing for hours. If you’re looking for some ladies’ fashion, look no further than Switch or Eleanor on opposite ends of the predefined boundary.

If you’re in the market for some quirky home décor finds, check out Little Horse, a cute little nook that sells used books, vinyl, and décor.  For more traditional style, check out The Fuzzy Antler. If you’re looking for small gifts or cards, check outAssorted Goods & Candy or Old Friends, which are located right next to each other on Front Street.

Feeling tense? Visit the Seagrape Day Spa on Main Street for a massage or mani/pedi. If you’d rather spend some quiet time alone with books, the Louisville Public Library is a wonderful place to spend a few hours in peace.

Dinner

You’ve probably worked up an appetite after all that shopping, but not to worry, there are plenty of options literally right around the corner. Fond of fondue? Have dinner at The Melting Pot. For Italian cuisine, get a table at Zucca. If you’re in the mood for some mouth-watering American fare, try The Empire (you can’t miss the sign) or Lucky Pie.

Drinks

If the night is still young and you’re not ready to call it a night, La Rev, Waterloo, the Rex and Lucky Pie are all open until 10 and offer a vast selection of beer, wine and cocktails. If it’s after 10, there’s one destination on this strip: Henry’s. The quintessential dive bar, Henry’s keeps the lights up and the drinks strong. Head over to play a game of pool or darts.

As I stated before, this is all within two square blocks of Downtown Louisville. There are far more highly rated restaurants, bars, and stores outside of this area, but still all within walking distance.

Louisville is definitely a family town (as evidenced by most places shutting down at 10 pm), but the young families that have moved there over the past five years or so have injected a fun, playful vibe around town that caters to parents of young children who aren’t quite ready to settle down yet, making it an appealing place for folks without children as well.

 

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John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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DID YOU OVERLOOK THESE THINGS WHEN STAGING YOUR HOME TO SELL?

Do you ever wonder why some homes sell quickly while others remain on the market for several months and even years? While some things can’t be changed, like location and size of lot, there are things you can do to help make it an easier sale. It’s called home staging.

Home staging is basically the process of making a home more appealing to potential buyers. Staging can occur throughout the home — outside and inside.

Consider a home with neatly trimmed grass vs. one that has grass and weeds growing knee-high outside of the home. The immediate impression of the home can quickly change depending on how it’s staged.

Home staging can occur with simple changes or with renovations that will increase the value of your home and make the overall package more appealing to potential buyers.

Regardless of the degree of staging in a home, the important thing is to de-clutter. That means removing unnecessary objects and furniture from the home.

It’s not enough to simply store these items in the garage or a closet. It should go off site. You’ll be amazed at how much bigger your home looks with all the clutter removed. You may rent commercial recycling containers if you decide to start a major decluttering project before you list your home for sale.

There are also a number of other things you can do with your home when staging.

WALLS AND CEILING

A home with freshly painted walls and ceiling can go a long way when trying to sell. Chipping paint or stained walls can leave a bad impression.

Also, by going with a light, neutral color, you make your home more inviting and appealing to the general buyer. Sometimes bold wall colors that may look great to some can come off as tacky to others.

LIGHTING

Well-lit homes are more welcoming to potential buyers than ones that are dark and dreary. When a potential buyer walks into your home, you want them to get a sense of comfort — a place they want to be in.

Also be mindful of the type of lighting you have. For example, a chandelier in a small room can make the room feel even smaller.

ODOR

Before any scheduled visit, air out your home of any odors. Any foul odor — whether it is from pets or food — is often immediately noticeable. An impression of your home is already formed without having walked through it.

LAWN AND GARDEN

If you have a lawn in the front or a garden in the backyard, take the effort to tidy it up. Your home’s lawn may be the first sight of your home for potential buyers, so make it a good impression with trimmed grass. It wouldn’t hurt to have some flowers or a well-groomed tree planted outside as well.

 The backyard also needs attention and care. You want potential buyers to feel like it’s a place they can use and relax in, not a place that requires a lot of time and effort to clean up and keep tidy.

These simple touches to the home can make for a more attractive sale to any potential buyer coming by.

