Grand Junction Real Estate topics by Paul Aspelin, REALTOR, licensed in Colorado.

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Redlands 360 Master Plan Map | Easter Hill

Redlands 360 Master Plan Map

This map outlines the planned community for Redlands 360. The 600 acres of land encompassing this spectacular master planned community has long been renowned as a community gem. The 360-degree views of everything the Grand Valley offers are on full display.

This post is meant to accompany my previous post about Redlands 360 and the Easter Hill and Canyon Rim new home developments.  That post includes more details and history about the Redlands 360 planned community and the new construction opportunities.

I have helped buyers build a beautiful home in Easter Hill and I would love to walk you through the new construction process too. I’ve been helping buyers with new construction since 2001. This is an amazing new area to build your dream home. Please drive out here to see it in person! Learn about the future development from the Redlands 360 Master Plan Map below.

A second option you might consider when building a new home is the Soaring Eagle neighborhood. It’s also near the Colorado National Monument and offers spectacular views of Independence Monument. It’s close to more popular trailheads like the Monument Canyon Trail where you are likely to see Bighorn Sheep! Ask me about the club house for residents in Soaring Eagle!

Redlands 360 Master Plan Map

Redlands 360 Master Plan Map

Easter Hill Trailhead

Here’s a view from on top of a trail looking down to the Easter Hill trailhead parking lot and the Easter Hill neighborhood.

Easter Hill Trailhead Parking Lot and neighborhood

If you have the All Trails app, look up Water Towers Mountain Bike Loop. All Trails describes the trail by saying it “incorporates a couple of clear, open hillsides which are ribboned with crisscrossing paths carved into the rock and earth, perfect for mountain biking.” And I would add hiking too. We saw many people walking their dogs while we were on the trail near Easter Hill. Crisscrossing is an excellent description. Look at this map from All Trails.

Water Towers Mountain Bike Loop Map from All Trails

If you’d like to learn more about Redland 360, Easter Hill, Canyon Rim, or Soaring Eagle new home developments, text or call me at 612-306-9558. I’d like to show you around!

Two other posts you might enjoy Grand Junction Golf Courses and Buying a Home in Grand Junction.

Text/Call 612-306-9558

PAUL ASPELIN, REALTOR®
GRI, SRES®, CNE

Grand Junction Real Estate Expert
Connect with me on LinkedIn or send me an email.
Learn more about my experience and how I serve my clients 

© 2025 Paul Aspelin, REALTOR®
MovetoGrandJunction.com
Copyright protected. All rights reserved.

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Pros and Cons of Offers with Contingencies

Pros and Cons of Offers with Contingencies

Buying a home is a monumental step in life, and crafting the right offer can mean the difference between sealing the deal or losing out. One tactic that buyers often consider is writing an offer contingent on the sale of their current home. This type of contingent offer to purchase a home includes specific conditions regarding the sale, and ultimately the closing, of your home.

Let’s take a look at the pros and cons of offers with contingencies. Keep in mind that as a buyer, you may choose a different strategy if there are no other offers on the house you like, especially if it’s been on the market for a while, versus when it’s new on the market and there are multiple offers on the house you want to buy.

Be sure to read through to the end where I have some bonus tips!

What is a Contingent Offer?

A contingent offer means that the buyer is only obligated to proceed with the purchase if certain conditions (contingencies) are satisfied. These conditions typically protect the buyer and ensure that they can back out of the deal without penalty if their circumstances change or the conditions aren’t met. The majority of home purchases have some type of contingency attached to them, even cash offers. But not all contingencies in real estate are viewed the same.

Common contingencies include:

Financing Contingency: The offer is contingent on the buyer securing a mortgage loan.

Inspection Contingency: The home must pass a professional home inspection and/or testing for things like Radon, mold etc.

Appraisal Contingency: The property must appraise for at least the agreed upon purchase price.

Successful Home Closing Contingency: As a buyer, the home you are selling already has an offer on it and you are waiting for it to successfully close.

Pros of Writing Offers with Contingencies

Protects the buyer’s interests

  • The primary advantage of including contingencies in an offer is that it provides a safety net for the buyer. If unforeseen issues arise, such as difficulty in obtaining financing or problems uncovered during a home inspection, the buyer can withdraw without losing their earnest money deposit. This protection ensures that buyers aren’t forced into a deal that could jeopardize their financial stability.

Allows time for necessary steps

  • A contingent offer gives buyers time to resolve critical issues, such as selling their current home or securing a mortgage. For example, if a buyer’s funds are tied up in their existing property, a home sale contingency allows them to align the timing of the sale and purchase without financial strain.

Certain contingencies can provide leverage in negotiations

  • If the inspection reveals minor issues, the buyer can request repairs or a reduction in price or threaten to walk away. Sellers may be willing to make concessions to keep the deal alive, especially in a buyer’s market, or at higher price points where demand is lower.

Minimizes financial risk

  • Without contingencies, buyers might be legally obligated to complete the purchase, even if circumstances change. For instance, if a buyer fails to secure financing and lacks a financing contingency, they could forfeit their earnest money or face legal action.

Contingencies significantly reduce this risk

  • First-time buyers often rely on contingencies to navigate the complex home-buying process. With contingencies in place, they can proceed with confidence, knowing they have room to address unforeseen challenges without severe consequences.

Cons of Writing Contingencies in Offers

Reduces Appeal to Sellers

  • From the seller’s perspective, contingencies add uncertainty to the transaction. Any type of contingency signals that the deal may fall through if the conditions aren’t met, making it less attractive than a non-contingent or cash offer. In competitive markets, where multiple offers are common, sellers are likely to favor offers with fewer strings (contingencies) attached. I’ve got plenty of stories I can share about this!

Risk of Losing the Property

  • In hot real estate markets, contingent offers often lose out to stronger, more straightforward offers. If a seller receives multiple bids, they may bypass a contingent offer in favor of one with fewer potential roadblocks, even if the contingent offer is higher in price.

Time Sensitivity and Deadlines

  • Contingencies often come with strict deadlines. For instance, a financing contingency might require the buyer to secure a loan within 30 days, or a home sale contingency might have a specific timeline for selling the buyer’s existing property. Failing to meet these deadlines can void the offer or lead to penalties.

Weaker Negotiating Position

  • Buyers with numerous or out-of-the-ordinary contingencies may have less leverage when negotiating terms such as price, closing costs, closing dates, or repairs. Sellers might be less willing to accommodate requests if they perceive the deal as uncertain or overly complicated.

Potential for Double Costs

  • A home sale contingency can leave buyers in limbo, particularly if they move forward without selling after their contingency gets called. In such cases, buyers may face overlapping costs, such as paying for two mortgages, insurance, and property taxes, until their existing property sells.

Tips for Writing a Strong Contingent Offer

Please note there is a big difference between an offer including common contingencies (think inspection, financing, appraisal) and an offer contingent on the sale of a home. If you decide to write a contingent offer, consider these strategies to make it more appealing to sellers:

Limit the Number of Contingencies

  • Include only the contingencies you truly need or that your agent communicates are common with most offers. A simpler offer is often more attractive to sellers.

