Cherry Creek Mortgage, Derek Steele, NMLS# 347904

Just in! FHA has announced increased loan limits for 2021! New baseline loan limit: $356,362 New ceiling limit for high cost areas: $822,375... Find the limits that apply to your specific area on FHA’s website here: https://hubs.la/H0C36Vr0

FHFA 2021 limits have been announced! New baseline loan limit: $548,250 New ceiling limit for high cost areas: $822,375 To view the 2021 Fannie and Freddie conforming loan limits for your specific county, check out FHFA’s website: https://hubs.la/H0C3g_f0

How to Create a Family Command Center that Will Keep You Sane: A family command center is a great way to keep track of everything that's happening in your household! 1. Pick a high traffic space... If it’s in plain sight, you’ll be more motivated to keep the space organized and stay on top of maintaining your command center. 2. Hang a calendar A shared calendar can help keep your family’s schedule organized. 3. Create a communication board Whether it’s a whiteboard, chalkboard, or a cute notepad, a communication board will provide a space where the family can talk to one another. 4. Install hooks and baskets Give each family member their own hook and basket for coats, hats, paperwork, lunch boxes, backpacks, and other daily items. This will make getting ready in the morning a breeze and help keep your home tidy when everyone gets home at the end of the day.

The magic of the holiday season starts at home. From watching holiday movies in the living room to making Christmas cookies in the kitchen, your home is more than just a house especially during the holidays! We’re honored to help guide you through your home ownership journey and make your at-home holiday traditions possible.

We want to wish you all a very Happy Thanksgiving!

PLEASE nominate a firefighter to WIN our Giveaway! With so many communities across the country being impacted by wildfires, we want to thank the firefighters who heroically fight these fires and save lives. We are excited to gift $100 gift cards to 10 amazing firefighters! To enter, simply comment below and nominate a firefighter in your life that is working so hard to fight these fires. If you are a firefighter, share how you are taking care of yourself while battling these... fires. We can’t wait to choose our winners on Monday! Rules: Winners will be chosen at random. Contest runs from Monday October 19th - Monday October 26th. Winners will be announced on Facebook and Instagram and notified by private message. Winners will have 3 days to respond once they are notified. If no response, another winner will be chosen at random. Offer excludes all employees of Cherry Creek Mortgage Company or any dba of Cherry Creek Mortgage. . . . #thankafirefighter #giveaway

HAVE YOU ENTERED TO WIN? We are excited to gift $100 gift cards to 10 firefighters who are working so hard fighting fires all over the country! To enter, simply comment below and tell us how you are taking care of yourself while fighting fires OR nominate a firefighter in your life that is working so hard to fight these fires!... Rules: Winners will be chosen at random. Contest runs from Monday October 19th - Monday October 26th. Winners will be announced on Facebook and Instagram and notified by private message. Winners will have 3 days to respond once they are notified. If no response, another winner will be chosen at random. Offer excludes all employees of Cherry Creek Mortgage Company or any dba of Cherry Creek Mortgage. . . . #thankafirefighter #giveaway

GIVEAWAY ANNOUNCEMENT! Are you guys ready to thank some amazing FIREFIGHTERS? With fires burning across the country, we know that firefighters are working long hours in extreme conditions to save so many homes and lives. We want to say THANK YOU! We will be gifting 10 firefighters $100 gift cards! ... To enter, simply comment below and tell us how you are taking care of yourself while fighting fires OR nominate a firefighter in your life that is working so hard to fight these fires! Rules: Winners will be chosen at random. Contest runs from Monday October 19th - Monday October 26th. Winners will be announced on Facebook and Instagram and notified by private message. Winners will have 3 days to respond once they are notified. If no response, another winner will be chosen at random. Offer excludes all employees of Cherry Creek Mortgage Company or any dba of Cherry Creek Mortgage. . . . #thankafirefighter #giveaway

Have you ever wondered what upgrades will increase the value of your home? Here are the top home upgrades that deliver the largest increase in your home’s value for each dollar you spend. Kitchen Upgrades: The heart of the home and the first thing buyers look at. * New counter tops, upgraded flooring, and new/energy efficient appliances top the list of best kitchen upgrades.... Bathroom Renovations: Make an impact by creating a clean and relaxing space. * Use modern and low-flow fixtures. Energy efficiency upgrades: Buyers appreciate eco-friendly updates and reduced bills. * Low-cost upgrades: LED lighting, proper filters, weather stripping. * mid-cost upgrades: SEER Rated HVAC systems, blown-in insulation. Landscaping improvements: Try one of these low cost, high impact opportunities to improve curb appeal. * Xeriscaping. Natural and low-water plantings that are beautiful and budget friendly. * Clear debris from yard, gutters, and underneath structures to provide a clean slate for the new owner. What upgrades have you made to your home?