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

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CRITICAL POINTS TO REVIEW ON YOUR HOME APPRAISAL

CRITICAL POINTS TO REVIEW ON YOUR HOME APPRAISAL

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Many factors come into play when a lender makes the commitment to finance a home loan. Lenders look at a borrower’s financial picture, including information such as income, standing debt, and savings. They also assess a borrower’s credit; good credit is vital to securing a home loan. Other factors, like a steady employment history, go toward a lender’s decision about whether a prospective borrower is a good risk for a loan.

But even if all of the financial stars align, a loan may fall through for the simplest of reasons: the home appraisal.

For starters, what is a home appraisal? In simplest terms, an appraisal is an assessment of a property’s value. When a home buyer applies for a mortgage loan, one aspect of the loan request that a lender takes into consideration is the appraiser’s assessed value as compared to the purchase price. If a home doesn’t appraise for at least the purchase price, financing the loan will may not be a good risk for the lender. In order to be certain that the property value is in concert with the amount of financing a borrower is seeking, a lender will request an appraisal to confirm the home’s value.

If you’re selling a home, you’ll want to make sure that the home appraisal reflects a fair assessment of your asking price in order to best attract a buyer who is able to secure financing. And if you’re a borrower hoping to secure a home loan, you’ll want to make sure that a low appraisal doesn’t dampen your ability to do so.  So, what are the critical points that you will want an appraisal to accurately reflect?

Some aspects of a home appraisal are fairly straightforward. When looking over the appraisal report, make sure that there are no inaccuracies in terms of square footage, number and type of rooms, date of original construction, and other basic features of the property. Verify that any updates or renovations are included in the assessment as well. Inaccuracies in the basic features of the property can affect its appraised value.

You’ll also want to make sure that the appraisal includes appropriate comparable sales (”comps”) from the surrounding neighborhood or area. You’ll want to make sure the comps he or she used in the appraisal process are appropriate so compare with the home you are buying. If you’re unsure, your real estate agent can help you determine whether the comps are fair.

The condition of a property can also affect a lender’s willingness to offer financing on it. If you feel that an appraiser has unfairly judged the condition of your prospective home, you should discuss the specifics with both your mortgage professional and your real estate agent.

Whether you’re borrowing money to finance a new home or making certain that the price you’re asking on your home reflects its true value, an accurate appraisal is crucial to a home sale.

 

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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Time sure flies!

Time sure flies!

spring

Soon it will be Spring and the start of another crazy home buying and selling frenzy is in store for the Boulder area. As you know, last year was crazy with multiple offers, and bidding wars seemed to be the norm. I feel more of the same will be in store for this year with even less inventory then we had  last year. Things are going to get crazy! So, if you are thinking of putting your home on the market, this may be the perfect opportunity. With inventory so low,     I have been sending out mailings for my clients in neighborhoods they have an interest in, simply because there are hardly any homes on the market. When homes do come up for sale, they go under contract in just days.

So if you are thinking of putting your home on the market, or know of someone who is,  please give me a call. I can sit down with you and discuss some Seller tips, like it might be best to put your home up for sale earlier this year to beat the frenzy and sell your home while there is less competition.

Please give me a call, and lets discuss how I can help you. Take care, and I hope to hear from you soon.

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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Valentine’s Day Events in Colorado

Valentine’s Day Events in Colorado

 

Hearts of all Ages 2014

Hearts of all Ages 2014

Friday, Feb 14 5:30p

This Valentine’s Day, get ready to join the University of Colorado Hospital Foundation under the big top for the Hearts of All Ages 2014 carnival! The whole family gets to enjoy the high-flying fun…

Valentine's Day Heartbeats with Ed Battle, Terri-Jo and Jeff Jenkins

Valentine’s Day Heartbeats with Ed Battle, Terri-Jo and Jeff Jenkins

Friday, Feb 14 7:00p
Dazzle Jazz, Denver

Featuring: terri-jo – vocals ed battle – vocals brad goode – trumpet jeff jenkins – piano mark simon – bass paul romaine – drums Join us for a Valentine’s day full of music for lovers! Ed Battle …

Denver's Biggest Date Night

Denver’s Biggest Date Night

Friday, Feb 14 6:00p

A Valentine’s Day Party at Boettcher Concert Hall Colorado Symphony’s Love & Lust concert is the perfect way to celebrate the sweetest day of the year…