Set Realistic and Short Timelines

  • Tight deadlines for resolving contingencies can reassure sellers that you’re committed to closing the deal quickly.

Provide Evidence of Financial Stability

  • Offer a larger earnest money deposit or include a pre-approval letter from a lender to demonstrate your seriousness and financial readiness.
  • A higher offer price can offset the perceived risk of a contingent offer, making it more enticing for sellers.

Negotiate a Kick-Out Clause

  • A kick-out clause allows the seller to continue marketing their home while your contingencies are resolved. If another buyer makes an offer, you’ll have a set period to remove your contingencies or step aside and withdraw/cancel your offer.

If this sounds like a lot, don’t worry. I have been successfully negotiating home sales for sellers and buyers since 2001. Let me put my years of knowledge to work for you!

Less common contingencies include:

Home Sale Contingency: The buyer must sell (close) their current home before purchasing the new one. This type of contingency is less common in a seller’s market or price points where competition among buyers is strong regardless of the overall market conditions.

Common Buyer Misconceptions of a home sale contingency offer

  • You think you are submitting a strong offer, but you’re not. A home sale contingency offer is the least desirable of all offers to a home seller. A seller accepting this type of offer is doing so in hopes that your home actually sells. Once a home seller accepts this type of offer, the showings generally slow considerably as they are basically taking their home off the market waiting for your home to sell. Because of the unknown, sellers demand a premium from the buyer.
  • You think you are actually securing the purchase of the home. You may have an accepted offer if the seller agrees to this type of contingency, but you have no type of guarantee that the home you just fell in love with will actually be the one you buy. With an accepted offer of this type, sellers continue to market their home for sale and if another non-contingent buyer submits an offer on the home, you will have “x” amount of time to prove that the home you are selling has an accepted offer on it or that you qualify to purchase the new home without selling first. Generally, the seller will only give you a few days after they call your contingency. This is referred to as a kick-out-clause. If you do not have an accepted offer on your home within that kick-out-clause timeframe the sellers can move on to the other offer and you’re back to square one. However, now you have your home on the market and you don’t know where you will move to. Additionally, sellers can call your contingency at any time, whether they have received another offer or not. They get tired of waiting.
  • You think you have the upper hand in negotiating. You could have an 850-credit score and a 50% down payment, but most sellers still want list price or higher to even consider this type of offer. They weigh the risks and require additional incentives for accepting your offer. Even if your offer was accepted by the seller, many homebuyers become afraid of losing their dream home and end up selling their current home, in a panic, for less than they could have. You might overpay by $10,000 or more on the purchase and sell for $10,000 less than you could have. It adds up quickly.

Why do sellers require a premium when accepting home sale contingent offers?

  1. They have no idea if your home is priced correctly.
  2. They have no idea how motivated you are to actually sell your home.
  3. They have no say in the qualifications of the agent you hire to sell your home.
  4. They would be accepting double the normal amount of contingencies to get their home sold. If an average buyer generally submits an offer on a home with an inspection, appraisal and financing contingency, adding one more home sale to the mix essentially doubles the hurdles needed to successfully close.

Alternatives to writing a home sale contingent offer

If you’re wary of writing a home sale contingent offer, consider these alternatives:

  1. Bridge Loan: A short-term loan that allows you to buy a new home before selling your current one.
  2. HELOC (Home Equity Line of Credit): Use the equity in your current home to fund the down payment or outright purchase of your new home.
  3. Secure an offer on your home, then write the offer on your next purchase before your current home closes. Obviously temporary housing may be needed if you have ultra specific requirements for your next home and nothing comes on the market before you close your home sale or you are unable to time the closing dates.

The new contingent home sale offer

Ever since I started my career in real estate, offers to purchase a home contingent on the successful sale of a buyer’s home have not been a common occurrence. Years ago they were. Prior to the housing bubble it seemed like everyone could easily secure a bridge loan or qualify to purchase their next home without selling first. If you weren’t willing take on that type of risk (buying before selling) contingent offers were more common.

Times have changed. Lending requirements have tightened, and many people just aren’t willing to take on the risk of double payments even if they qualify to do so. So, what are people doing to navigate the home sale then purchase process?

I recommend people start by getting their home ready to put on the market. Bring on the home stagers, pre-inspections, painters, and plenty of moving boxes for de-cluttering and pre-packing. When the home is ready for the market, we immediately start shopping! Once we find a few homes that pique your interest, we immediately put your home on the market. When an offer is secured on your home, we turn around and write an offer on the home of your choice that is contingent on the successful closing of the home you are selling. This is different than writing an offer contingent on the sale of a home. Your home already has an accepted offer on it and is waiting to close.

Bottom line

Writing a home sale contingent offer on a home can be both a safety net and a potential hurdle. While it protects buyers from financial risks and unforeseen issues, it can also reduce the offer’s attractiveness to sellers, especially in competitive markets. By understanding the pros and cons of offers with contingencies and tailoring your offer to the circumstances, you can strike a balance between safeguarding your interests and appealing to the seller.

Ultimately, whether or not to write a home sale contingent offer depends on your financial situation, the market conditions, and the specific property you’re pursuing. With careful planning and the right strategy, you can navigate the home-buying process with confidence and success. Just know that home sale contingency offers can be very emotional for people.

It can work well, under the right circumstances

Every year thousands of homes sell with home sale contingent offers. It is important to understand the situation when this type of offer has the highest likelihood of getting accepted. In fact, I usually call sellers before writing the offer to see if they would even consider this type of offer. Not every seller will. Every seller’s motivation is different, but their market time and conditions in the area you are buying and selling give a lot of weight to a seller deciding to accept this type of offer. Expecting sellers of a new listing on the market to consider this type of offer without weeks of market time exposure will let you down more times than not. While home sale contingent offers aren’t often a seller’s first choice, they can work perfectly under the right circumstances.

Give me a call to discuss your unique situation to find out how we can best to move forward in securing your next home!

Read my post called Buyer Strategy for Buying a home in Grand Junction for more tips or Buying a Home in Grand Junction that highlights the importance of hiring the RIGHT real estate agent to represent you.

Buying a home in Grand Junction - young buyers with Paul Aspelin REALTOR

My happy buyer clients!

Connect with me on LinkedIn

PAUL ASPELIN, REALTOR®
GRI, SRES®, CNE
Serving Grand Junction, Palisade, Fruita and all of Mesa County
Text/Call 612-306-9558

© 2024 Paul Aspelin, REALTOR®. MovetoGrandJunction.com Copyright protected. All rights reserved.

Photo Credit for Featured Image at top of page: © rawpixel, 123RF Free Images

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Buyer Strategy for Buying a House in Grand Junction

Grand Junction recognized by the Media as a Great Place to Retire!

