Retire in Grand Junction, Colorado – contact Paul Aspelin with The Christi Reece Group. Residential Real Estate For Sale. Text/Call 612-306-9558

Grand Junction Mortgage Expert

Why work with a local Grand Junction Mortgage Expert?

Guest Post written by Nicole Sears of Fairway Independent Mortgage Company

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.

Fairway Independent Mortgage Company 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

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 Independent Mortgage Company is committed to assisting you at every step, from pre-approval to closing, fostering lasting relationships beyond transactions.
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.
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 Independent Mortgage Company, we specialize in facilitating smooth transitions, ensuring you secure your dream home even before your first day on the job.
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.
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.
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.
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 Independent Mortgage Company, 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.

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 Independent Mortgage Company
601 Main Street
Grand Junction, CO 81501

by Paul Aspelin, REALTOR

More to Know, Retire in Grand Junction

Winter Weather in Grand Junction

Retirement Weather Expectations Redefined When You live in Grand Junction

When considering a retirement destination, people often focus on housing, proximity to family, cost of living, access to healthcare, quality of life, state tax rates, winter weather, and even job opportunities. However, the one aspect that often tops the retirement location list is mild winter weather. Regardless of your personal reasoning, I urge you to explore why the winter weather in Grand Junction stands out as an ideal location for retirement.

Winter Weather in Grand Junction

For many retirees, the idea of escaping harsh winter conditions is a key factor in choosing a new home. Grand Junction, nestled in the heart of the Grand Valley, boasts winters that are mild in temperature and snowfall compared to other parts of the country. Unlike regions with challenging winters, the Grand Valley provides a comfortable climate that enhances your retirement experience. Read my post about Grand Junction Weather.

Cold Weather States

In colder weather states, there’s an unspoken expectation that retirees are required to only head to warmer destinations, like Florida or Arizona, to escape winter’s grip. However, Grand Junction challenges this norm. The decision to retire here isn’t solely about avoiding winter; it’s about embracing a balanced lifestyle and experiencing all four seasons. The Grand Valley offers something unique—a place where you can enjoy the benefits of winter without the extremes found in other cold-weather regions. You don’t have to give up winter altogether.

Grand Junction Parade of Lights

Enjoy the Change of Seasons

I was well aware of the mild winters before moving to Grand Junction. It wasn’t until I made the move to Grand Junction that I realized how much I still appreciate the joy of experiencing distinct seasons. Having lived through the brutal winters of Minnesota, I developed a genuine love for the season and winter activities, just not 6-8 months of it!

Retirement in Grand Junction means you can still enjoy the enchantment of snow-covered landscapes and the seasonal activities that winter provides. With ice fishing being a part of my DNA, a quick trip to the Grand Mesa can easily fulfill my desire to be outdoors on “hard water” as we called it in Minnesota.

You can embrace a half day of skiing at Powderhorn Mountain Resort in the morning and an afternoon round of golf at the Redlands Mesa Golf Course in the same day. If that sounds like a great day, then Grand Junction is right for you.

We have enjoyed the Fruita Parade of Lights and the Grand Junction Parade of Lights without freezing. In fact, I recommend the extremely chocolatey Polar Express hot chocolate from Main Street Bagels, only available the day of the Grand Junction Parade of Lights.

Sunshine Year Round

One of the standout features of Grand Junction is the abundance of sunshine throughout the year. I believe the stat is 300+ days of sunshine? Unlike the gloomy winters experienced in some states, the Grand Valley enjoys a remarkable amount of sunshine. No more seasonal depression brought on by cloudy grey skies here. Yay Colorado desert!

Warm But Not Too Hot

You might consider New Mexico, Nevada, or Arizona as your warm weather destination. But those places can be really hot! Almost unbearably so. I had a friend move from Minnesota to AZ with her husband after she retired. Every summer she spent indoors to be in the air conditioning. Similar to when Minnesota residents “hibernate” until spring. It was too hot for her to enjoy Arizona year-round. She ended up moving back to Minnesota.

It gets warm in Grand Junction but not so hot that you can’t enjoy the summer outdoors. Yes, you have to keep yourself hydrated and be aware of how you feel if you go up in the higher elevations (read my post about Avoiding Altitude Sickness). But it’s a “dry heat”. Read what it means to be in the Colorado desert on my Grand Junction Weather post. We don’t have the high humidity like the southeastern United States.

