Tag Archive for: Grand Junction Real Estate
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.
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
- 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.
- 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 Home Mortgage, 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 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:
- 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.
- 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.
- 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.
- 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.
- 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.
- 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
- 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.
- 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.
- 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.
- 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.
- 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.
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.
What I learned in my first three months
Living in Grand Junction has been a better experience than my wife and I expected. There are lots of things to do in Grand Junction, Colorado that’s for sure! I want to share some things we’ve learned. They might help you, should you decide to live in Grand Junction, Palisade, Fruita or anywhere in Mesa County. Let me know what you think! Text/Call me anytime with your questions or share your story with me. 612-306-9558. I also post short videos and announce new website posts on our Facebook page called Live Your Vacation in Grand Junction.
Save Money on Gas
Save Money on GasWe moved from a suburban area with a population of 100,000+. It was a 20-minute drive to the mall with major department stores, or 10-15 minutes to closer cities that served most of our needs. However, living in Grand Junction is saving us money on gas. Where we are located, going to Target, the grocery store or the mall is under a 2-mile drive. Getting to Main Street downtown takes 10 minutes. Because everything is so close, we are spending way less on gas for everyday services. That was a surprise.
Gas prices seem average overall. City Market gives a discount on gas when you shop there. Get their app. And even better, save on gas throughout the Grand Valley when you use the Upside App. Use my code to get you an extra $.15/gallon cash back the first time you fill up. Use code: UK3UT.
Elevation vs. Population
In Minnesota, as you approached a new city along the Interstate, the sign included the population. In Colorado, elevation takes center stage over population on road signs. At first, I thought that was amusing, but now I find it quite helpful. Grand Junction’s elevation is officially 4,646’ above sea level. We are surrounded by the Book Cliff Mountains, the Colorado National Monument, and the Grand Mesa. All mountains that increase the elevation another 1,000 to 6,000+ feet higher. As you drive into the mountains its fun to realize your elevation, especially as you drive over the scenic mountain passes.
You might also like these posts: What is the Grand Valley and How to Avoid Altitude Sickness.
Grand Junction Bike and Trail Map (click to enlarge)
Grand Junction is Bike Friendly
Because of the warmer weather, people ride bikes year-round here. That means you’ll likely see bikers on your regular car outings so keep your eyes open. Stay vigilant. When you approach a stoplight and you want to turn right, stay back until you know the crosswalk is clear of bikers and pedestrians. And watch over your shoulder as bicyclists can come up behind you quickly. And never pull up too far at any stoplight, stay out of the crosswalk because there are people everywhere, especially downtown. The city has done a good job adding specific bike lanes alongside traffic to keep riders safe. Here’s a great map from Mesa County so you can see which major streets have bike lanes. The map also includes trails like the Colorado Riverfront Trail. Grand Junction Bike and Pedestrian Route Map
Community Focused
I am amazed at the number of events and activities going on in Fruita, Grand Junction, Palisade, and all over Mesa County. Everyone is very friendly here and always willing to share what they are up to. There are so many websites, Facebook pages and other social media accounts you can follow to find out what to do in the Grand Valley. Dining, outdoor adventures, wine tours, hiking, biking and so much more. I subscribe to many of the sites and pages and appreciate the advanced notice for upcoming events.
The Business Times is a local paper that helps keep me informed about business related community news. I also follow the Grand Junction Economic Partnership on LinkedIn and I subscribe to their newsletter. There are a lot of start-up businesses in the area and many remote work-from home professionals. You’ll find book clubs, professional organizations and so many recreational outings and clubs. There is no shortage of community involvement. And I didn’t even touch on the many wonderful nonprofit organizations!
Tourism is important to the Grand Valley. 30% of Grand Junction’s sales tax revenue comes from tourism. There are 6300 employed in the tourism industry in Mesa County. At a recent Western Colorado Economic Summit, I heard from city and tourism leaders from Fruita, Palisade and Grand Junction. They all commented that they keep a balance between tourism and community and that community (residents and businesses) always come first, tourism second. I like that philosophy! And the representative from Visit Grand Junction said the most common comment they hear from visitors is that the people of the Grand Valley are so friendly, that’s awesome!