You shouldn’t have to wonder about the services offered by a buyer’s agent when searching for a home. I have a very focused, customized buyer strategy for buying a house in Grand Junction, Fruita, Palisade and all-around Mesa County. Whether you are looking for one-level living with low maintenance or a larger property with plenty of options to store your RV and toys. Do you want an association to help maintain your property or do you want a place without so many rules and restrictions? Either way, I’d love to help you make sense of the real estate market in and around the Grand Valley. I can assist with other areas too if you are buying a house in Colorado, other than the Grand Valley.

I have been told that I “do real estate differently” than traditional real estate agents. That goes for listing and selling a property as well as representing buyers in Mesa County, Colorado. I don’t want to give away all of my “secret sauce” but here are a few ways I serve my clients that not every agent offers their clients… up front…to every client.

I offer the same high level of personalized service to EVERY Client, EVERY Time.

I don’t have one level of service for this price range, and a higher level of service for that price range. EVERY client gets my full attention. When we are together, I am not checking my phone, responding to text messages or taking a call. I am focused on you so I can learn more about your specific needs and provide you my opinion of the homes we view.

I’ve got a unique skill set not found with the traditional agents serving Grand Junction, Fruita and Palisade and Mesa County.  That skill set is noticing things in the homes we view that inspectors will flag. Working in the real estate market in Minnesota for over 2 decades and assisting hundreds of buyer clients, I attended EVERY inspection on EVERY home my buyers purchased. Surprisingly, that is not something traditional agents do in the Grand Valley. In fact, one inspector told me there would be an additional charge of $150 if anyone attended the inspection. What!!?? You’ve got to be kidding me?

I found a reputable inspector that welcomes agents and buyers alike so they can educate my clients on what they are buying, not just a 15 minute “go over” session at the end. After personally attending and learning from hundreds of inspections over the years, I have a different “eye” when it comes to home shopping than traditional agents. This helps my clients make better and more informed decisions before they submit an offer. You deserve a custom buyer strategy for buying a house in Grand Junction, Fruita, Palisade or elsewhere in Mesa County.

I ask a lot of questions.

I need to fully understand your property search criteria. By having a deep conversation, I often uncover nuggets of information that I can use for your specific property search and for when we put together an offer on a property. Of course, I ask about your timeline, if you have a property to sell, and your options regarding financing the purchase or paying cash. But there is so much more information I gather to help us make the best decisions. And when we talk, I listen, take notes, and hone a buyer strategy that’s right for your specific purchase.

I use my experience and knowledge.

Not only have I been creating a buyer strategy for buying a house in Grand Junction, but I have been creating some very impressive buyer offers since 2001 when I started my real estate career in Minnesota. I have learned so much along the way that I have a huge toolbox from which to pull out ideas, incentives, and language. I have successfully negotiated with some of the “top real estate agents” and let me tell you, they aren’t “all that”. I understand how to write and present offers that protect your best interests that are also attractive to sellers.  My clients are always extremely happy with my services. You can learn more about my real estate history by reading my About Paul Aspelin page.

You will understand the paperwork you sign. Every single time! Period!

About 10 years ago, the industry went through the adoption of digital signing on real estate contracts. What a time-saver for everyone involved. Unfortunately, this product has allowed agents to simply email contracts over to clients without explanation. Without the repetition of going over these contracts in front of clients and answering questions along the way, traditional agents never truly understand what they are presenting and fail to thoroughly explain the ramifications of some of the language used.

I often hear agents tell their clients “I’m not an attorney so I am going to send you the contract to read over”. A licensed Realtor® is not a licensed attorney in any way, but that is no excuse not to explain a contract YOU put together.

I was recently contacted by a customer that was having a horrible experience with the agent they were working with. I asked if they were under any type of exclusive contract with the agent and they responded, “I don’t know”. I then requested to see a copy of their representation paperwork. They didn’t have it. Their agent never sent the signed document to them! They contacted their agent to get a copy, and I was dumbfounded by what I read. I took a few minutes to explain the contract, as it was written, to the customer and they knew right away this agent had no idea what they were doing.  They actually didn’t even have a legally binding contract in place to represent their interests. The contract also failed to accurately include language outlining how compensation was paid, which is a huge mistake in light of the 2024 NAR changes. This agent has been conducting business for five years in the Grand Valley and is considered to be an agent that does a good bit of business in the luxury market. Wow! People deserve better.

When I started my career, it was a requirement to present all offers and agreements in person. You had to understand what the contracts meant, or you would be perceived as completely incompetent. This “old school” training is something that every agent should practice, regardless of the technology used in our industry, but the majority don’t.  Don’t settle for a traditional agent when it comes to representation for the biggest transaction of your life.

I put MY CLIENT’S best interests first.

Paul Aspelin Reviews and RecommendationsSome agents claim they do this, and I hope they do. However, I can tell you from my years of experience that not all agents follow the strict code of ethics that I do. Some agents are desperate to “close the deal” to “put numbers up on the board”. Not me. I have never been interested in winning a blue ribbon in any sales contest. That doesn’t motivate me. I don’t measure success that way.

I always, always put my client’s best interest first because that’s what comes naturally to me. It’s how I was taught to service my clients. Do my very best for every client, every time. I want you to have the best possible experience working with me, so you feel confident to refer me to your friends, co-workers and family. I earn referrals by making YOU happy, not my broker.

You can read the reviews and recommendations I get from past clients. So many hand-written thank you notes. They mean so much to me.

Selective buyer service.

I am at that point in my career where I can be patient, and selective, with the clients I work with. I put a lot of effort into learning about my buyer’s needs. I search the MLS for the best properties that meet their criteria, but I go beyond that by networking with other agents to find off-market properties too. Because I make such a huge commitment to my clients, up-front, I ask that they commit to me too. I want to build a relationship with my buyers. This isn’t just a “transaction” and I’m onto the next. I want to know that my buyers are serious about finding a property, not just wanting to look at properties for design ideas.

I work with a lot of buyers relocating to the Grand Valley from out of state. Many times, I am a tour guide for your first visit here. I love offering this experience. Not all agents are willing to give this level of service. I have heard stories that buyers pick out 10-12 properties to look at while they are in town and the agent says, I’ll show you 5, which ones do you want to see? Hello? Are they too busy for you or just not willing to put in the effort?

Putting together the best offer.

Here’s where I really shine for my buyer clients. I believe in strong communication throughout the process. Because I have spent the time to fully understand you and the criteria for your purchase my excitement builds. Because of my years of experience, I understand seller motivation, seller concessions, incentives, and how to put together the best offer for my clients. I have different techniques for different circumstances. Every offer has my client’s best interests in mind. Sometimes my clients don’t like to hear my advice, but I always tell them the truth and let them decide how to proceed.

I’d love the opportunity to learn about you and your buyer needs.

Call or text me at 612-306-9558. You can read my post called Choosing the Best Real Estate Agent for more information like this. I can set up an MLS search to get your feet wet.

You might want to read about my experience of moving to Grand Junction. Start with the posts about Moving Preparation and what I learned in the first three months of living here. And for a good laugh, read the post called What It’s Really Like to Drive I-70 from Denver to Grand Junction!