Redefining Retirement Expectations

Grand Junction, with its mild winters, abundant sunshine, and a perfect balance of seasons, challenges the traditional notion of needing a warm destination for retirement. If you’re ready to redefine your retirement expectations and embrace a diverse and enjoyable lifestyle, consider living in Grand Junction as your next home.

The Grand Valley has something to offer everyone, making it a truly special place to begin this new chapter of your life. Please connect with me early in your destination search and allow me to show you all the Grand Valley can offer.

Read my posts about the many reasons to choose Fruita, Grand Junction or Palisade. I can help you find just the right property in Mesa County.

Let me help you, Move to Grand Junction!
Hot Property Listings and MLS Search: paul.christireece.com

We’ve been waiting for you!

Text/Call 612-306-9558 with your questions.

Paul Aspelin, Realtor®
GRI, SRES®, CNE
The Christi Reece Group

In November, we rented a Polaris RZR ATV and got to ride on trails all day in Moab, UT. We went to Uranium Arch and other great spots. A fantastic winter activity with family and friends! It was a little muddy the day we went because it had just snowed, but it was so beautiful!

by Paul Aspelin, REALTOR

Relocating to Grand Junction, Retire in Grand Junction

JUST GET THERE- A mantra for Moving to Grand Junction

Navigating the Transition

Embarking on a cross-country move can be a daunting task, filled with numerous decisions and uncertainties. When my wife and I decided we would be moving to Grand Junction from Minnesota, we quickly realized the importance of simplifying the process and focusing on the essential first step – Just get there.

Moving to Grand Junction with our U-Haul. Nebraska sunrise.

Step One: Just Get There

The sheer magnitude of decisions that come with moving from one state to another can be overwhelming. Initially, we contemplated buying a new home immediately, given our 26 years of homeownership. However, we soon recognized that trying to handle the sale of our current home and purchasing a new one from 1200 miles away was just too stressful for us.

Our mantra became “Just get there.” This simple phrase guided us through the intricate process of preparing, listing and selling our home. We chose to prioritize our physical presence in Grand Junction over immediately settling into a new permanent residence. This decision allowed us to focus on the immediate challenges at hand without spreading ourselves too thin.

Securing Temporary Housing

To facilitate our move, we aimed to secure temporary housing in Grand Junction. This, however, proved to be a competitive endeavor with limited availability of rental units. After persistent efforts, we successfully secured an apartment, providing us the stability we needed to proceed with the listing and selling of our Minnesota home. We knew our home would sell fast and we wanted to know that we had a place to go before we put it on the market.

Home Sale Success

The real estate market can be unpredictable, but having a knowledgeable and experienced agent played a crucial role. Wink wink…. Our home sold within three days, a testament to the importance of having the right guidance during this transitional period along with the proper preparation of our home to assure a quick home sale at a top value.

Community of Like-Minded Relocators

The Book Cliff Mountains as you head East on I-70 out of the Grand Valley

Upon arriving in Grand Junction and settling into our apartment, we discovered a vibrant community of individuals who had taken the same leap of faith. Many had sold their long-time homes in other states, opting for rental housing in the Grand Valley, all in pursuit of the common goal – Just get there. It’s amazing the people you meet out on the trails!

Shared Experiences

While I was recently holding an open house in Grand Junction, I met a couple with a similar story to mine – sold their home in another state, currently renting in Palisade, and planning to buy a property within 6 months. Mrs. Buyer explained all the different decisions that were part of moving to Grand Junction. She looked at me and said, “At one point we just realized that our first step was to JUST GET THERE”. I couldn’t believe my ears. The realization that others had arrived at the same conclusion reinforced the significance of simplifying the relocation process. Which, in part, is why I created this website. You can see the current properties we have listed at paul.christireece.com.

Take the Leap

Moving to Grand Junction is undoubtedly worth the effort, but it’s crucial not to let the overwhelming process overshadow the excitement of the journey. “Just get there” serves as a mantra to remind you that you can prioritize your physical presence in Grand Junction initially. Whether it involves securing temporary housing or buying a home from a distance, I can be the reliable, experienced Realtor® who understands EXACTLY what you are going through.