Hay House Angel Card Reader Course in Denver, CO on March 28, 2014

Friday, Mar 28 10:00a

Become a Certified Angel Card Reader ™ In this entertaining and enlightening one-day seminar, Doreen Virtue (the best-selling author of 24 oracle card decks) will guide you through the symbology a…

Improv Comedy Night: Monkey Butler’s February Show

Saturday, Feb 8 7:00p

Celebrate Valentine’s Day early by enjoying Monkey Butler’s monthly improv show! The Denver Post named Monkey Butler the “Best Comedy Value” in Colorado in 2013…

Nature For Kids & Parents: Colorado’s Sweethearts

Sunday, Feb 9 1:00p

In the coldest part of winter, the courtship begins. By Valentine’s Day she will likely be sitting on a nest of round white eggs, as the cold wind blows around her…

Zakat Interfaith Boutique

Saturday, Feb 8 9:00a

Just in time for Valentine’s Day, a heartfelt sale of new, used, antique and estate jewelry priced to move…

CU Museum of Natural History – In-Service Day Workshop for K-5th grade: Prehistoric Water Worlds

Friday, Feb 14 9:00a

Colorado used to be an inland sea full of weird and wonderful creatures…

My Big Date Night

Friday, Feb 14 4:00p

Celebrate Valentine’s Day in the Sweetheart City: LOVELAND, CO HeidiTown, My Big Day Events & NoCo Short Bus Tours present “My Big Date Night!” Stay and Play in Loveland — These All-Inclusive Pac…

23rd Annual  Mountaintop Matrimony

23rd Annual Mountaintop Matrimony

Friday, Feb 14 12:00p
Loveland Ski Area, Georgetown

Marry Me & Ski Free Valentine’s Day – February 14th 2014 Thank you for your interest in Loveland Ski Area’s 23rd Annual Marry Me & Ski For Free Mountaintop Matrimony…

Viennese Voyage

Viennese Voyage

Friday, Feb 14 7:30p

Come join the Greeley Philharmonic Orchestra and the University of Northern Colorado Opera Theatre department as we collaborate to perform Strauss’ “Die Fledermaus…

 

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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5 FINANCIAL REASONS WHY YOU SHOULD BUY A HOME IN 2014

5 FINANCIAL REASONS WHY YOU SHOULD BUY A HOME IN 2014

High demand and short supply in the rental market have driven rates up nationwide. Shaun Donovan, Secretary of Housing & Urban Development, says “We are in the midst of the worst rental affordability crisis that this country has known.”

The projected surge in rental housing construction and available units probably won’t be enough to drive the rental market in 2014. Rental affordability has been hit by lagging income growth and a lean job market.

Slow income and job growth have also affected the housing recovery. Homeownership rates will slow and normalize asmortgage rates are predicted to reach 5% by the year’s end and home prices are expected to increase by 3%.

The question of whether to buy or rent this year is not an easy one to answer. However, keep in mind that homeownership comes with major financial rewards you’ll miss if you rent.

Factor in these 5 financial reasons for taking the leap into homeownership:

  1. Increased Net Worth: Homeowners are worth 30x’s more than renters.
  2. Investment Benefits: You are paying for housing whether you buy or rent. Invest your dollars in something you own rather than paying a landlord.
  3. Home Equity: Equity in your home can help pay for college, retirement, and major life events.
  4. Tax Benefits: Homeowners can deduct mortgage interest and property taxes from their income.
  5. Savvy Financial Habits: Owning a home means more financial responsibility and encourages better saving and spending habits.

Local real estate markets, your financial status, and personal needs and goals will all affect your housing decision. Consult a financial advisor and your local real estate professionals to help guide you to happy and healthy living in 2014.

Are you currently renting?

What’s holding you back from homeownership?