Buyer Strategy for Buying a House in Grand Junction

Moose in the pond behind us just south of Breckenridge CO

Buyer Strategy for Buying a House in Grand Junction, Palisade, Fruita and all of Mesa County.

Connect with me on LinkedIn

PAUL ASPELIN, REALTOR®
GRI, SRES®, CNE
Serving Grand Junction, Palisade, Fruita and all of Mesa County
Text/Call 612-306-9558

© 2024 Paul Aspelin, REALTOR®. MovetoGrandJunction.com Copyright protected. All rights reserved.

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Buying a Home in Grand Junction

Buying a home in Grand Junction

The process for buying a home in Grand Junction has changed with the NAR settlement requiring buyers to sign documents regarding representation and compensation BEFORE they even view a home. However, the need for working with the right real estate professional hasn’t changed one bit. In fact, it is more important than ever! Let me explain.

If you’re considering buying a home in Grand Junction, Fruita or Palisade it’s time to do some homework. Gone are the days of simply choosing an agent because they seemed nice at the open house or because they have been sending you recipe cards for the last six months. Buying a home in Grand Junction will be one of the biggest financial transactions of your life with more money on the line than ever before. Consumers can no longer afford to partner with part-time agents or those without the skills and expertise to help navigate you through to a successful closing.

First-Time Homebuyer, Second or Third Purchase or Relocating to Grand Junction

Buying a home in Grand Junction - young buyers with Paul Aspelin REALTOR

My happy buyer clients!

Whether you’re buying a new home in Grand Junction as a current resident or relocating to the Grand Valley, I can help. I’ve spent my 24-year career successfully helping people buy their first home, upsize, downsize, build new construction, purchase vacant land, and secure investment properties.

My years of experience and number of clients might seem like great qualifying factors for working with an agent when buying a home in Grand Junction, but I offer so much more than traditional agents. My goal is not to “sell you a home”, but to find you the RIGHT HOME. While we tour homes, I am constantly pointing out things that will get flagged during an inspection, along with communicating what I see inside and outside, as if I am the buyer purchasing a property.

My job is to provide you with all the information I can so you can make an informed decision before you submit an offer. I understand the buying process, it’s second nature after assisting hundreds and hundreds of buyers over the years. Read my post about being your personal Grand Junction Relocation Guide!

The importance of hiring the right agent to work with

In assisting buyers interested in buying a home in Grand Junction, Fruita or Palisade, I take a 3-prong approach to your journey.

Redlands 360 Easter Hill Grand Junction

My Relocation Buyers love their new house in Redlands 360 Easter Hill in Grand Junction

1) First, I make sure you understand the process at each stage of a transaction. From pre-approval with the right lender, utilizing the right loan, to what to expect from inspections, Radon testing, potential appraisal issues and other contingencies in real estate.

But where my skills really shine…

2) is in writing a purchase agreement that not only protects you, but is also attractive to the seller. I’ve worked in every type of market imaginable, and one thing I can always pride myself on… I have never been one of those agents who needed to write 10 offers for my buyer clients before we secured a home. I’m sure you’ve heard horror stories from unsuccessful buyers who literally gave up their home search out of frustration. “The market is just too difficult right now” is a common phrase heard. If that’s true, then how come the most successful agents are still finding success for their clients, even in the hottest of market conditions? It comes down to skill and experience. Two things that can only be gained through working with clients. You deserve more than to be an agent’s practice client while they try to figure out what works in this industry. I will clearly communicate what it is going to take to secure that home and only you decide which route to take with your offer.

3) My goal is to make you feel like your experience working with me was worthwhile, fun, educational, and that you understand that I have your best interest first and foremost at all times. I’ve never “sold” anyone a home, but I have successfully guided hundreds of people to make the best decision for them when buying a home.

Allow me to provide you with a home buying service nothing short of what I would do for myself. You might also like to read my post about helping you find an agent to sell your home. Best Grand Junction Real Estate Agent Referral.

Paul and wife, Michelle, at Emerald Lake, north of Crested Butte, CO

Read how my past clients have described the type of service I offer my clients, all of my clients, every time! Paul Aspelin Reviews and Recommendations. Connect with me on LinkedIn or send me an email.

Read my post about Best Grand Junction Real Estate Agents.

Text/Call 612-306-9558

PAUL ASPELIN, REALTOR®
GRI, SRES®, CNE

Grand Junction Real Estate Expert
Learn more about my experience and how I serve my clients

© 2024 Paul Aspelin, REALTOR®. MovetoGrandJunction.com Copyright protected. All rights reserved.

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Redlands 360 Easter Hill in Grand Junction

Living in Redlands 360 – Easter Hill in Grand Junction

Easter Hill Housing development is in the Master Planned community of Redlands 360

Redlands 360 Easter Hill in Grand Junction

My Buyers House in Redlands 360 Easter Hill in Grand Junction

Discover Redlands 360 Easter Hill in Grand Junction. People have always found the Redlands area of Grand Junction, CO a top location to consider buying a home. What’s not to like? The spectacular views and access to the Colorado National Monument are at your doorstep regardless of the homesite you choose. The proximity to trails for hiking and biking along with shopping, restaurants, the quaint Main Street of downtown Grand Junction, and access to the Colorado River and Riverfront Trail is all just minutes away. Let’s not forget the views of the Book Cliff Mountains including Mount Garfield and the largest flat-top mountain in the world, the Grand Mesa. Three distinctively different Redlands 360 views overlook the Grand Valley here on the western slope of Colorado.

With the higher elevation of the Redlands 360 Easter Hill in Grand Junction, tucked up close to the base of the Colorado National Monument, you get long stunning views from an exceptional high location. Wouldn’t a Redlands 360 inspired view of these spectacular landmarks make for an incredible home setting?

View from the back deck overlooking Redlands 360 Easter Hill in Grand Junction trails

That’s exactly what you’ll find when you consider building a home in the Redlands CO newest community, Redlands 360. The 600 acres of land encompassing this spectacular master planned community has long been renowned as a community gem. Originally envisioned to become an executive links golf course, the property has been hiked and biked by locals and visitors alike for the last 20 years as a privately owned but accessed space by the public.

Today, the excitement builds as the Redlands 360 community is currently offering homesites in Easter Hill and Canyon Rim 360 neighborhoods of the development. Upon entering the Easter Hill development you’ll immediately understand how the name Redlands 360 came about. The 360-degree views of everything the Grand Valley has to offer are on full display.

I’ve had the pleasure of assisting a relocation client through the Goetzmann Homes build process in Easter Hill. They found me because of this website! We met with the builder team when a spec home was just starting. My clients have been able to customize some of the finishes and modify the floor plan to fit their lifestyle. It’s been a wonderful experience working with a builder that has the experience and vision like Goetzmann Homes. The team, along with the builder, Phil, are great communicators that understand how to deliver a client experience and a home to be cherished.

