Your Mortgage Guide to Home Buying in Boulder, Colorado
Making the big decision of owning a home requires an expert. Feel confident and secure in your home buying decision by using an experienced mortgage broker. Mortgage brokers have a wider array of loan program options, meaning you have more flexibility in the program that’s best for you.
How can we help?
We’re here to help you - not only with an upcoming loan decision, but your long-term wealth goals. Leveraging your home into a financial plan can create a robust outline of choices to help you reach your goals.
Why Choose Boulder, CO?
Picture waking up to breathtaking Rocky Mountain views every morning. In Boulder, Colorado, this isn't a fantasy, it's a reality. Nestled right next to these majestic peaks, Boulder offers an unparalleled outdoor playground. Hike, bike, rock climb, or camp – all right in your backyard. With 300 days of sunshine a year, you can extend your adventures throughout the seasons. Boulder's strong sunshine even fuels its vibrant biking culture. A comprehensive network of lanes and paths makes cycling a breeze, whether you're commuting to work or exploring hidden trails. This active lifestyle perfectly complements Boulder's thriving job market, with opportunities in tech, education, science, and more. So, if you crave adventure, sunshine, and a healthy lifestyle, then Boulder could be your perfect match.
Culture and Arts
Beyond the outdoor adventures, Boulder boasts a vibrant cultural scene with the pedestrian Pearl Street Mall buzzing with shops, cafes, and live music, while also offering museums, theaters, and art galleries. Plus, its proximity to Denver allows for easy access to big-city amenities without sacrificing Boulder's charming small-town feel.
Thriving Economy
Boulder boasts a thriving job market, attracting tech giants like Google and IBM alongside a strong presence in education and science thanks to the University of Colorado Boulder and the National Center for Atmospheric Research (NCAR). This translates to a low unemployment rate and ample opportunities across various industries.
Outdoor Adventures
Adventure seekers rejoice! Boulder's backyard boasts the majestic Rocky Mountains, offering year-round sunshine and endless opportunities for outdoor activities like hiking, biking, and rock climbing, all fueled by a vibrant biking culture with extensive trails.
Boulder Attracts Buyers from Both Coasts
Boulder's real estate market is a magnet for both inbound and outbound movement. Nationally, Boulder is a sought-after destination, with 1% of all homebuyers looking to relocate here from other major metropolitan areas. The influx is strongest from San Francisco, followed by Los Angeles and Houston, suggesting a desire for a scenic change and potentially a more relaxed lifestyle. However, Boulder's appeal isn't limited to external draws. A significant 70% of Boulder residents looking to move stay within the metro area, highlighting the strong local appeal and a desire for a different neighborhood or property type. Interestingly, Breckenridge, a popular ski town, is the top choice for those leaving Boulder, potentially indicating a move towards a more dedicated mountain lifestyle. Phoenix and Colorado Springs round out the top destinations, suggesting some residents may be seeking a more affordable cost of living.
For The Outdoor Explorers
Chautauqua: Nestled right next to the Flatirons with hiking and biking trails at your doorstep.
Table Mesa: Offers stunning mountain views and easy access to trails for hiking, biking, and rock climbing.
North Boulder: Close proximity to Mount Sanitas and numerous open spaces for exploring the outdoors.
Find Your Perfect Slice of Boulder
For Access To Mountains
Chautauqua Park: Direct access to hiking and biking trails leading into the foothills.
South Boulder: Located right next to the South Boulder Creek greenbelt, which provides access to trails leading into the mountains.
Sunshine Canyon: Offers easy access to Sunshine Canyon Trail, a popular route for hiking and mountain biking.
The Most Walkable Area
Downtown Boulder: Densely populated area with everything within walking distance, including shops, restaurants, and entertainment options.
University Hill: Compact and walkable with shops, restaurants, and the University of Colorado Boulder campus nearby.
West End: Offers a walkable environment with a mix of residential and commercial properties.
A Perfect Place For Families
Newlands: Known for open space, parks, and proximity to Mount Sanitas, this laid-back neighborhood offers a great environment for raising children.
Mapleton Hill: Family-friendly with excellent schools, parks, and a community center.
Wonderland Hills: Offers a quieter setting with stunning mountain views and easy access to trails, perfect for families who enjoy the outdoors.
Entertainment Happens Here
Downtown Boulder: Bustling hub with Pearl Street Mall, theaters, live music venues, and a variety of restaurants and bars.
University Hill: Offers a lively atmosphere with bars, restaurants, and occasional street performers.
