Interest rates are at the top of everyone's minds right now, especially if you are in the market for a home. But your interest rate isn't set in stone.

Several factors play into the interest rate on your loan, and you are in control of a lot of what affects it. Here are some of the things that can affect the interest rate on your home loan. Let us know if we can help you determine what your home loan may look like.

1. Credit scores
Borrowers with higher credit scores generally receive lower interest rates than borrowers with lower credit scores. Lenders use your credit scores to predict how reliable you'll be in paying your loan. Credit scores are calculated based on the information in your credit report, which shows information about your…

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It turns out Americans weren’t ready to become a nation of renters. Homeownership is back in.

As reported by The Washington Post, new data indicate that in 2016, in defiance of myriad prognostications, the decade-long decline in the homeownership rate abruptly reversed. Once-rapid growth in renter households stalled, and the long-stagnant number of owner-led households began rising.

The most recent Housing Vacancies and Homeownership survey shows homeownership rates rose from a low of 63 percent in the second quarter of 2016 to 64.6 in the fourth quarter of 2018, adjusted for seasonality. This move reflects changes in the status of millions of households. The homeownership rate has regained all the…

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Perfect starter home in Denver’s hottest location.

This Sunnyside home lives larger than the SF, and the remodeled chef's kitchen has everything you're looking for, including 5-burner gas stove, quartz countertops, + stainless steel appliances - your friends will enjoy cocktails or coffee at the large island while you whip up a fab brunch, and then a it's a short walk to yoga, parks or shopping! With a modern, open floorplan, newer solid hickory wood floors, double paned windows, central AC, updated electrical and newer roof, you can move in assured that everything has been taken care of. Bonus space in the finished basement, too! Whether you're a foodie or a craft beer fan, exploring the neighborhood is a delight - from Diebolt & Factotum Brewing…

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Beautifully updated 3Bed/4Bath home in Sunrise Ridge.

Just a short drive to Olde Town Arvada or Downtown Golden, this home is immaculate and features a large living/dining/kitchen area with fireplace and cozy private patio off of eating area. The finishes include hardwood floors on entire main level, stainless appliances, updated lighting and custom built-ins. The upper level features spacious master bedroom with ensuite, 2 additional large bedrooms and full bathroom. The finished basement features an office/flex room, large entertaining/rec room, 3/4 bathroom and storage. You’ll be the impressed by function, space and style of this beautiful home.

Listed by Denise Duran-Marcum for West + Main Homes. Please contact Denise for current pricing +…

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Quiet townhouse that backs to open space!

Enjoy a large open kitchen with eating island and included appliances, a main floor powder room, spacious master suite with his and hers closets, and a comfortable living room complete with gas fireplace. The exterior siding was replaced only 2 short years ago, and a new central AC unit was installed at that time. Enjoy the back deck as it over looks the Parker Jordan Centennial Open Space. Generous yard for dogs of all sizes. Close to several restaurants and shops as well as Cherry Creek State Park! 

Listed by April + Rob Schmidt for West + Main Homes. Please contact April and Rob for current pricing + availability.

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Welcome to this beautiful 2 story home in the desired Anthem Highlands Neighborhood.

You will love the large private yard with mountain views! The professionally landscaped yard offers a stamped concrete patio, new hot tub, pergola, raised garden boxes, gas line, and backs to a walking trail. The home has new paint and re-finished hardwood floors. Amazing open floor plan filled with large windows and natural light. In the kitchen you will find granite counter tops, ss appliances, gas range and an eat in kitchen that connects to large family room with cozy fireplace. There is a mudroom and separate laundry room with sink off the 3 car garage. All 4 bedrooms are located on the upper level including the master with a vaulted ceiling, private 5 piece…

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Wonderful Westminster 3 bedroom, 3 bathroom home now available in Skyland Village.

You'll love this gorgeous house which features an open kitchen with quartz countertops, shaker style Kraftmaid cabinets + stainless steel appliances. Gather around the fire pit with friends and sip on craft cocktails for happy hour while the dogs run around the massive yard! Cozy up in front of your wood burning fireplace on a snowy Colorado weekend. Relax in the oversized tub in your master suite after a long day at the office. There are many well-thought-out updates throughout this lovely home; including beautifully remodeled bathrooms, maple hardwoods + raised garden beds. Still haven't embraced the Marie Kondo lifestyle?Need a place to store your seasonal gear? …

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Rising rents are making it near impossible for renters to save for a down payment.

A new HotPads® analysis concluded that there is one way that young adults are trying to combat this change. Moving back in with Mom and Dad. 

HotPads, a rental search platform that is part of Zillow Group, found that the median home value is $225,300, meaning a 20 percent down payment is about $45,000. If a renter earning the median annual income saves 16.5 percent of their income after accounting for housing costs each month – the typical rate of savings for U.S. renters – they would have enough saved after eight years.

With the typical renter spending about 34 percent of their income on housing, one can see how moving in with parents makes sense. If a renter…

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Stunning Sloan's Lake half duplex now available! You'll love this recently remodeled 3 bedroom, 3.5 bath home!

Enjoy entertaining for a large group in the well designed kitchen that includes beautiful quartz counters. Sleep peacefully in your spacious master suite that features a brand new ensuite and walk-in closet. Let the dog + kids run around the large backyard as you tend to your urban garden. Take a stroll around Sloan's Lake on a Sunday morning and then hit Highlands Square for lunch at Fire on the Mountain followed by a scoop of cookies n cream at Sweet Cow. Store all of your tools + toys in the oversized attached 2 car garage or the massive attic space. Not only does this fully loaded property live like a single family home, it's in a…

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Beautiful, all brick Tudor on a lovely block in Denver’s Mayfair neighborhood. 

Tons of charm throughout including original wood burning fireplace, tile and hardwood floors. At 2906 square feet, this classic boasts 5 bedrooms and 3 full bathrooms. A bright sunroom spills light throughout. A finished basement provides an additional family living space, bedroom and full bath.  The gated driveway leads to a 2 car garage and private backyard.  This home has been meticulously maintained, with brand new furnace and a/c systems, and newer roof, gutters and Andersen windows. Excellent schools and just a short walk to 6th Avenue and Monaco Street Parkways. This 1939 home has unlimited potential, but is also perfect just how it is.

Listed by Gray Blount…

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