Looking out the Living and Dining Room windows

If you’re planning to check out Redlands 360 Easter Hill in Grand Junction, be sure to stop by the Goetzmann model home which is tucked back into the development.  Enter the neighborhood and turn right onto Culebra Drive. The model home sits perched above what seems to be endless mountain biking single track and hiking trails steps away. Goetzmann Homes has really done an incredible job of bringing nature’s beauty inside this model home and will do the same for you when building with them on any of their gorgeous lots. Large windows provide picturesque views that draw you in while providing a light and bright open feeling. With a gourmet kitchen, main floor owner’s suite, soaring vaults in the living room, and a finished walkout lower level, you’ll find all the space you need for entertaining and living your best life. Let’s be honest though… the covered deck off the back of the home is sure to be a favorite spot for everyone looking for a Goetzmann built home in the Redlands 360 community. Come to tour the Goetzmann model but stay to enjoy the views.

View the Redlands 360 Master Plan Map.

Learn more by reading my posts about Grand Junction Real Estate and Retiring in Grand Junction (your kids and grandkids will thank you!). Let me be your personal Grand Junction Relocation Guide!

Call me today if you’d like to tour any of the Goetzmann Homes properties available in Redlands 360.

Your new happy place is waiting for you!

Text/Call 612-306-9558

PAUL ASPELIN, REALTOR®
GRI, SRES®, CNE

Grand Junction Real Estate Expert licensed in Colorado.
Connect with me on LinkedIn or send me an email.
Learn more about my experience and how I serve my clients
© 2024 Paul Aspelin, REALTOR®. MovetoGrandJunction.com Copyright protected. All rights reserved.

Redlands 360 Easter Hill in Grand Junction

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Homes for Sale with ADUs & ADU Building

Homes for Sale with ADUs in Grand Junction and Mesa County

An Accessory Dwelling Unit (ADU) in Mesa County, Colorado, refers to a secondary residential unit on a single-family lot that is independent and self-contained. Many people search for homes for sale with ADUs in Grand Junction, Fruita, Palisade and all of Mesa County. ADUs are also known as a bungalow, mother-in-law suite, cottage, secondary dwelling unit, studio apartment or tiny house. Around here, it is also called a casita, which means small house in Spanish. I personally don’t like the term granny flat, but they can be called that too! I like the term income suite.

Homes for sale with ADUs in Grand Junction typically offer units that are smaller than the primary residence and can be attached to the main house, such as a converted garage or basement, or detached as a separate structure like a backyard cottage or tiny house. ADUs are regulated by our local Mesa County zoning laws and building codes to ensure safety and compliance with housing standards.

If you’d like to see homes for sale with ADUs in Grand Junction or Mesa County, I can add that search criteria on the MLS and send you all the active listings. If you are looking to convert a property into a duplex or add an ADU, I can help with that too! Allow me to search the MLS and consult with the agents in my office regarding non-MLS properties that are available now or coming on the market soon that might meet your criteria.

Benefits of Adding an ADU in Mesa County, Colorado

Rental Income Potential

One of the primary reasons homeowners add ADUs is to generate rental income. Renting out the ADU can help offset mortgage payments, property taxes, and other housing-related expenses. The additional income stream can also contribute to financial stability and flexibility. You can also live in the ADU and rent out the primary house! Grand Junction attracts medical professionals seeking rentals, students from Colorado Mesa University (CMU), and typical individuals and families of all ages and stages of life.

Increased Property Value

Homes for sale with ADUs in Grand Junction often have higher market value due to their increased utility, flexibility, and potential for rental income. That’s also an advantage when it’s time to sell the property. It will appeal to a broader range of buyers looking for investment opportunities or multi-generational living solutions, not just a primary residence.

Flexibility and Multi-Generational Living

ADUs can serve various purposes over time, adapting to your changing needs. They can be used for guests, home offices, studios, or even as a space for aging in place, providing flexibility as lifestyles evolve. You can live in the smaller unit when you are first living on your own and rent out the larger home. Then, as your needs change and your family grows, switch! Live in the larger home and rent out the smaller one. After retirement, move back into the ADU and rent out the larger home for passive income during retirement!

Affordable Housing Solution

Here in Grand Junction, housing affordability is a concern just like everywhere else. Casitas or ADUs can be a more affordable rental option compared to larger single-family homes or apartments. This helps increase housing supply without requiring large-scale development. There are some great options here in Grand Junction, Fruita, Palisade and the surrounding communities in Mesa County.

Support for Aging in Place

ADUs can provide an opportunity for homeowners to age in place by allowing you to downsize from your main residence while still maintaining independence and privacy in a smaller unit on the same property. The rental income from the primary residence or ADU can help cover living expenses. Read my post about Retiring in Grand Junction – a place your grandkids will want to visit.

Environmental and Community Benefits

ADUs can support sustainable development goals by promoting efficient land use in urban and suburban areas. They often have a smaller environmental footprint than larger homes and can contribute positively to neighborhood character and density. Very popular around the CMU campus too. Hello student rentals!

Compliance with Zoning Regulations

Building an ADU allows you to comply with our Mesa County zoning regulations that encourage higher-density housing and urban infill. In addition to all these reasons, sometimes people just want to live in a small space, something minimal that meets their need for housing and doesn’t cost a lot of money. There is nothing wrong with wanting to “go tiny” and live in a tiny house or garage studio apartment on a property with another residence.

Give me a call to explore your options for buying a home with an ADU 612-306-9558. I’d be happy to talk about tiny living with you, rental income opportunities and more.

Grand Junction ADU Toolkit – A Fantastic Resource

In November 2025, I attended a quarterly ADU Workshop presented by Ashley Chambers, the Housing Manager for Grand Junction, at the Grand Junction City Hall. They created an outstanding publication called the ADU Toolkit. It’s a step-by-step guide to assist homeowners or contractors with the design and development of Accessory Dwelling Units in the city of Grand Junction. You can download the ADU Toolkit PDF on their site.

I also learned about the ADU Production Program where a household can apply for incentives, based on income qualifications, to subsidize the impact fees charged by the city if the homeowner keeps the ADU as a rental for 5 (Tier 1) or 7 years (Tier 2), depending on the incentive you choose. It can save homeowners who construct an ADU on their property around $9000 (Tier 1) or $15,000 (Tier 2).

In addition, the city just posted a dozen floor plans on their website of ADUs that have been built in Grand Junction as examples. Homeowners can use the plans to determine which ones might fit on their property. The plans are free. Potentially saving homeowners $3000+ if you had to hire someone to draw up your plans. The plans were done by Mor Storage, a local GJ company, and they can modify the plans to fit your property too or make them ADA compliant if you need features for someone in a wheelchair, for example.

Plus, the city’s website offers an ADU Cost Estimator, an Excel spreadsheet you can download from their ADU Resources page. They used input from local contractors to create the estimates. Here’s the link to the Resources page. ADU Resources at gjcity.org.

Thank you for visiting Move to Grand Junction! I hope to hear from you!