Blaine’s Farm Store near Palisade has fantastic produce and gifts
The Best Produce at Incredible Prices
There is so much local produce available for people living in Grand Junction. Of course, the Palisade peaches top the list, but the freshness and variety of plums, apples, pears and locally grown vegetables are all exceptional. When our daughter started at CMU, she said, “I don’t think I ever realized what a tree ripened pear tasted like until I started living in Grand Junction.” Amazing! I’ve also found that the prices on other produce not grown locally can be half the price I was paying in the Midwest and much fresher. Must be the proximity to California. Either way, be prepared to eat fresher, better, and less expensive produce when living in Grand Junction.
Everyone Has a Story
No matter who you talk to, everyone has a story about how they ended up living in Grand Junction. Some people attended Colorado Mesa University and never left. Others met their current partners elsewhere and came back home to live in Grand Junction. Some relocated for work or family, and many just fell in love with living the lifestyle the Grand Valley offers.
Every time I meet someone new, they ask what brought me to the Grand Valley. I always answer with “A desire to be closer to our children. And weather, and scenery, and quality of life, and location and the sense of community and the Palisade peaches and…” the list goes on and on! I’ve learned that almost everyone decided on living in Grand Junction for the quality of life, and the opportunity to enjoy the outdoors year-round and experience all four seasons.
Diverse Housing and New Construction
Living in Grand Junction, or anywhere in Mesa County, you have many choices for housing. In fact, we are finding it hard to choose exactly where we want to live in Grand Junction. Or maybe we end up in Fruita or Palisade. Modern, traditional, and historic homes coexist. Homes were first built in the late 1800’s or early 1900’s. We have an abundance of homes currently under construction today. Numerous neighborhoods and varying price ranges cater to different preferences. You can choose an urban lot, a little larger suburban lot, or there are lots of stunning acreage lots for sale in Grand Junction, Fruita, Palisade, Loma, Mack, Orchard Mesa, East Orchard Mesa and beyond.
What we have found helpful is to ask people where exactly they live in Mesa County and why. We want to know what they like and don’t like about where they live now. Ask me about homesteading in Whitewater along Kannah Creek! It’s really helping us to narrow down our geographic choices. When you look at sites like Realtor.com, just remember that not all properties are listed on the MLS or advertised on the Internet. I collaborate with local agents. I know when there are properties coming on the market well before the public knows. So, if you have certain criteria and you just aren’t finding it online, text or call me.
House Hacking is Alive and Well in Mesa County
If you are looking for ways to lower your monthly out of pocket expense for housing, then consider some of these house hacks. Many cities in Mesa County allow ADUs, an Accessory Dwelling Unit. That means you can legally have a second residence on your property. 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. Call the Planning Department at 970-244-1636 with the address to discuss the limitations and process. The second unit could be a tiny house, a converted garage or other small structure. It’s a way to earn rental income to offset your housing costs. Read my post about ADUs in Grand Junction.
Another hack is roommates. Consider a property with a mother-in-law suite within the primary residence where your renter has their own private entrance. Or rent your spare bedrooms. You can even rent garage space or allow someone to store an RV on your property for a fee. All of it can create rental income to offset your cost of living. Many homes by Colorado Mesa University have been remodeled to maximize bedrooms and rental opportunities for landlords.
As I tour more properties in the Grand Valley, I see so much potential. Living in Grand Junction can be as diverse as you’d like it to be when it comes to housing.
The Temperature isn’t the Temperature
Adjusting to the Colorado desert climate involves understanding temperature nuances. Coming from the Midwest, we had to deal with humidity in the summer. Not as much as the southeast, but it made a difference. Ninety degrees and high humidity is not like ninety degrees with low humidity. The high desert allows me to enjoy those 90-degree days outdoors instead of wanting to stay inside with air conditioning. So far, the fall has been fabulous. December in the Grand Valley is like October in Minnesota. Every time we walk out the door, we are thankful to be here to enjoy the mild temps. Depending on where you are moving from, living in Grand Junction or Mesa County could be a big change for you too. I share the average monthly temperatures in my post called Grand Junction weather.
When it’s 40 degrees outside, I reach for my hat and gloves before I walk out the door, like I used to do. But so often, I don’t need them because 40 degrees feels warmer here than in the Midwest. The proximity to the sun at higher elevations intensifies its effects, makes it feel warmer than what we think it should feel like. When you step into the shade, you can really feel a drop in the temperature. We are still adjusting to it. Always dress in layers. And the locals have taught us, if you don’t like the weather, wait 15 minutes and it will change. And it does!
Always be prepared!