The Walnut Street Area: Home to the Fox Theatre, a performing arts venue hosting concerts and plays.
Fantastic For Foodies
Pearl Street Mall Area: Bustling downtown area with a wide variety of restaurants, cafes, and shops catering to all tastes.
University Hill: Lively college town atmosphere with trendy restaurants, ethnic cuisines, and bars.
East Boulder: Known for its eclectic mix of restaurants, including farm-to-table options and international fare.
Still unsure where you want to be?
Get Your Property Report
Understanding your home ownership options as a current owner greatly depends on your current residence. Would you meet your financial goals by selling, refinancing, renovating, or maybe buying an investment property nearby? Get a sense of your current property’s value with a free property report.
Mortgage Options For Boulder Buyers
Building your life in Boulder will include finding a home. Working with Becky will ensure you not only have a variety of loan programs to choose from, but also a experienced real estate agent to help guide you through your process.
Working with a mortgage broker is like having a personal shopper for your loan. We review available loan programs from a variety of different lenders to find the best loan for your plans and goals. Here are a few loan programs of those options:
FHA Loans
Designed for first time buyers, FHA loans offer flexible credit requirements and lower down payment options than conventional loans.
VA Loans
Created to support the brave men and women of our military, VA loans make a great options for our veterans.
DSCR Loans
Looking to get into real estate investment? Find out how a DSCR loan can make the leap into this field simpler.
Jumbo Loans
Designed to offer more buying options for higher-priced homes, jumbo loans allow buyers to reap the benefits of conventional loan programs for luxury properties.
More Mortgage Programs Offered to Colorado Home Buyers
Meet Your Mortgage Broker
Becky Watkins
Senior Mortgage Broker, NMLS #327288
Nexa Mortgage LLC
505-235-9810
becky.nexalo@gmail.com
I’ve spent over 30 years in the real estate and mortgage industries. With my license to originate loans as well as a real estate license, I have unique access to data, loan programs, and services that can offer you a 360 degree view of your home shopping experience. Check with Beck before you take the leap to homeownership. I can help you navigate your questions and options, giving you confidence in your home decisions.
What is a mortgage broker?
A mortgage broker acts as an intermediary between borrowers and multiple lenders, helping individuals find the most suitable mortgage terms and interest rates from a variety of financial institutions. In contrast, a standard retail loan officer typically works directly for a single lending institution and assists clients in securing loans offered by that specific lender.
Think of me as your mortgage concierge, guiding you to the best decision by narrowing down your options to the best selections for your specific goals, needs, and wants.
Other Areas We Serve
Boulder, Colorado
Boulder's unique character requires a nuanced understanding. Our local mortgage brokers will guide you through Boulder's specific lending landscape, ensuring you get the best possible financing for your new home.
Denver, Colorado
Denver's competitive market demands a strategic approach. Our experienced brokers have the local knowledge and connections to navigate multiple lenders and find the most competitive rates and terms for your Denver home.
Colorado Springs, Colorado
Colorado Springs boasts a strong military presence and a flourishing housing market. Our local mortgage brokers are experts in navigating VA loans and other programs that can help veterans and active-duty personnel achieve their homeownership goals.
Fort Collins, Colorado
Fort Collins offers a vibrant community with diverse housing options. Our mortgage brokers understand the local market and can help you navigate financing options, from first-time homebuyer programs to jumbo loans for luxury properties.
Serving Home Buyers in New Mexico
In New Mexico's diverse market, an experienced mortgage broker can guide you toward the right loan option, whether you're drawn to Albuquerque's urban core or Santa Fe's unique charm. Their local knowledge helps you understand neighborhood nuances and secure the financing that aligns with your dream home.
Serving Home Buyers in Colorado
The Colorado housing market can be competitive, but a local mortgage broker can help you navigate it with ease. Their expertise in local loan programs and connections with lenders ensure you get the best rates and navigate the complexities of the process.
Albuquerque, New Mexico
Albuquerque’s housing market requires a seasoned mortgage broker to navigate local loan options and programs. We'll help you find the perfect fit for your needs, from historic districts to modern communities.
Santa Fe, New Mexico
Santa Fe's charm comes with distinct financing considerations. Our local experts understand the intricacies of the Santa Fe market, ensuring a smooth and successful homebuying journey.
Rio Rancho, New Mexico
Rio Rancho's rapid growth offers exciting opportunities. Our mortgage brokers stay informed about the latest loan options for this dynamic market, helping you secure the best deal on your dream home.