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6 Tips to Get Approved for a Home Mortgage Loan

by Pedal To Properties
mortgage loan approvedSome people don’t know the first thing about getting a mortgage loan. They hear reports of dropping interest rates and lower home prices and hastily decide to jump into home ownership. But the process of getting a home loan differs from getting a car loan or renting an apartment, and applicants who don’t recognize these key differences are often disappointed when a lender denies their mortgage loan application. Continue...

Biking and Cycling in Boulder

by Pedal To Properties

Boulder features miles of in-town bike paths, fun singletracks, and winding mountain roads.

biking near the Flatirons in BoulderA common refrain among Boulder residents is, "My bicycles cost more than my car." A trip around town supports this. Folks ride cozy cruisers and elite road bikes, tough mountain bikes and various hybrids. Thankfully, Boulder features enough paths and trails to give everyone room. 

Pedal to Properties listing makes the NY TIMES!

by Pedal To Properties

Check out this link for the New York Times article!®ion=stream&module=stream_unit&version=latest&contentPlacement=1&pgtype=collection&_r=0&referer=



by Pedal To Properties


Real estate experts and economists agree sellers will continue to hold the cards



With inventory at historically low levels and demand for housing skyrocketing in most markets, economic analysts and real estate experts believe 2018 will be the Year of the Seller.


With few exceptions, analysts contacted by Inman News forecasted yet another year in which a scarcity of homes in the real estate market will allow private and institutional sellers to keep prices high, especially as a growing segment of first-time millennial buyers take the homeownership plunge.


“Clearly, 2018 appears to be another seller’s market,” said Mark Fleming, chief economist at First American Financial Corporation. “The shortage of supply relative to increasing millennial demand will not change next year. In fact, it may be exacerbated as more millennials decide to become homeowners and more sellers become prisoners in their own homes, as mortgage rates rise and fear of not being able to find something to buy increases.”


Low inventory, perhaps more than any other economic driver, will be a major hurdle for buyers in the coming year. Indeed, even as overall housing starts spiked to 1.297 million units in November, most experts believe bouncing back to a 50-year average of 1.5 million new units will be no easy task — and until then, the listings shortage will dramatically affect pricing, for better or for worse.

“Builders have been ramping up somewhat over the past year, and that should continue going forward,” said Svenja Gudell, chief economist at Zillow. “But in order to satisfy demand from entry-level buyers in particular, builders will need to find more affordable sites farther from job centers — and it’s unclear if buyers will be willing to sacrifice their commutes for affordable homes as they did in years past. And in general, it will take many years of above-average building activity to help erase the housing deficit we’ve created after years of under-building.”


According to Redfin’s 2018 housing market forecast, a whopping 25 percent of homes sold within two weeks or less during the peak of the buying season in 2017, and nearly one in five homes, or 19 percent, left the market in less than a week.


But mortgage rates, which are expected to rise, on average, to just 4.5 percent by the end of 2018 — and changes to the tax code that may deincentivize homeownership, could tip the balance of power to buyers and give them more room to negotiate, especially in luxury markets.


“I think you’re going to see sellers have less pricing power than they did this year, particularly in states like New York and California,” said Nela Richardson, chief economist at Redfin. “Buyers are going to be ready to play hardball because they’re not getting as much from buying the house as they did this year. And maybe less pricing power in other places, too, because consumers can only pay so much and prices have gone up so strongly.”


Lawrence Yun, chief economist at the National Association of Realtors, echoed a similar sentiment: “The housing shortage will still persist in many markets due to the legacy of slow rate of homebuilding over the past decade,” Yun said. “But due to the tax reform providing less financial benefit to be a homeowner, the overall price increase will be much softer in 2018, by 2-4 percent.”


Added Steve Cook, a real estate communications consultant at

“The inventory drought will continue to be enough of a factor to keep supplies below normal. Most markets will continue to be sellers’ markets, especially for entry-level homes, hotter markets and markets where prices are high and new construction is costly, like the Pacific Coast. Luxury and premium markets will be more evenly split between buyers and sellers.”


Email Jotham Sederstrom


Article image credited to Aldric RIVAT on Unsplash

Pedal's Volunteer Day at Community Food Share

by Pedal To Properties

We had a great time helping out at the Community Food Share yesterday in Louisville! Check out their website. 

Back row: left to right: Boulos Ayad, Tony Kimbiris, Brad Pugh, Tim Shea, Al Quiller, John Farley, Monique Cole. 
Front row, left to right: Kristin Creamer, Donna Zarlengo, Choen Michelle Vogt
 — with Tim Shea,Donna ZarlengoCarolyn BarlowChöen Michelle VogtMonique Cole and John Farley.

Short-term rental regulations go into effect in Boulder

by Pedal To Properties

Boulder City Council gets stricter on vacation rental enforcement 


On Thursday night, the City Council — much maligned for what many perceive as a lax approach to enforcement of neighborhood laws — approved a slate of changes to the ordinance they hope hold short-term rental owners even more accountable for their properties.




by Pedal To Properties

Pedal To Properties of Boulder is honored to be a part of the homes at Shadow Grass Park. Please call us about this exciting New Home Development!

Von’s Colorado Concepts builds incomparable customized homes at Shadow Grass Park in Longmont

Thanksgiving Thanks!

by Pedal To Properties

Happy Thanksgiving to you and your family! We are so thankful to have clients like you! May your day be filled with all the things you love the most!


30 Reasons to Love Boulder

by Pedal To Properties

Here are a few things we love about Boulder. Maybe you'll find yourself loving them, too. 



Mortgage down payment - What is it, who it goes to and where it comes from?

by Pedal To Properties

What is a down payment on a home?

The down payment is money you give to the home's seller. The rest of the payment to the seller comes from your mortgage. Down payments are expressed as percentages. A down payment of at least 20% lets you avoid mortgage insurance.

To explain how bankers and real estate agents talk about down payments, let's say you buy a house for $100,000:

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Displaying blog entries 1-10 of 109

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Pedal to Properties
Pedal to Properties Boulder Real Estate
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Boulder CO 80302
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