Remember, the first step in a successful move to Grand Junction is simply to Just get there!
However, once you are hear, read about my Top Day Trips from Grand Junction where I share my experiences and provide tips for you! And be sure to get your Mesa County Library Card! Read my posts about the Mesa County Libraries and The Christi Reece Group’s Little Free Library location at our Grand Junction office.

Connect with me early in your relocation process to ensure a smooth transition and a successful home purchase when the time is right for you. And if you want help choosing a professional real estate agent in your hometown, let me know. I’d be happy to help interview agents on your behalf. Learn more about my story.

Other posts you might like while you consider moving to Grand Junction…

Fruita, Palisade, Grand Junction Weather, and Why Move to Grand Junction.

We are waiting for you!
Hot Property Listings and MLS Search: paul.christireece.com

Call or text me with your questions! 612-306-9558

Connect with me on LinkedIn

Paul Aspelin, Realtor®
GRI, SRES®, CNE
The Christi Reece Group

by Paul Aspelin, REALTOR

Fruita, Grand Junction, Palisade, Property Taxes and Land Ownership, Retire in Grand Junction

Property Tax Programs for Colorado Seniors

For seniors who live in Grand Junction, Fruita, Palisade and the entire state of Colorado, navigating the intricacies of property taxes can be a significant concern. The good news is that there are property tax programs for Colorado seniors to alleviate some of the financial pressures of homeownership.

In this blog post, we’ll delve into these programs, and how they can help older residents manage their property tax burdens. Although I personally still have some time before turning 65, these programs were some things my wife and I investigated when considering our move to Grand Junction, CO.

I also have my Seniors Real Estate Specialist® (SRES®) designation. It shows that as a REALTOR® I am able to meet the special needs of maturing Americans when selling, buying, relocating, or refinancing residential or investment properties. By earning the SRES® designation, I am prepared to serve mature clients with the best options and information for them to make life-changing decisions.

Property Tax Relief Programs for Colorado Seniors

Colorado offers several property tax relief programs tailored to its senior citizens. These programs provide much-needed financial support to seniors who may be struggling with property tax payments.

The Senior Homestead Exemption

The Senior Homestead Exemption is one of the most advantageous property tax programs for Colorado seniors. This program allows homeowners aged 65 or older to exempt 50% of the first $200,000 from the actual value of their primary residence. However, there are also some eligibility requirements:

The qualifying senior must be at least 65 years of age as of January 1 of the year of application.
The qualifying senior must occupy the property as his or her primary residence and be the owner of record and must have done so for at least ten consecutive years prior to January 1 of the tax year. Limited exceptions to the ownership and occupancy requirements are detailed in the qualifications section of the application.

This property tax relief initiative significantly eases the burden for seniors.

Property Tax Deferral for Grand Junction Seniors

Seniors who live in Grand Junction and are facing financial challenges can benefit from the Property Tax Deferral program, specifically designed for their needs. This initiative enables homeowners over the age of 65 to defer payment of their property taxes until the property is sold or ownership is transferred.

Disabled Veterans Property Tax Exemption

While not exclusive to seniors, the Disabled Veterans Property Tax Exemption is an essential program to mention, as it can be of great interest to older veterans and Gold Star Spouses. Disabled veterans aged 65 or older may be eligible for property tax exemptions, adding to the available property tax relief programs.

Senior Citizens and Disabled Property Tax Exemption in Grand Junction

Colorado offers a Senior Citizens and Disabled Property Tax Exemption program, further tailored to the state’s older residents. Eligible seniors aged 65 or older, who have owned and resided in their homes for ten consecutive years can benefit from this program, providing significant property tax relief.

Social and Community Benefits for Grand Junction, Colorado Seniors

Aside from property tax programs, it’s important to mention the social and community benefits that make Colorado a desirable place for seniors to retire. Many Colorado communities provide services, discounts, and programs specifically designed for older residents, fostering a sense of belonging and support during their retirement years.

