John Kurtz, Senior Loan Officer, NMLS #275592

Allied Mortgage Group
Boulder Branch NMLS #2503351

01/30/2024

A Zillow survey conducted in the 4th quarter of 2023 found that 21% of homeowners are contemplating selling their homes within the next three years. The survey also found an interesting trend: the willingness to sell was almost equal among homeowners with mortgage rates above or below 5%. This marks a considerable shift from six months ago, indicating that interest rates are becoming less pivotal in homeowners' decisions to sell.

Do you have any regrets?

Another reason for increased seller activity that was observed in the study -- widespread buyer's regret. Many who bought a home during 2021-2022 admit to being swept up in the buying frenzy, ending up with homes that weren't suitable for their long-term needs. The flow of new listings, while still slow, is showing signs of improvement. This is contributing to a cautiously optimistic outlook for 2024.

As inventory warms up, let us make sure you're prepared to make an offer. Reach out by messaging us here.

New ★★★★★ 5 Star Experience.com Review by Lauren E B 01/22/2024

5.0 star review received on Experience.com for John Kurtz by Lauren E B - John made the home buying process seamless! He was so helpful and we greatly appreciate all of his work with our home buying process.

New ★★★★★ 5 Star Experience.com Review by Lauren E B Click to see all 156 reviews of John Kurtz, Senior Loan Officer | NMLS #: 275592

10/19/2023

Also see the Metro Denver Real Estate Market Snapshot for September in my comments below (covering Adams, Arapahoe, Broomfield, Denver, Douglas and Jefferson Counties).

There were more new single-family home listings during the month of September 2023 vs. 2022, even though active listings and closed listings were down year-over-year.

Boulder County's September median sales price of $830,000 is not drastically higher than a year ago (less than 4%).

If you are in the market to purchase a home, let us explain the negotiation power you have, given these real estate conditions.

(Data from Altos Research)

New ★★★★★ 5 Star Experience.com Review by Kimberly B 09/23/2023

5.0 star review received on Experience.com for John Kurtz by Kimberly B - John and Alissa were always on top of things all through our loan process. And they were both very professional and truly kind.

New ★★★★★ 5 Star Experience.com Review by Kimberly B Click to see all 155 reviews of John Kurtz, Senior Loan Officer | NMLS #: 275592

08/30/2023

Home values are setting new all-time highs. FHFA's June appreciation report on single-family homes with conforming loans (does not include cash buyers or jumbo loans) shows prices up 2.9% year over year and nearly 3% above last year's peak with new record highs every month since this past February.

If you would like a report on your home's value, we will sign you up for Homebot - send us a message or email us at [email protected].

07/05/2023

Have you ever heard that all of your debts should not exceed 36% of your gross income?

We know that the debt-to-income (DTI) ratio is not a one-size-fits-all. We customize a mortgage solution based on your true DTI vs. a national average.

Contact us today, so we can walk through home loan options that will further your financial health.

06/28/2023

I'm excited to work with Jessie and Dana again - welcome aboard!

The word is out! These two seasoned Loan Officers just joined our team - Jessie Thompson NMLS ID # 287279 and Dana Briganti, Senior Loan Officer, Allied Mortgage Group, NMLS ID # 695495.

Many of us have worked with this power duo in the past, and we are all thrilled to be back together!!!

05/23/2023

One of my favorite aspects of being a lender is helping 1st timers!

So far this year, 40% of all existing home mortgages are secured by first-time homebuyers. The majority of these buyers made down payments under 20%.

Let us walk you through the ways of investing in your future through home ownership.

Reach out to any of our Loan Officers to learn about your options.

05/11/2023

Good news from FHFA!

The Federal Housing Finance Agency (FHFA) announced yesterday that it has rescinded the upfront fees for conventional borrowers at or above a 40% debt-to-income (DTI).

This controversial loan-level pricing adjustment (LLPA) was supposed to go into effect August 1st. With home affordability challenges, this is welcome news for mortgage companies which can help clients with high debt to income ratios.

Message us here if you want us to determine your DTI and eligibility for a home loan.