PAUL ASPELIN, REALTOR®
GRI, SRES®, CNE

Grand Junction Real Estate Expert licensed in Colorado.
Connect with me on LinkedIn or send me an email.
Learn more about my experience and how I serve my clients
© 2024 Paul Aspelin, REALTOR®. MovetoGrandJunction.com Copyright protected. All rights reserved.

Bonus information for your curious mind… Building an ADU

Mesa County ADU Details

In Mesa County, the regulations and laws regarding Accessory Dwelling Units (ADUs) are established to ensure compliance with zoning requirements and building codes. ADUs are allowed on single-family properties that are greater than 6,500 square feet in size. The size of the ADU is limited depending on the primary structure size. Please contact the Mesa County Planning Department at 970-244-1636 with the property address to discuss the limitations and process.

Here are some key aspects of ADU laws in Mesa County:

Types of ADUs Allowed

ADUs in Mesa County can be either attached or detached from the primary dwelling. Attached ADUs are often converted spaces within the primary structure, like a basement or garage. Detached ADUs are separate structures located on the same lot as the primary residence, such as a backyard cottage or a converted garage that is physically detached from the main house.

Zoning and Permit Requirements

  1. Zoning: ADUs must comply with zoning regulations specific to the area where the property is located within Mesa County. Zoning laws determine where ADUs can be built and the specific requirements they must meet regarding setbacks, lot coverage, and building height.
  2. Permits: Homeowners must obtain the necessary permits from the Mesa County Building Department before constructing an ADU. This includes building permits and possibly additional permits depending on the scope of construction (e.g., electrical, plumbing). Permits ensure that ADUs meet safety standards and building codes. ALWAYS get a permit!

Size and Design Specifications

  1. Size Limits: Mesa County may have regulations regarding the maximum size of ADUs allowed in an area. This can include restrictions on the floor area, height, and possibly the number of bedrooms or occupants.
  2. Design Standards: ADUs must adhere to certain design standards to ensure they blend aesthetically with the surrounding neighborhood and do not disrupt the character of the area. This may include architectural compatibility with the primary residence and neighboring properties. Homeowner Associations may have rules or guidelines too about casitas and ADUs.

Occupancy and Use

  1. Owner-Occupancy: Some jurisdictions in our area may require that either the primary residence or the ADU be owner-occupied, meaning the homeowner must live in one of the units. This requirement can vary, so homeowners should check specific Mesa County regulations.
  2. Rental Restrictions: Mesa County may have restrictions on the rental of ADUs, such as limiting rental periods (e.g., long-term vs. short-term rentals) or requiring certain lease terms to ensure compliance with local housing policies.

Parking and Access

  1. Parking Requirements: ADUs typically require additional parking spaces beyond those required for the primary residence. Mesa County has specific regulations regarding the number and location of parking spaces required for ADUs. In 2025, the city of Grand Junction removed the one parking space requirement for ADUs in Grand Junction.
  2. Access and Utilities: ADUs must have adequate access to utilities (water, sewer, electricity) and meet health and safety standards for habitable structures. Habitable means a heat source, cooking source, and bathroom.

The Mesa County Community Development Department Planning Division has a PDF you can download called a Residential Site Plan Application.  Here’s an excerpt from the document.

  • Mesa County zoning allows single-family detached housing in the R-O zone and multi-family housing in all of the county’s commercial zones.
  • Small minimum lot sizes: RSF-4 (7,000 sq. ft.), RMF-5 (4,000 sq. ft.), and RMF-8 (3,000 sq. ft.)
  • Duplexes are allowed in the RSF-2, RSF4, and RMF-5 zone districts.
  • Multi-family and single-family detached homes are allowed in the RMF-5 and RMF-8 zone districts.
  • Multi-family development is allowed in the R-O, B-1, B-2, C-1, and C-2 commercial zone districts.
  • Accessory dwelling units (ADU) are allowed on any parcel that contains a detached single-family dwelling unit.
  • All residential zone districts allow modular, manufactured, and prefabricated homes.
  • No minimum dwelling size limits.

For more information, visit the Community Development Division on the Mesa County website.

PAUL ASPELIN, REALTOR®
GRI, SRES®, CNE

Call/Text 612-306-9558

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Grand Junction Real Estate

Grand Junction Real Estate

Whether you are looking into Grand Junction real estate to purchase or sell a home, you’ve come to the right place. With my years of experience helping buyers and sellers, your Grand Junction real estate needs are my top priority. Live your vacation every day when you move to Grand Junction! I post short videos and announce new website posts on my Facebook page called Live Your Vacation in Grand Junction.

A Grand Junction Real Estate Partner You Can Trust!

Partnering with Paul Aspelin gives you the local market insight you desire and customer service you should expect. I’ve spent the last two decades of my career trying to raise the bar in an industry that has continually fallen short of expectations. I have successfully helped hundreds of clients through to a successful closing. The majority of my clients come from referrals from past clients. That should provide you with the comfort you need when considering a partnership with a real estate agent. Read my reviews and recommendations.

Whether your Grand Junction real estate needs are for purchasing or building a new home, or selling your current home, I can help.

Grand Junction Real Estate Buyer Representation

The 2024 National Association of REALTORS® (NAR) settlement requires all home buyers sign a representation contract BEFORE you visit any properties. I have already been doing this with my buyer clients. I want you to fully understand the process and answer your questions before we begin looking. A buyer relationship is more important than ever. I recommend you always interview multiple agents. You can no longer just settle on the first agent you come across online or meet at an open house. These agents can be the nicest people in the world, but if they don’t have the experience to tackle every hurdle thrown your way, things may not work out in your favor.

Together we will get you into the homes you want to see while I educate you on the properties, the process, and the positioning for a successful offer. You’ve likely heard horror stories about people having a hard time securing properties in such a competitive environment. Just know, my clients don’t need to submit 10 offers before they are successful. Experience matters.

Grand Junction Real Estate Seller Representation

Coming from the Minneapolis real estate market, I’ve noticed a significant difference between the homes listed in the Grand Junction real estate market. I know how to market homes in a more competitive environment. If you speak with an agent about listing your home and they tell you everything is perfect as it is, RUN! In over two decades of successfully assisting seller clients prepare and position their homes for sale, I have never walked into a home that couldn’t benefit from the way I help sellers get the most money for their homes.

It may sound cliché’ as every agent touts their abilities to sell homes. Allow me to show you how different and rewarding it can be. Done the right way, my process can put more money in your pocket and reduce your stress. My proven process was created by assisting hundreds and hundreds of clients since 2001. I encourage you to contact other top agents in the Grand Valley. Then, allow me to explain how I work with my valued clients. You’ll be amazed at how differently I approach listing your property, always working in your best interest. I want you to be happy.

Grand Junction Real Estate Agent Referrals

Paul Aspelin REALTORAre you a real estate agent looking to refer your out-of-town or out of state clients to a REALTOR® that can get the job done? I welcome your call to discuss your client’s needs and how I can best represent them for a successful closing. Whether your clients need to sell a home in the Grand Valley or relocate to this amazing community, I will make you look like a rock star!