Keep Toilet Paper in Your Car
Yeah, this is a strange one. If you go exploring, you can’t count on a vault toilet or outhouse to have toilet paper for you or your passengers. And sometimes you are just lucky to have a facility at all. Road trip essentials. Keep toilet paper in your car, hand sanitizer or wipes, and other necessities that public restrooms might not supply. With the dryer weather, I also recommend some hand lotion. And it’s important to use sunscreen during the winter because the glare off the snow can cause sunburn. We keep extra sunglasses in our glove box for our “adventure trips” in case our passengers don’t have any. We stopped at many rest areas and visitor centers where there was no toilet paper. And remember, when you hike, pack it in and pack it out. Do not leave toilet paper in nature. Bring a bag for all of your trash. Oh, and if you haven’t been advised yet, bring lots of water!
Be sure to read my Top Day Trips from Grand Junction post where I share our personal experiences and tips for you. And the Grand Junction airport experience!
And, of course, Grand Junction isn’t perfect. You can read my post about some of the Cons of Living in Grand Junction.
Your Story
Discover your story in Grand Junction. Reach out to me at 612-306-9558 for more insights and guidance on making Grand Junction your home. Ask me about the time the sheep got out in Fruita and blocked traffic on I-70! I have plenty of stories to share. I’d love to show you around the Grand Valley and help you discover the perfect place to call home.
Live your vacation in Grand Junction!
Check out my custom license plate!
Text/Call 612-306-9558 with your questions.
Paul Aspelin, Realtor®
GRI, SRES®, CNE
Serving Mesa County
© 2023 Paul Aspelin, REALTOR® MovetoGrandJunction.com. Copyright protected. All Rights Reserved. Licensed in Colorado.
Grand Junction Weather Summary by Month
So, what is the Grand Junction Weather like you ask? Read this monthly summary before you travel to the area for a visit or make your move to Grand Junction. When it comes to packing your clothes, layers work best here in every season.
Choosing to live in the high desert of the Grand Valley in Colorado offers a unique and appealing lifestyle for various reasons. The term “high desert” refers to an arid region that is elevated in altitude. In the case of the Grand Valley, it encompasses Fruita, Grand Junction, Palisade, and its surroundings in Mesa County.
One compelling reason to live in the high desert is the climate. The Grand Valley experiences over 300 days of sunshine annually, coupled with low humidity. This results in a dry climate, making the region ideal for those who appreciate brilliant clear blue skies and a distinct four-season climate. The dry air also contributes to the stunning landscapes, with the Book Cliffs, Colorado National Monument, and the Grand Mesa providing breathtaking views.
Spring flowers in the desert. Photo Credit: Emma Aspelin
Winter and Early Spring Weather
Grand Junction, CO boasts a diverse climate, with each month offering a unique weather experience. In January, temperatures range from an average high of 38°F to a low of 18°F, providing a crisp winter atmosphere. February sees a slight uptick, with highs around 45°F and lows near 24°F, hinting at the imminent arrival of spring. Relief is on its way already! Read my post about winter weather in Grand Junction.
Spring Weather
As March unfolds, Grand Junction experiences a pleasant transition, with average highs reaching 56°F and lows hovering at 31°F. The arrival of spring brings a burst of vibrant colors as early spring flowers, such as tulips and daffodils, bloom. Typically, these delightful blossoms begin to emerge in late March to early April, adding a picturesque touch to the landscape.
Spring fully emerges in April, painting the landscape with vibrant blooms from more plants, as temperatures climb to an average high of 66°F and a low of 38°F. Making it a great time to hike! May showcases the region at its best, boasting comfortable highs of 76°F and lows of 47°F.
Hiking and biking in the Grand Valley is a wonderful experience in the springtime, but avoid the trails if the are wet. Riding on a wet trail will form ruts when it dries, making it extra bumpy for riders until the next rain, which is infrequent.
Fall on the Grand Mesa
Summer Weather
With the arrival of summer in June, Grand Junction basks in warm temperatures, with an average high of 89°F and a low of 57°F. July, the peak of summer, offers the warmest weather, featuring highs around 94°F and lows near 63°F. August maintains the summer heat, with temperatures ranging from an average high of 92°F to a low of 61°F. But don’t worry, humidity is low, so heat isn’t so bad. Keep drinking water.