For many, fall is the time to decorate their front porch. Here are some ways to make the most of your front porch this fall! https://hubs.la/H0xVY860

The road to selling a home can be a long one. Learn to improve the value of your home based on your budget with these 30 tips. https://hubs.la/H0xLHJC0

The line between our home lives and work lives is becoming blurred as more employees are working from home. As working from home continues to become the norm, the needs and search criteria of home buyers and home owners are changing. Here are 3 ways remote work is changing home buying: - Unlocking home ownership for first-time home buyers: According to Zillow Seattle, remote work could unlock home ownership for nearly two million renter households. For many renters in high co...st-of-living cities, housing prices are the prohibitive factor to becoming home owners. With the rise of remote work, these renters can pursue buying a home in a less expensive area while maintaining their current jobs. - Moving away from cities and major job hubs: A New York Times article explains that remote workers are more open to leaving expensive business-hubs, such as Los Angeles or New York, to reside in smaller, less expensive cities that offer a higher quality of life. This should lead to ascending real estate values in the most beautiful vacation spots, though it will take some time for that trend to accelerate as people reluctantly leave more ‘target rich’ environments for the tranquility of their desired turf, according to a Forbes article. For workers who only go into the office once or twice a week, a long commute could be a worthwhile tradeoff for the better schools and lower crime rates of the suburbs. - Having a dedicated office space: Where people want to live isn’t the only thing that’s changing with the rise of remote work. We’re also seeing a shift in what buyers are looking for in their homes. Having a dedicated office space is paramount for buyers who are working from home. Whether it’s an extra bedroom, finished basement, or first-floor office, buyers want an enclosed space where they can work without distraction. If working from home has you thinking about relocating or upgrading to a home with an office, reach out today. Let’s start a conversation about how to achieve your goals.

Moving to a new home is an exciting time for your whole family! However, with a move comes change, hard work, and some stress. If you have younger kids and you want to make the process easier on them, here are some tips to help minimize stress around a big move. - Check out the new neighborhood: Take your kids for a walk to look at parks, nearby amenities, or pools and help them get excited about their new spot. If your kids are transferring schools, you could visit the schoo...l beforehand or spend some time on the playground on a weekend so they can get used to their new surroundings. - Take photos for a memory book: Create a small memory book of your old house so your kids can remember what it looked like. This way, they can still remember the house while feeling excited about their new home. - Enlist their help: When you start packing up your house, give your kids age-appropriate moving tasks to help with. They could pack up special toys in a specific box, identify some toys or items that can be given to charity, and more. Giving them a sense of control throughout the move can provide more stability throughout the move. - Let them be a part of the process: Once you’re under contract, you could take the kids over to see the house and help them start visualizing their potential new room. - Get excited about your new surroundings: Whether it’s an ice cream shop or a pizza restaurant around the corner, let your kids pick a new place to try once or twice a month. Letting them plan a special outing empowers your kids to learn more about their new neighborhood and pick a fun activity for the whole family to enjoy. Are you getting ready to buy a home? As home financing experts, we can help. Call us today to start a conversation about the process!

Your self-care checklist: - Bubble bath - Scented candles - A low-stress mortgage experience brought to you by Cherry Creek Mortgage... You deserve this. Contact us TODAY!

Making the leap to home ownership is exciting! If you’re ready to quit making a rent payment, here are some important steps to take. 1. Review your budget: Start by outlining your monthly income, expenses, savings goals, and loan payments. ... 2. Identify your ideal monthly housing expense: It’s important to start the home buying process with a monthly payment in mind so you don’t end up with more house than you can afford. 3. Do a credit check up: Your credit is a crucial factor in what kind of home financing you can obtain, so it’s best to know where you stand before you start the process. 4. Plan for your down payment: Whether you just started saving or you’ve been planning for a while, review your down payment savings. 5. Review your lease for notice requirements: Pay close attention to specific requirements around how much notice you’re required to give your landlord when you want to move. 6. Find a knowledgeable loan officer: Take the time to find someone who knows your local area, understands your needs, and will find you the best loan for your situation. 7. Find out what you can afford: Having this number in mind is important when you start house shopping you don’t want to fall in love with a home that’s outside your budget! 8. Get pre-approved with a lender: This is an important step to complete before you start looking for homes! 9. Start shopping for your dream home: With a pre-approval in hand, you’re ready for the fun part looking at houses! 10. Start the mortgage process: Once you find your house and submit an offer, your loan officer will work with you to finalize your mortgage. Are you thinking about becoming a home owner? Get in touch today to talk about your loan options!

Virtual learning is an adjustment for everyone involved parents, children, and teachers but the right space can help your children stay engaged and energized. Here are a few ways you can make a functional space that fosters creativity and learning right in your own home. - Designate a space: Your child’s learning space could be a corner in a room, a home office, the kitchen table, or even a specific lap desk used each day. - Declutter and organize: Declutter the area by r...emoving extra toys, books, and miscellaneous items. - Make it functional, but don’t forget comfort: The idea is to make the space inviting and comfortable enough that your child will want to spend time there. - Foster creativity and inspiration: Think about what excites or motivates your child and incorporate it into the space. If your current living situation just isn’t cutting it anymore with the new demands of at-home learning or working, give us a call to talk about how we can help you get into a new home that meets your family’s needs.

Free Ice Cream. That's all it took to make someone's day. How can you make someone's day? How can you make your community better? I hope this ice cream truck video inspires you to take some time today to sprinkle someone with kindness. #CommunityProject

Take your home from builder-grade to custom-made with low-cost home upgrades you can tackle in a weekend or less. Check out these 50 DIY home improvement projects under $50! https://hubs.la/H0wybP-0