You can read the many reviews and recommendations I have received over the years here on my website. I pulled together client notes and paper surveys I have collected from past clients as well as online reviews. Let them explain how I do business and my character. 😊

Live Your Vacation in Grand Junction!

Text/Call 612-306-9558

PAUL ASPELIN, REALTOR®
GRI, SRES®, CNE

Grand Junction Real Estate Expert
Connect with me on LinkedIn or send me an email.
Learn more about my experience and how I serve my clients 

© 2024 Paul Aspelin, REALTOR®. MovetoGrandJunction.com Copyright protected. All rights reserved.

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When Should I Sell My House?

When Should I Sell My House?

Are you asking yourself “When should I sell my house”? or “Is THIS a good time to sell a home”? Sellers frequently ask me these questions. What they really want to know is “when is the best time to list my house for sale” because they want a quick sale and the highest price. The spring market usually provides the highest activity but more importantly, is your house ready? I mean really ready? First let’s talk about timing, then preparation.

Historic Real Estate Market

Under historic normal real estate market conditions, there were always very predictable market periods of activity and in-activity. The spring market flurry could start anywhere from the first week of January up to June. I’ve seen active spring markets last for 5 months and I have seen them last two weeks (think 2009).

Most Realtors® will agree that it feels like the spring market instantly turns on and off like a light switch. Many have joked that the spring market starts immediately after Super Bowl Sunday.

Once it starts, an active real estate market will usually cruise along with a slowdown around Memorial Day through the first couple weeks of June as attention shifts to graduations and the start of summer.

The rest of June and July are generally steady except for the week surrounding the 4th of July holiday. Activity will slow down in the last two weeks of August as people prepare for back to school, and many Realtors® take vacations with their own family.

The fall market takes off after Labor Day weekend in September and starts to slow at the beginning of November. Not surprising, the last two weeks of December have always been slow with people enjoying family and the holidays.

Of course, there are exceptions to the norm, and economic circumstances have a significant effect on the listing and sale of homes. Election years have shown lower activity but then accelerate afterwards, no matter who is currently in office and who won the election!

Here’s a chart from the Colorado Association of REALTORS from March 2024 showing a statewide Single Family Market Overview. Over a year, you can see the increases and decreases in the number of units on the market, pending, sold, etc. You can click on their website to get Mesa County specific reports or other Colorado counties.

Market Overview March 2024 Colorado Single Family

Today’s Real Estate Market

This year is no exception with market activity coming to life in March and April, more people began to list homes for sale. I feel the rate of home showings for the rest of the year will follow normal ebbs and flows.

Any time there is limited inventory is a GREAT time to list your home. Buyers are out there waiting for homes to come on the market. Years ago, I would have estimated that four out of ten showings on a home would be from serious “I need to buy right now” buyers. The remaining six showings were people just starting to look or only “shopping” not ready to buy. Today, that ratio is more like 8 serious ready-to-move buyers out of every 10 home showings. This bodes well for sellers. It doesn’t take 50 showings to fetch a great offer on your home!

Preparing Your Property for the Market

Home prepared for the market.

I could write a whole post explaining the detailed advice I provide as a licensed real estate professional when it comes to preparing a home for the market. I want the absolute best for every client, every time. Each client deserves my full attention and my full list of enhanced services. No matter what price point their home will be listed for on the MLS.

There are several “must do” items, however sometimes I say, “Skip it, save your money”. During a consultation, I address home inspections, appraisals, home staging, cleaning and repairs, updates, etc. The thing is, each property truly IS unique. I prefer to meet with my clients in person and explain my services and advice specific to THEIR property. In fact, that initial meeting with homeowners’ lights me up. I get energized by helping create a detailed plan for success. I enjoy hearing a seller’s story. I ask a lot of questions so I can fully understand their objectives and their timeline. So, when I started this post about when should I sell my house, what I want you to think about first is if your home is truly READY for the market. Then we can talk about when to list it for sale.

If you are considering selling your property, call me for honest advice and guidance you can count on. I have been listing and selling homes since 2001. Let me put my real estate experience to work for you!

You can read the many reviews and recommendations I have received over the years here on my website. I pulled together client notes and paper surveys I have collected from past clients as well as online reviews. Let them explain how I do business and my character. 😊

Paul Aspelin Reviews and Recommendations

Michelle and Paul AspelinText/Call 612-306-9558

PAUL ASPELIN, Realtor®
GRI, SRES®, CNE

Connect with me on LinkedIn or send me an email.
Learn more about my experience and how I serve my clients
© 2024 Paul Aspelin, REALTOR®. MovetoGrandJunction.com Copyright protected. All rights reserved.

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Grand Junction Mortgage Lender

Why work with a local Grand Junction Mortgage Expert?

Guest Post written by Nicole Sears of Fairway Home Mortgage

Are you considering a relocation and home purchase in Grand Junction, Colorado? Finding the right local Grand Junction Mortgage expert is essential for a smooth transition.  Whether you need to further understand first-time homebuyer mortgage requirements, or home mortgages for self-employed people, a local Grand Junction mortgage expert can help guide the way.

Looking for a trusted Grand Junction mortgage lender?
Work directly with Nicole Sears at Fairway Home Mortgage on Main Street — local expertise and personalized service for your home loan needs.
Grand Junction Mortgage Expert

Fairway Home Mortgage is located on the corner of Main Street and 6th Street in downtown Grand Junction, Colorado

As a mortgage expert who made the transition from Denver to Grand Junction, Colorado eight years ago, I understand the complexities and excitement that come with such a significant decision.  In this guide, we’ll explore the relocation journey to Grand Junction and how a local Grand Junction Mortgage expert can help. Everything from navigating first-time homebuyer mortgage requirements to understanding home mortgages for self-employed people can be overwhelming without the help of a local Grand Junction Mortgage expert.

When it comes to securing a home loan, many people become frozen in their circumstances. It’s common to feel a bit overwhelmed with the mortgage process when buying a new home. This is one of the reasons it is so important to partner with a local Grand Junction Mortgage expert. You’re already dealing with everything else that comes along with your relocation to Grand Junction, allow me to help make this transition seamless and tailored to your needs. It’s my specialty!