 

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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WHAT TO LOOK FOR IN A VACATION APARTMENT

WHAT TO LOOK FOR IN A VACATION APARTMENT

Things to keep in mind before renting vacation apartments

If you are thinking about a long holiday away from your hectic schedule, vacation apartment is probably the first thing what you need plan about. There is nothing like staying in an accommodation that feels comfortable as home. A vacation apartment can help you save money as well as much needed privacy away from home. However, there are certain things that you need consider before you select a luxury apartment unit or a luxury apartment complex.
List Your Requirements
The first thing that you need to have is the list of requirements you need at your vacation apartment. For instance, you are planning a vacation with your family; the vacation apartment should have all possible comforts that you expect at home. Make sure you aren’t paying for anything additional that is not needed during your stay. However, if you opt for apartments that are away from markets or other spots of attraction, the prices can go down considerably.
Research Well
When decided with the vacation idea and the list of requirements, the next you need is a good research about vacation apartments. For this you should consult reputed property agents so that you can compare and shortlist locations best suited for you.
Right Time to Select an Apartment
Apartment prices can certainly hit high, especially during the traveling season. Therefore, as a smart investor, you need to make a proposal when the prices aren’t touching the sky. For this you need to plan in advance, make booking at off season prices. This may call for booking months in advance at a time. Just make sure the selection meets your comforts and budget and fulfills your requirements too.
Evaluate Every Minute Detail
Mostly, people opt for vacation apartment options through online advertisements, which can sometimes get a bit confusing. The property you will see on websites can be totally different from the actual apartment. For this reason, you need to dig into every minute detail about the renting property. You can consult travel guides in that area or other check out reviews from previous residents.
Know About the Proprietor
Before, getting a vacation apartment on rent, you should have complete information about the proprietor. Check out if he is a seasonal agent or an experienced agent with a good business background. For this measure, you can scout local listings or find local property agents that offer you with other possible alternates.
Ask For a Rental Agreement
Before making a payment for the vacation apartment, make sure that you make a proper rental agreement with the proprietor. Check out whether the agreement fulfills all your demands and there aren’t any unknown provisos in it. Some experienced agents offer contacts with a cancellation policy, which will make a certain payback in case you have to cancel the vacation.

The best place to check for: vacation rentals 

 

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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HOA’S IN COLORADO ARE FINALLY REGULATED!

HOA’S IN COLORADO ARE FINALLY REGULATED!

 

tips for buying in an hoa in denver coloradoGood news if you live in an HOA – they are finally REGULATED!!! The Colorado Division of Real estate has launched the HOA Information Office and Resource Center to oversee HOA’s and help protect the rights of homeowners. It’s part of the  Colorado Common Interest Ownership Act.

(1) HOA Forums – You can present Issues With Your HOA

(2) HOA Managers Now Must Be Licensed in Colorado  – Community association mangers, management companies CEOs, and executives of management companies will need to be licensed starting July 2015.

(3) HOA Must Register Annually & File Annual Reports

(4) File HOA Complaints – now you can file complaint against your Colorado HOA. Here is the complaint form.

Boulder HOA’s

 

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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The Best Places to Watch the Super Bowl inBoulder

The Best Places to Watch the Super Bowl inBoulder

superbowl boulder 2014

Yes, the two states that legalized weed have made it to Super Bowl XLVIII. On February 2nd, the Denver Broncos and the Seattle Seahawks will finally face off. And even though we know who’s going to win, that doesn’t mean we can’t enjoy the game with some big-screen TV’s, good food, and craft beer, right? If your thinking about leaving the couch at home and going out for the Big Game, make sure to check out some of the local Boulder hotspots below.

FATE Brewing Company

Only one year old and already named the best new restaurant in Boulder in a recent Daily Camera poll, FATE is a shoe-in for one of the best spots to enjoy the Big Game. They have 10 TVs in the dining area and bar so you’ll be sure to catch all of the action no matter where you sit. For food they’ll be featuring two competing burgers specifically made to represent each of the competing teams. They will also have Happy Hour prices all day for draft beer and well drinks. Also, if you happen to be a lost Seahawks fan wandering around Boulder constantly looking over your shoulder, you’ll be happy to hear that this will probably be the only Seahawk-friendly place to go here in town since the owner is from the Seattle area. I can’t vouch for your safety with the locals though. For more information, visit the FATE Brewing Company website.