Palisade is renowned for its wineries and vineyards, taking advantage of the unique Colorado desert. The warm days and cool nights are loved by the grapes, peaches, apples, and other plants in the area. Ready my post about Crawford State Park or Ridgway State Park for places to get into the water during the warm summer months. Read my post about summer weather in Grand Junction.
Fall Weather
As fall unfolds in September, Grand Junction weather experiences a pleasant cooldown, with average highs at 82°F and lows at 51°F. Leaves start to turn up on the Grand Mesa. October ushers in the beauty of autumn, showcasing highs of 68°F and lows of 39°F. Leaves start to turn color in the Grand Valley, it’s beautiful. Roses still bloom in late October! November sees a gradual shift to winter, with average highs dropping to 51°F and lows reaching 28°F. Very manageable.
Ice Fishing Riffle Gap State Park in December
In December, Grand Junction embraces winter’s chill, with average highs at 40°F and lows at 20°F. But it’s not too cold to enjoy the seasonal Parade of Lights in Fruita and Grand Junction. We saw these people ice fishing in Riffle Gap State Park in December!
Grand Junction weather highlights the city’s diverse climate, making it an ideal destination to live year-round. Get today’s forecast from the locals at KKCO First Alert Weather.
Overall, living in the Colorado desert of the Grand Valley combines a distinctive climate, stunning landscapes, outdoor recreation, making it an appealing choice for residents seeking a unique and enriching living experience. Read my post about golfing year-round at Grand Junction golf courses.
Learn More
Thinking about moving to Fruita, Palisade, and Grand Junction Colorado? Find out what makes each city unique.
Let me know if I can help with your search for the best property in Mesa County to meet your needs! We are waiting for you!
Call or text me with your questions! 612-306-9558
P.S. If you ever want to go ice fishing, give me a shout! I’m always looking for a friend to fish with.
Connect with me on LinkedIn
Paul Aspelin, REALTOR®
GRI, SRES®, CNE
Grand Junction Real Estate Expert
© 2023 Paul Aspelin, REALTOR® MovetoGrandJunction.com. Copyright protected. All Rights Reserved.
Embracing the term “Grand Valley” as you consider a move to Grand Junction, Fruita, or Palisade
As you embark on the adventure of moving to Grand Junction, Colorado like I did, you’ll quickly become familiar with the locals’ affectionate term for the area – the Grand Valley. Comprising the charming cities of Grand Junction, Palisade, and Fruita, the Grand Valley is a region unlike any other. It’s defined by its unique geographical features, rich agricultural heritage, and a vibrant community spirit.
Geographical Marvels
The Grand Valley owes its title to its strategic geographical location. Bounded by the Grand Mesa (elevation: 11,332′), the Colorado National Monument (4,000-7,000’ elevation), and the Book Cliff Mountains (starting at 5,500’ elevation). This three-sided valley is a natural wonder. The Book Cliffs continue into Utah and rise to over 8,500’.
The Grand Mesa, the world’s largest flat-top mountain, stretches over 500 square miles and has over 300 lakes and a variety of lodges and cabins. Conversely, the Colorado National Monument showcases stunning red rock monoliths and breathtaking canyon views. A great place to go for a drive or take advantage of the many hiking trials. The Book Cliff Mountains complete the panorama, extending over 250 miles into Utah. I am constantly in awe at the diversity of eco systems and opportunities to enjoy so much in the Grand Valley.
You can learn more about the geology and paleontology of the area by visiting the Museums of Western Colorado.
Colorado River Connection
The lifeblood of the valley, the Colorado River, weaves through this picturesque landscape, contributing to its geographical and recreational significance. The term “Grand” in Grand Valley and Grand Junction itself stems from the Colorado River, formerly known as the Grand River, and the confluence with the Gunnison River at the heart of the valley.
Agricultural Abundance
Fertile soil is the heartbeat of the Grand Valley, making it an agricultural haven. Orchards, vineyards, and vegetable farms thrive here, producing some of the finest fruits and vegetables. Literally some of the best fruit and produce you have ever tasted comes out of the Grand Valley. The farm-to-table dining scene, especially the renowned Palisade peaches, adds a delightful flavor to the culinary experience. Don’t get me started on the Palisade peaches, oh my! Learn more by reading our Palisade post.
