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Expert Tips for Home Buyers & Sellers

Our mission at Kittle Real Estate is to be your best resource for real estate advice. Whether you are a buyer, seller, or investor, our team of professionals can answer any questions you might have about real estate. Subscribe to this blog to get the latest news on local market trends and receive expert tips for buying or selling a home.

Monday, October 16, 2017

The Sheffield Homes Difference

Some home builders cut corners. Sheffield Homes is not one of those builders.

I recently had the opportunity to join Jason Gordon with Sheffield Homes to talk about what sets their new homes apart from the rest.

One of the most important things to know about Sheffield Homes is that they are going to build a quality home no matter what the local building codes are, including using 2 x 6 framed construction over the standard 2 x 4. For example, in Greeley, building codes are less restrictive than in Denver. This leads a lot of builders to build homes that are cheaper so they can save a little money. Not Sheffield Homes.

Sheffield Homes builds to the Denver building code, which is much more strict and leads to much higher quality homes. Their goal is to build the highest quality home possible. That’s exactly what they’re doing right now in The Point at Promontory subdivision, which you can learn more about here.

If you have any questions about building a home, buying a home, or anything else related to real estate, give us a call or send us an email.

Friday, September 22, 2017

Can You Get a Home for Less Than 20% Down?

There are plenty of options for buying a home with less than 20% down. Here are a few of them.

Our friend Patrick Boehler from Velocity Lending is here once again to answer one of the most common questions he gets from homebuyers. The question is, “Do I need 20% down to buy a home?”

The answer is absolutely not, and the truth is that you have a ton of different loan options that require far less than 20% down.

"USDA and VA loans don’t require a down payment at all."

For example, USDA and VA loans don’t require a down payment at all. These loans do come with restrictions, however. VA loans are only given out to active duty military service personnel and veterans, while USDA loans are only given to homes in rural areas that are eligible for the program.

At the same time, you can get an FHA loan for as little as 3.5% down. Conventional programs, like Freddie Mac and Fannie Mae, can get you loans with 3% down. Patrick and Velocity Lending even have a 1% down conventional loan for well-qualified buyers as well.

Programs change constantly, and new ones are always coming out. If you have any questions for Patrick or want the latest news from the lending world, give him a call at (970) 672-0010 or send him an email to

If you have any real estate questions for us, don’t hesitate to reach out via phone or email anytime. We look forward to hearing from you.

Monday, September 11, 2017

Appraisal vs. Inspection: What’s the Difference?

Today I'm answering the common question “What’s the difference between an appraisal and an inspection?”

I get this question all the time: What is the difference between a home inspection and an appraisal?

In short, the inspection deals with the questions about the condition of the home—does the furnace work? Does the air conditioning work? Are there issues with the foundation? Is radon present?

"The inspection deals with the condition of the home."

Typically, the Realtor will give you a list of approved inspectors for the area. This is something you’ll want to attend to, as there is a lot of information you can gather from an inspection.

On the other hand, an appraisal has to do with value, and as a lender, that’s something we primarily deal with. We will handle ordering the appraisal for you from our roster of approved, local appraisers. 

Value is ascertained by taking the three most comparable sales in your neighborhood—if you’re watching the value in your neighborhood go up, your home may actually appraise for more if you’re going to refinance or list that property at that time, based on the recent sales in your neighborhood.

Feel free to reach out to me if you have any questions.