West Flanders Brewing Company

Did you hear about the epic rivalry they have going on with Seattle’s Elysian Brewing Company? Let’s just say that’s not the only exciting thing they have going on during the Super Bowl. They’ll be serving their special Orange in Brew Championship Ale and will have Happy Hour prices from 4PM to close. So grab a seat, watch from any of their six big screen TV’s, and enjoy drinking the beer all of Seattle will be tasting come monday. See their Super Bowl menu for more information and prices.

Shine Restaurant and Gathering Place

Don’t let the fresh-pressed juices and organic food fool you – this place is throwing it down caveman style on Sunday. They’re hosting an all out Paleo party that comes complete with a kitchen full of chicken wings, tacos, sliders, sweet potato fries, veggies, fruits, nuts, and everything else you can eat with your hands. So eat like crazy, watch the game, and wash it all down with one of their famous potions to forget about all of the calories you just consumed. Visit Shine’s websitefor more information.

Twisted Pine Brewing Company

Twisted Pine’s great beer is well known here in Boulder. And for the big game, they’re going to let you have it a little cheaper. Stop by to enjoy $10 pitchers of their famous draft beers and $2.50 Bloody Billys, a spicy red beer. They have six TV’s throughout the bar and dining area so you’re sure to get a good view of Peyton Manning throwing it down field. Visit Twisted Pine’s website for more info.

Lazy Dog Sports Bar and Grill

If you want to drown in flat screen TV’s everywhere you look on Sunday, then this is your place. Located right in the heart of the Pearl Street Mall, Lazy Dog will have the game on and the beer flowing. Though they don’t have any specific specials for the Big Game, Happy Hour will still be in full effect and they’ll be hosting a chicken wing eating contest during halftime. Good luck!

Conor O’Neill’s

If you want to watch the Super Bowl and feel like it’s St. Patricks day at the same time, then make sure to check out Conor O’Neill’s. They have four big-screen TV’s and will have Happy Hour from 4-7PM. To sweeten the pot even more, every time the Broncos score you can get a $4 Jameson shot or an orange and blue Bronco Bomb. They’re located right off of the Pearl Street Mall on 13th street.

Dickens Tavern

Just outside of Boulder, Dickens Tavern in Longmont is hosting a charity event for their Super Bowl party. They have a $20 entry fee, but it comes complete with fully stocked Appetizer buffet filled with chicken wings, nachos, quesadillas, meatballs and Happy Hour drink prices during the game. Though they only have one TV, it’s a huge 30-foot movie screen that will make you see all of the child-like fear on the Seahawks player’s faces. They only have 300 spots available so if you’re thinking about going, make sure to call ahead and reserve your spot. All of the proceeds goes to support the local Pro Swing Softball team.

The Connection at CU

If you’re a CU student and you still don’t know where to go, try stopping by The Connection on campus for their Soup ‘R Bowl party. They have big-screen TV’s and free soup, snacks, and drinks for all those who attend. The party starts at 2PM so come early and make sure to bring your student ID. Visit their event page for more information.

No matter where you choose to watch the game, just remember to drive safe and drink responsibly.

By  YourBoulder

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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INTEREST RATES …EXTRA! EXTRA! READ (BETWEEN THE LINES) ALL ABOUT IT!!

INTEREST RATES …EXTRA! EXTRA! READ (BETWEEN THE LINES) ALL ABOUT IT!!

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“To the extent that key labor market indicators continue to show improvement, the likelihood of tapering asset purchases will continue to rise.” 

James Bullard, President of the Federal Reserve Bank of St. Louis

“In my view, we at the Fed should begin tapering back our bond purchases at the earliest opportunity…” 

Richard Fisher, President of the Federal Reserve Bank of Dallas

“I expect discussion about the possibility of reducing the pace of asset purchases.”

Jeffrey Lacker, President of the Federal Reserve Bank of Richmond

Are interest rates going up? No one can (or will) answer that question. However, as we are all aware, change is one of the most constant parts of life and after historical low interest rates for the past several and the recent rises in home prices, all the continued “chatter” regarding the betterment of the economy seems as if change is in the air again. Today with the national Affordability index at a 5 year low, the bigger question may be are you ready for the changes?

It seems as if times will be no better than NOW. Maybe you just need to read a little closer to what is written “between the lines“.

Interest Rates ...Extra! Extra! Read (between the lines) All About It!!

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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