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How to Prep Financially Before Applying for a Home Loan
Expert Home Buying Tips from Colorado Realtor Kelly Gafa Buying a home is exciting, but the financial preparation that happens before you start house hunting is what often determines how smooth — or stressful — the process will be. As a Colorado real estate agent, I work with buyers at every stage of the home-buying […]
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Can You Use Rental Income to Buy an Investment Property in Summit County?
For many buyers, investing in real estate feels out of reach because they assume qualifying for an investment property loan works the same way as buying a primary home. Traditionally, lenders look closely at your personal income, tax returns, debt-to-income ratio, employment history, and overall financial picture before deciding how much you qualify for. If […]
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Is the Housing Market’s “Lock-In Effect” Finally Starting to Ease?
By Kelly Gafa, Colorado Real Estate Company For the past few years, many homeowners have felt “locked in” to their homes because of the ultra-low mortgage rates secured during 2020 and 2021. With rates under 3% at the time, selling and purchasing another home often meant replacing a very affordable monthly payment with one significantly […]
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A New Shift in Financing for Second Homes & Investment Properties
If you have been considering purchasing a second home or investment property in Summit County, you may have heard that financing these properties typically comes with higher interest rates and additional pricing adjustments compared to a primary residence. That landscape is evolving. There are now lending programs designed specifically to create more competitive options for […]
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Why Many Colorado Homeowners Should Expect Higher Property Taxes in 2026 — Even Without Rising Home Values
Many Colorado homeowners are opening their assessment notices and asking the same question: How can my property taxes be going up when my home value hasn’t changed much at all? For 2026, the answer has far less to do with market appreciation and far more to do with state-level tax policy changes that are now […]
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Changes in the 2026 Housing Market
How the Housing Market Could Shift in 2026As we move further into 2026, the housing market is beginning to feel more balanced and familiar than it has in recent years. Inventory is improving, mortgage rates have stabilized, and price growth is moderating—creating a more predictable environment for both buyers and sellers. Below is a breakdown […]
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Curious About the Copper Mountain Housing Market? Here’s What Buyers Need to Know in 2026
Copper Mountain continues to attract buyers who want more than just a ski condo — they want a lifestyle investment that can be enjoyed personally and leveraged financially. Copper Mountain real estate market offers a wide range of opportunities across price points and property types. Understanding what’s available — and what truly drives value — […]
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Why Holiday Visitors Fall in Love with Summit County — and Why Many Decide to Invest in Their Own Ski Getaway
There’s something unmistakable about Summit County during the holidays. The snow feels deeper, the lights glow brighter, and each mountain town seems wrapped in its own version of winter magic. Whether you’re carving fresh powder in Breckenridge, catching first chair at Keystone, or taking in the views from Copper Mountain, this season has a way […]
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Where to Buy in Summit County: Comparing the Best Communities for Real Estate
If you’re considering buying a home in Summit County, you already know the lifestyle here is something special—mountain views, endless recreation, and a perfect blend of adventure and relaxation. What you may not know is how unique each Summit County community truly is, and how choosing the right one can elevate both your day-to-day experience […]
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