Seven tips for starting the Home Loan Process when relocating to Grand Junction, Colorado

  1. Professional Advice: Seek guidance from a local Grand Junction mortgage expert like myself that is familiar with the Grand Junction market nuances. Our dedicated team at Fairway Home Mortgage is committed to assisting you at every step, from pre-approval to closing, fostering lasting relationships beyond transactions.
  2. Start Early: Initiate your mortgage journey in advance to explore available options and make informed decisions aligned with your financial goals. Our goal is to provide clarity on interest rates, down payments, closing costs, and programs you may be eligible for. This all ensures a smooth and transparent process.
  3. Secure a Transfer or Job Offer Letter: Dispelling the myth that homeownership requires years with the same employer, you can initiate the process with a solid job offer. At Fairway Home Mortgage, we specialize in facilitating smooth transitions, ensuring you secure your dream home even before your first day on the job.
  4. Remote Work Success: For remote workers transitioning to Grand Junction, our expertise lies in navigating the intricacies of remote employment and facilitating a seamless move. Our diverse mortgage programs cater to varying needs, offering solutions tailored to individual circumstances.
  5. First-Time Homebuyer Mortgage Requirements: Buying your first home should be an exciting time, however most first-time buyers are unsure of the process and don’t know where to start. Working with a trusted local mortgage expert ensures personalized guidance and support every step of the way. We are here to help navigate the path to homeownership and ensure you’re aware of all available loan and down payment opportunities specific to the Grand Junction area.
  6. Home Mortgages for Self-Employed People: Many people believe that lenders view their self-employment status as a barrier to obtaining a mortgage. However, with the guidance of a knowledgeable Grand Junction Mortgage expert, self-employed individuals can discover tailored solutions and specialized programs designed to accommodate their unique financial circumstances. We are experts in calculating and maximizing self-employed income and empowering self-employed individuals to achieve their homeownership goals with confidence.
  7. Diverse Mortgage Programs: Whether you’re one of the many self-employed people, a remote worker, first-time homebuyer, retired or military, our mortgage programs encompass Conventional loans, FHA loans, VA loans, and USDA loans, designed to meet your specific requirements. Our team is dedicated to helping you find the ideal financing solution for your unique situation.

Embarking on the journey to homeownership may seem daunting, but when you work with a local Grand Junction Mortgage expert, it becomes manageable.

At Fairway Home Mortgage, we prioritize building lasting connections with our clients. Beyond being a mortgage lender, I consider myself a friend and partner in your homeownership journey.

Whether you’re curious about mortgages, local amenities, or outdoor activities, I’m here to assist you. As someone who has undergone a similar relocation journey, I understand the importance of having a relatable resource.

Ready to embark on your homeownership journey in Grand Junction? Reach out with any questions or inquiries. I’m not just your mortgage advisor—I’m your partner in turning homeownership dreams into reality.

Get Started with Nicole

Get a sense of your potential home loan by running some numbers with our online mortgage calculator:

Explore the Fairway Home Mortgage Calculator →

Pro Tips: Choosing the Right Grand Junction Mortgage Lender

Finding the right Grand Junction mortgage lender can make a huge difference in your home buying experience. Here are some expert tips:

  1. Look for Local Expertise – A lender who knows the Grand Junction market can provide insights into neighborhoods, property values, and local programs that national lenders may not offer.
  2. Check Program Options – The right Grand Junction mortgage lender will offer a variety of loan programs, including Conventional, FHA, VA, and USDA, and will tailor solutions to first-time buyers, self-employed individuals, and remote workers.
  3. Communication Matters – Choose a lender who responds quickly, explains processes clearly, and makes you feel supported at every step. Your mortgage lender should be a partner, not just a processor.
  4. Transparency on Costs – A reputable Grand Junction mortgage lender will break down interest rates, closing costs, and any fees upfront so there are no surprises.
  5. Leverage Relocation Experience – If you’re moving to Grand Junction from another city, find a lender who has experience helping out-of-town buyers navigate the unique challenges of a relocation.
  6. Trust Referrals from Local Experts – Working with a trusted Grand Junction real estate professional can help you connect with a lender who has proven experience and reliability

“Working with a knowledgeable Grand Junction mortgage lender like Nicole Sears at Fairway Home Mortgage comes highly recommended. In my experience helping buyers relocate to Grand Junction, Nicole consistently provides a smooth, stress-free financing process, tailored to each client’s unique situation. Her local expertise, range of mortgage programs, and personal approach make her a top choice for anyone looking to purchase a home in the Grand Junction area. I confidently recommend Nicole to all my clients—whether they are local buyers or relocating— you’ll be glad you reached out to her.”
— Paul Aspelin, Top Grand Junction Relocation Realtor®

Grand Junction Mortgage Lender FAQ’s

  1. What are the most important things to consider when getting a mortgage in Grand Junction, Colorado?

Grand Junction is a relationship city through and through.  Both the agents and the sellers here want to know who’s on the other side of the deal and having a trusted local lender can make your offer a whole lot stronger. When a listing agent sees a familiar name and knows they can reach me directly, not a call center, it gives them confidence your loan is solid and your closing is going to go smoothly.  I always tell my buyers…  Your mortgage isn’t just a loan; it’s part of your negotiation strategy and having a local lender can genuinely give you an edge here.

  1. What documents do I need to apply for a mortgage in Grand Junction?

The basics are pretty much the same no matter where you’re coming from.

  • Most people will need two years of W-2’s
  • Your most recent month of pay stubs
  • A couple months of bank statements
  • A copy of your ID

Pro Tip: If you’re relocating for work, a solid job offer letter works just fine. And if you’re retiring or already retired, your “income” just looks different. Things like your Social Security award letter, pension info, or statements from your retirement accounts will be needed.

  1. Are there any local or state programs to help first-time homebuyers in Grand Junction?

Yes! Colorado has some awesome programs and Mesa County has a few specific to our area.  Colorado Housing and Finance Authority, https://www.chfainfo.com, offers down-payment assistance and competitive rates for first-time buyers. There are also local grants that pop up throughout the year.

  1. How long does it take to get approved for a mortgage in Grand Junction?

We can absolutely move fast when we need to. I’ve done plenty of same-day pre-approvals when life throws a curveball or the perfect house pops up. But honestly, my favorite way to start is with a quick discovery call. I want to hear about your goals, your timeline, and what “comfortable” looks like for you so we can build the right strategy from the start. It’s never too early to begin the process. But if you’re on a tight timeline, don’t worry, we can shift into high gear easily.

  1. Can I get a mortgage in Grand Junction if I’m relocating from out-of-state?

Yes, absolutely. I work with a ton of buyers who are moving here from other states, and the process is usually much easier than people expect. As long as you have a job lined up, a remote position, or retirement income, we can move forward just like a local buyer.

The biggest thing is staying connected. I walk you through each step, so you never feel like you’re trying to buy a house from a thousand miles away with no idea what’s going on. Whether you’re coming from Denver, Dallas, or somewhere else, we can make this smooth and stress-free.

Begin your home buying journey with confidence

Start your pre-approval with Nicole Sears, a trusted Grand Junction mortgage lender.

Get Pre-Approved →

You might also enjoy the posts written by Paul Aspelin about Retiring in Grand Junction, Relocating to Grand Junction and Why Move to Grand Junction.

Nicole Sears – NMLS #1329851
Loan Officer
Nicole.Sears@fairwaymc.com
(720) 338-8764

Fairway Home Mortgage – Company NMLS #2289
601 Main Street
Grand Junction, CO 81501

© 2024 Paul Aspelin, REALTOR® and Nicole Sears, Loan Officer. Copyright protected. All Rights Reserved.

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