04/28/2023
04/22/2023

The photos above and below show that my mortgage business is now under Allied Mortgage Group. Our Boulder support staff remains the same. Our office is the same. We just have a new name with more lending options. I am excited to share this improved experience with my partners and clients! Take note of my new email address: [email protected], and I'll reach out soon.

New ★★★★★ 4.83 Star Experience.com Review by Trevor M 04/17/2023

4.83 star review received on Experience.com for John Kurtz by Trevor M - all the information about the loan process was communicated clearly and in a way that allowed me to understand every step in the process from start to finish.

New ★★★★★ 4.83 Star Experience.com Review by Trevor M Click to see all 154 reviews of John Kurtz, Senior Loan Consultant

04/03/2023

Thank you to my clients and partners for advocating on my behalf to be a Five Star Mortgage Professional, for my 7th year! You all make this job rewarding in addition to awarding. Always here to help guide you and your friends through home financing - contact me anytime.

03/28/2023

5.0 star review received on Experience.com for John Kurtz by David L J - John was very responsive, helpful and resourceful in identifying a mortgage product that met our needs. The application, underwriting and closing process were all very smooth.

New ★★★★★ 5 Star Experience.com Review by David L J Click to see all 153 reviews of John Kurtz, Senior Loan Consultant

You've Already Applied for a Loan, so Why are So Many Mortgage Companies Calling? | Planet Home Lending - Boulder, CO 03/27/2023

An informative article on why you get spammed when applying for a loan - and what you can do about it --

You've Already Applied for a Loan, so Why are So Many Mortgage Companies Calling? | Planet Home Lending - Boulder, CO You’ve Already Applied for a Loan, so Why are So Many Mortgage Companies Calling? by Blue Hessner | Mar 23, 2023 | Applying for a Mortgage, Boulder County Real Estate, Credit Agencies, Credit Scores, General, Home Purchase | 0 comments We know that it’s annoying and worrisome when your phone rin...

03/07/2023

February was a tough month of interest rates, but the Denver metro real estate market fared well with more homes closing at higher prices, as compared to January.

Inventory will likely continue to stay tight or shrink with the coming of spring and summer, so let me design a financing package while you still have leverage to buy.

Biden-Harris Administration to Save FHA Homebuyers Average $800 Annually on Mortgage Payments Through Premium Reduction 02/22/2023

First-time homebuyers often opt for a government loan from FHA. Let's talk to determine your elibility!

Biden-Harris Administration to Save FHA Homebuyers Average $800 Annually on Mortgage Payments Through Premium Reduction HUD No. 23-041 HUD Public Affairs (202) 708-0685 FOR RELEASE Wednesday February 22, 2023 BIDEN-HARRIS ADMINISTRATION TO SAVE FHA HOMEBUYERS AVERAGE $800 ANNUALLY ON MORTGAGE PAYMENTS THROUGH PREMIUM REDUCTION 30 basis point reduction in FHA annual mortgage insurance premium supports Biden-Harris Adm...

02/06/2023

Denver Metro real estate trends for January show a promising landscape for buyers. Closing prices are down, and homes are for sale longer. Inventory is still tight and getting tighter, so start searching for your home this month. We can get you pre-approved within a day, so contact us asap.

(Infographic by the Denver Metro Association of Realtors)

Home Insurance Coverage a Year After the Marshall Fire | Planet Home Lending - Boulder, CO 12/28/2022

This week one year ago, Marshall Fire ripped through Boulder County. Based on my experiences speaking with clients who lost their homes, and their insurance companies, I wrote this article about how to protect yourself from being under-insured and what steps you should take to document your belongings.

Home Insurance Coverage a Year After the Marshall Fire | Planet Home Lending - Boulder, CO Home Insurance Coverage a Year After the Marshall Fire by John Kurtz | Dec 28, 2022 | Boulder County Real Estate, Home Insurance, Home Loss Preparation, Wildfire Protection | 0 comments Rebuilding Efforts in Superior, one year after the Marshall Fire On December 30, 2021, the Marshall Fire devastati...