Scenic Diversity
The valley is a visual feast, offering a diverse landscape within a short drive. From the high desert red rock monolith formations to the alpine feel of the Grand Mesa and the classic Colorado mountains. The region captivates with its varied beauty, all within a 45-minute radius. You can literally ski at Powderhorn Mountain Resort in the morning and drive back down into the Grand Valley for a game of afternoon golf. How cool is that! The change in elevation makes a big difference. Check out my post on how to avoid altitude sickness.
Taken from the airplane as we left GJT airport
Grand Junction’s Central Role
Grand Junction, the largest urban center in the Grand Valley, serves as a hub and reference point for the entire region. Described as the “biggest small town.” Grand Junction seamlessly blends big city amenities with small-town charm, creating a unique and welcoming atmosphere. Many of the Mesa County service offices are in Grand Junction, Colorado.
The Happy Valley
I met a gentleman at the downtown Grand Junction Farmers Market and told him my relocation story from Minnesota. He said, “Welcome to the Happy Valley”. I said, “isn’t it welcome to the Grand Valley?” He responded with “only until you truly understand how special this place is”.
Historical Roots
The term “Grand Valley” has deep historical roots, dating back to the late 19th century when the area witnessed significant settlement and development. Shaping its identity and character. According to Wikipedia, “George Addison Crawford (1827–91) purchased a plot of land. On July 22, 1882, he incorporated the town of Grand Junction. He planted Colorado’s first vineyard near Palisade, Colorado, causing the area to become known as the Colorado Wine Country.” The name “Grand Valley” has been associated with the area since the mid-nineteenth century.
Cultural Emblem
Over time, “Grand Valley” has evolved into more than just a geographical term; it embodies the cultural identity of the region. The name reflects the unique combination of geography, history, and community that defines this hidden gem in Colorado.
As you immerse yourself in the Grand Valley’s wonders, from its geographical marvels to its agricultural bounty and vibrant community, you’ll come to understand why locals cherish it and proudly call it home.
Welcome to the Grand Valley, where every corner tells a story, and every day is an opportunity to embrace the grandeur that surrounds you. If you’re planning a trip to the Grand Valley to consider a possible relocation, I’d love to help you make the most of your time while you’re in town. Call me for a tour!
Grand Valley Overlooks
Photo taken from a McInnis Canyons trail overlooking Fruita
The first place that comes to mind to see much of the Grand Valley is to drive Rim Rock Drive in the Colorado National Monument. You can stop along the way at the pullouts and get spectacular views of the canyons and the whole valley as you look East towards the Book Cliff Mountains. The Palisade Rim Trail provides a wonderful elevated view of Palisade. Or if you are brave, climb Mount Garfield!
You can start at the trailhead for Dinosaur Hill in Fruita. There’s a picnic spot at the top with panoramic views of the Grand Valley and interpretive signs along the way about the dinosaurs found on that site along the Colorado River.
Learn more about the area by visiting our posts about Grand Junction, Fruita and Palisade. Plus monthly average temps in our weather post!
I post short videos and announce new website posts on my Facebook page called Live Your Vacation in Grand Junction.
Call or text me with your questions! 612-306-9558
Connect with me on LinkedIn
Paul Aspelin, REALTOR®
GRI, SRES®, CNE
© 2023 Paul Aspelin, REALTOR® MovetoGrandJunction.com. Copyright protected. All Rights Reserved.
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. Ask me more about why retire in Grand Junction Colorado and taxes.
Call/Text: 612-306-9558
Paul Aspelin, REALTOR®
GRI, SRES®, CNE
Serving Mesa County
© 2023 Paul Aspelin, REALTOR® MovetoGrandJunction.com. Copyright protected. All Rights Reserved.
Why Choose to Retire in Grand Junction?
11 Compelling Reasons Why People Choose to Retire in Grand Junction, Colorado by Paul Aspelin, Realtor®
Stay informed by watching my short videos and reading announcements on my Facebook page called Live Your Vacation in Grand Junction.
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!
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 post about Mesa County Libraries.
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!
Ready my post about 55+ Communities in Grand Junction or Don’t Wait! Semi-Retirement in Grand Junction.
Learn more on my Get Started page. Live Your Vacation in Grand Junction!
Learn more on my Text/Call me with your questions! 612-306-9558
Paul Aspelin, REALTOR®
GRI, SRES®, CNE
Licensed in Colorado – Serving Mesa County
© 2023 Paul Aspelin, REALTOR® MovetoGrandJunction.com. Copyright protected. All Rights Reserved.