For Colorado seniors, understanding and taking advantage of property tax programs tailored to their needs is crucial. The state’s property tax relief programs, including the Senior Homestead Exemption, Property Tax Deferral, Disabled Veterans Property Tax Exemption, and the Senior Citizens and Disabled Property Tax Exemption, can significantly reduce property tax burdens.

Colorado’s commitment to its older citizens extends beyond property tax programs, with numerous social and community benefits that enhance the retirement experience. By utilizing these property tax programs and enjoying the supportive community environment, Colorado seniors living in Grand Junction can make the most of their retirement years. As always, please consult with a CPA or qualified Tax Consultant before making any tax related decisions. Use the links provided to read the most current information about property taxes in Colorado.

Call/text me with your questions! I can help access the MARKET VALUE of your Mesa County property. Learn why I chose the Christi Reece team and you should too!

612-306-9558

Paul Aspelin, Realtor®
GRI, SRES®, CNE
The Christi Reece Group
Start your Property Search online at: paul.christireece.com

by Paul Aspelin, REALTOR

Grand Junction, Local or Nearby Attractions, Retire in Grand Junction

Why Choose to Retire in Grand Junction Colorado?

Why Choose to Retire in Grand Junction?

11 Compelling Reasons Why People Choose to Retire in Grand Junction, Colorado by Paul Aspelin, Realtor® with The Christi Reece Group

Grand Junction, Colorado, has emerged as a favored retirement destination for various compelling reasons. Many of these apply to people in all stages of life. And it’s not just about moving to Grand Junction, but Fruita and Palisade are fantastic destinations as well as other cities in Mesa County. Check out the whole Grand Valley area.

Before I moved here with my wife, we read about retiring in Grand Junction in a Kiplinger’s Personal Finance Magazine she picked up at the airport. We wanted to learn all about Grand Junction retirement options and benefits.

Did you know that the majority of the population in Mesa County is retirement age? Our median household income and per capita income has been rising since 2017. Mesa County is growing thanks to people migrating here from other states or other regions in Colorado. According to Visit Grand Junction, the number one thing visitors say about Grand Junction is “Your community is so friendly”. Yay! Here’s more to love…

1. Scenic Beauty

Grand Junction boasts breathtaking natural landscapes, including the Colorado National Monument, the Grand Mesa, the Book Cliff mountains and the Colorado River. Its stunning scenery and mild climate create an irresistible lure for retirees. Spring comes early and fall is long, so there’s plenty of time to be outdoors in this dry climate.

2. Abundance of Outdoor Activities

The Grand Valley offers retirees an array of outdoor recreational opportunities, such as hiking, biking, fishing, golfing, and more. This ensures an active and fulfilling lifestyle in retirement.

We are told, when Grand Junction has a mild winter, people can golf year-round. You can search online to find the numerous bike shops that rent cruiser bikes and e-bikes. Be sure to walk or ride on the Riverfront Trail that goes from Fruita, through Grand Junction and on to Palisade!

Talbott's Cider Co in Palisade, CO showing variety of hard ciders

I took this picture at Talbott’s Cider Co in Palisade, CO – shows a variety of hard ciders. A must stop on the Fruit and Wine Byway in Palisade

3. Wine Country

Located in the heart of Colorado’s wine country, Grand Junction and Palisade boast 35+ wineries and vineyards, making it an ideal place for retirees who appreciate wine tasting and cultural experiences.

Be sure to investigate the wineries first and choose a winery that offers the type of wine you like. Some specialize in dry wine, fruit wines and wine made from honey!

The Colorado Mountain Wine Fest happens annually in September at Riverbend Park in Palisade. The Colorado Mountain Winefest is not just an event for wine enthusiasts; it’s a celebration of community, cultivation, and the pursuit of excellence in winemaking.

There are many distilleries too offering specialty spirits and hard cider, like Talbott’s Farm Market and Tap Room in Palisade located on the scenic Fruit and Wine Byway.

4. Mild Climate

With over 300 days of sunshine annually, Grand Junction enjoys a mild climate, particularly attractive to those seeking to escape harsh winter weather.

I love the low humidity here in the high desert area of Colorado. I wasn’t expecting what a difference it feels like to have low humidity. Thankfully, it makes being outdoors so much more enjoyable year-round. Great for a Grand Junction retirement!