Federal Funds Rate - 62 Year Historical Chart 11/03/2022

Yesterday, the Federal Reserve announced another rate hike.
• It's the 4th consecutive time the Fed has raised rates by three quarters of a point.
• They hinted that December's rate hike would be 50 basis points (vs. the 75).
• The Federal Funds Rate is now at 4% (compared to over 16% in the early '80s - see the chart below).
• Chairman Powell's stated that he doesn't think the Fed has done enough, and he prefers to overdo it.
• The purpose of rate hikes is to curb inflation which is at the fastest pace in 40 years (8.2% in September vs. 2% goal).

How does this move impact residential real estate?

While interest rates have risen this year, real estate is still considered a secure investment. With one more rate hike in 2022, it will be less to buy today than over the next four months. As a homeowner you can build equity, even with a higher interest rate. With renting, there’s no equity at all. Contact me to discuss your options.

Federal Funds Rate - 62 Year Historical Chart Shows the daily level of the federal funds rate back to 1954. The fed funds rate is the interest rate at which depository institutions (banks and credit unions) lend reserve balances to other depository institutions overnight, on an uncollateralized basis. The Federal Open Market Committee (FOMC) me...

10/18/2022

The typical Denver home that a borrower can afford, with a $3,000 monthly housing budget, has decreased by 362 square feet (from 1,933 sqft in September 2021 to 1,571 in September 2022).

Instead of thinking big, scale down to search for a home that fits your budget and your needs. In the future, you can use the equity you’ve earned to build or buy bigger.

We can run the numbers to let you know your monthly housing budget and help you size right. Contact any of our Loan Officers at your convenience.

(Data from Redfin Report analyzing the median square footage of homes affordable on a $3,000 monthly housing budget based on list prices, mortgage rates and the supply of homes for sale on September 29, 2022 versus September 30, 2021.)

09/27/2022

With a “Temporary Buydown,” you could pay 2% less than the normal note rate during your first year of mortgage payments and 1% less during your second year. Even better, it's often paid for by the seller.

Let us run through the numbers with you and consider whether this 2-1 Buydown is your solution.

09/13/2022

The CoreLogic Homeowner Equity Insights report was just released for April through June, analyzing properties with a mortgage.

U.S. homeowners have seen their equity increase by a total of over $3.6 trillion since the second quarter of 2021, a gain of 27.8% year over year.

This translates to the average U.S. home gaining $60,200 of equity in the last year, compared to Colorado’s $76,000 in equity gain.

Contact us to dive into the data, so we can look at current home prices and expected appreciation together.

New ★★★★★ 5 Star Experience.com Review by Dorothy C M 08/06/2022

5.0 star review received on Experience.com for John Kurtz by Dorothy C M - John was great to work with. He answered all of my questions.

New ★★★★★ 5 Star Experience.com Review by Dorothy C M Click to see all 152 reviews of John Kurtz,
Senior Loan Consultant

08/05/2022

It’s slowly shifting into a buyer’s market…

Inventory is increasing month over month (July over June).
Less homes are selling for less money.
Homes are on the market for longer.

If you want to buy this year, let’s talk about qualifying you and how we calculate your mortgage payments.

07/07/2022

Homeowners will see continued equity growth though 2023.

The Freddie Mac Quarterly Forecast from April stated, “House price growth is expected to average 10.4% in 2022, slowing to 5% in 2023. House price growth was 17.8 percent in 2021.”

Despite increases in mortgage rates, the single-family purchase market will remain solid in 2022. Even the 5% home price growth in 2023 is historically high.

Let us help you look at a cost of waiting and the importance of buying to today.

New ★★★★★ 5 Star Experience.com Review by Douglas K 06/28/2022

5.0 star review received on Experience.com for John Kurtz by Douglas K - John helped us every step of the way in understanding our options, what made the most sense, and handled all the logistical details when we needed him to. Thanks for your help, John!

New ★★★★★ 5 Star Experience.com Review by Douglas K Click to see all 151 reviews of John Kurtz,
Senior Loan Consultant

06/24/2022

Check out that home equity now available in your real estate.

We are here to help you explore the best strategies for how best to tap into it!

Contact any of our Mortgage Loan Originators for an informative consultation:
https://planethomelendingboulder.com/meet-the-team/

Want your business to be the top-listed Finance Company in Boulder?
Click here to claim your Sponsored Listing.

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3800 Arapahoe Avenue, Suite 240
Boulder, CO
80303

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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