In fact, it was a 90 degree August day we moved our daughter into her CMU dorm room and we didn’t need to change clothes because we didn’t get that “sticky” feeling! It was eye-opening. However, due to the heat, we did experience one of our new Target purchases melting in the bed of our truck. That was unexpected too!

Read my post about Grand Junction Weather that includes the average high and low temps by month.

5. Affordable Living

Compared to larger cities in Colorado, especially on the front range (Ft. Collins, Boulder, Denver, Colorado Springs area), Grand Junction, Fruita and Palisade offer a more affordable cost of living. Housing, utilities, and other expenses are budget-friendly. Read my post about Property Tax savings for seniors and others. They are so much lower here than what we experienced in Minnesota!

I can set you up on an MLS search so you can compare different areas to live within the Grand Valley. I have especially noticed a lower cost for groceries and fresh produce in particular. When you come visit, walk through a City Market and see how it compares to your local grocery store prices.

Luckily for us, Palisade, Grand Junction and Fruita all have wonder Farmers Markets that run during the summer months, amazing produce! And there’s a property tax benefit for those 65+ that is the subject of another post on this website, so look for that!

6. Access to Quality Healthcare

Grand Junction is home to renowned healthcare facilities, including St. Mary’s Medical Center and Community Hospital, ensuring retirees have access to quality healthcare. There is also a hospital in Fruita. St. Mary’s is a regional hospital serving communities 1-2 hours away. Healthcare is Grand Junction’s largest industry, government and Colorado Mesa University are also larger employers in this region.

7. Cultural Vibrancy

Grand Junction offers a vibrant cultural scene with music festivals, art exhibitions, theaters and local events, providing retirees with entertainment and opportunities for engagement. Many locations offer reduced ticket fees. Mesa County Libraries support cultural programs too. Check out my posts about Mesa County Libraries and the new Little Free Library at the Christi Reece Group office in Grand Junction.

8. Welcoming Community

The friendly and welcoming community in Grand Junction fosters a strong sense of belonging and connection for retirees. There are many clubs and organizations you can consider, like the Friends of Mesa County Libraries. And it’s easy to fly here thanks to the Grand Junction airport. Read about my airport experience!

Took this photo on our last trip to Arches National Park. We brought our visiting relatives for a tour.

9. Proximity to National Parks

Grand Junction is close to national parks like Arches and Canyonlands in Utah, making it an excellent base for exploring the great outdoors during retirement.

Fun fact, if you want to know how far you are from the Utah border, simply look at the street signs. 25 Mile Road means you are 25 miles from the border. Sorry about the crazy half mile roads like 24 1/2 mile. Unfortunately, I’m not sure why they weren’t more creative when naming the roads around here. Particularly, the really weird ones like F 3/4 road. But I’ll admit, when we visit our friend off of “F ‘n three fourths” we do chuckle saying it out loud.

Sorry to get sidetracked. Moab, Utah is about 1.5 hours away, 90 miles and is a great base for going into Canyonlands or Arches and the local state parks. Additionally, you need to schedule a Timed-Entry into Arches, so visit their website first to make a reservation before you drive there. Ask me about tips for that too!

10. Low Crime Rate

Grand Junction maintains a relatively low crime rate, contributing to retirees’ sense of safety and security. You can learn more by contacting the Grand Junction Police Department directly.

11. Lifelong Learning Opportunities

Retirees in Grand Junction can continue their education through classes at Colorado Mesa University. You can gain access to libraries and cultural institutions. Learn about the CMU Golden Scholars program for persons 60 years of age and over to take courses at a discounted rate without the stress of earning a grade. Learn something new!

Learn more “things to do” in Grand Junction, Colorado on the Visit Grand Junction website. Read what I learned after the first three months of living in Grand Junction, CO. It’s the post with the toilet paper image! And, great for any age, read my experience and tips on the Top Day Trips from Grand Junction, with photos!

In summary, the combination of natural beauty, outdoor activities, affordable living, and a welcoming community positions Grand Junction as an appealing destination for retirees. Especially those seeking a high quality of life and an active retirement. Therefore, prospective retirees should conduct thorough research and visit the area to ensure it aligns with their specific preferences and needs. Ask me about planning a Grand Junction retirement!