The Grey Rock Realty Podcast

Divorce isn’t just emotional — it’s financial restructuring.In this episode of the Grey Rock Realty Podcast, we sit down with Cat Barnett, a Certified Divorce Lending Professional (CDLP) with 25 years in mortgage lending, to break down what really happens to the house during a divorce in Colorado.We cover:• When to talk to a lender during divorce (hint: earlier than you think)• Cash-out refinance vs. rate & term refinance• How alimony and child support affect mortgage qualification• VA loan assumptions during divorce• Why most people who keep the house sell within 3 years• Common attorney blind spots• The danger of quitclaiming off title• Why selling before the divorce is final can backfire• How to protect your credit if one spouse keeps the homeThis gets technical fast — because real estate, lending, and divorce law intersect in complicated ways.If you’re navigating divorce and real estate in Northern Colorado, lean into specialists who understand how these pieces fit together.Contact Catherine Barnett: team@loanfit.us | loanfit.us | https://form.jotform.com/260495276369167📍 Serving Fort Collins, Loveland, Windsor, Timnath & surrounding areas📩 Reach out for a confidential conversation.

In this episode, Ryan Jenkins and Robert Crow discuss what’s happening in the Northern Colorado housing market as we head into spring 2026. From interest rates and inventory trends to inspections, insurance, HOAs, and long-term buyer strategy, this episode covers what buyers and sellers really need to know right now.Plus, a few Fort Collins food and coffee recommendations along the way.00:00 Winter arrives in Fort Collins02:10 Is the Northern Colorado market picking up?03:55 Interest rates drop & buyer activity returns06:20 Inventory growth explained (why housing moves slowly)08:40 Why buyers should start earlier than spring10:55 Fort Collins vs Boulder affordability reality12:05 Price corrections vs a “flat” market14:10 Long-term appreciation in Northern Colorado16:10 Why major housing crashes are unlikely18:15 Water, development & supply constraints21:05 Real examples: homes losing (or holding) value23:40 Best burgers in Fort Collins27:10 Coffee shops & Old Town restaurant talk30:25 Roofs, hail damage & insurance problems33:15 Class 3 vs Class 4 roofs explained35:05 Permits, basements & unpermitted work risks37:45 ADUs, canyon homes & county enforcement40:20 Inspections: what general inspections miss42:55 Sewer scopes, radon & specialty inspections45:30 HOA risks, reserves & special assessments48:15 How to read HOA documents efficiently50:45 Talking to neighbors before buying53:10 Listing homes on holiday weekends55:45 Pricing pressure on sellers & agents58:30 71% of agents did zero deals — why it matters01:01:45 Overpricing homes & buyer psychology01:04:50 Long-term ownership vs short-term fear01:07:40 Glade Reservoir overview01:10:30 Hwy 287 reroute & property impact01:13:15 Future growth, controversy & buyer awareness01:16:00 Final thoughts & wrap-up

Northern Colorado is finally seeing real price movement. Inventory in Larimer and Weld is up 3.5x since 2022, and median prices in December are down 5% in Larimer and 2% in Weld. Buyers have leverage again, but our long-term supply challenges keep corrections mild. With rates holding in the mid-5s and spring season around the corner, we expect a balanced 2026.If you’re curious about value or looking for an opportunity, reach out for a no-obligation consult....#greyrockrealty #fortcollinsrealestate #northerncolorado #realestateinvesting #housingmarket #nocorealestate #larimercounty #weldcounty #marketupdate #homevalues #housingdata #markettrends #coloradorealestate #inventorylevels #ratewatch #buyersmarket #homepricing #realestateadvice #mortgagerates #marketreport

Ryan Jenkins and Robert Crow go deep on the strangest and smartest sides of Northern Colorado real estate — from backup offers and home inspections to meth tests and modern scams.You’ll learn:Why backup offers are making a comeback in 2025How to spot shady inspection requestsReal stories of fake buyers, crypto scams, and land fraudHow to vet a home inspector (and what red flags to watch for)The truth about meth and mold testing in Fort Collins homes🎙️ Recorded in Fort Collins, CO#FortCollins #GreyRockRealty #RealEstatePodcast #ColoradoRealEstate #HomeBuyingTips #RealEstateScams #RyanJenkins #RobertCrow

Buying or selling a home in Northern Colorado? 🤔 Join Ryan Jenkins and Robert Crow for a fun and informative conversation about all things Fort Collins real estate! They share valuable insights, real-world experiences, and expert strategies to help you navigate the market with confidence.Whether you're a first-time homebuyer, a seasoned investor, or just love geeking out about real estate, this episode has something for you! 🎧📌 Tune in now and get the inside scoop!#GreyRockRealty #FortCollinsRealEstate #NoCoHomes #FoCoLiving #ColoradoRealEstate #HomeBuyingTips #HomeSellingTips #InvestInRealEstate #NorthernColorado

How to choose the right mortgage provider for you and avoid common mistakes!

The Fort Collins real estate market has been on a ride in 2023. Scott and Ryan sit down and share stories from the trenches. This pod accompanies the release of our most recent market report, you can read it below The real estate market continues to adjust to the new normal of painfully high rates. The 30 year rate is now just under 8%. I remember a year ago I was dumbfounded to learn that rates had eclipsed the 7% mark. That number felt impossible at the time. I remember thinking it must be a fluke. But here we are a year later and 7% seems like a bargain. The only thing more surprising than the sharp increase in rates is how stubborn the market has been to give up the massive price gains that occurred during the pandemic. Some people say the lack of price correction is due to low inventory caused by the golden handcuffs, the phenomenon where people won’t list their homes because they don’t want to lose their low interest rate. But that is misleading. While the golden handcuffs are keeping the number of sales that occur about 20% below normal, the number of homes that buyers have to choose from is back up to pre-pandemic levels. These levels have been relatively consistent over the last decade. And coupled with low interest rates, they have been producing an average annual price growth rate of 9.2% per year through 2022. Obviously that kind of appreciation won’t be sustained with current borrowing costs. And now that we’ve seen a full year of rates in the 6.5% to 8% range, we have a better feel for how the market will perform in this environment. Overall it appears that we will end the year with prices about 2% higher in Larimer County and 1% higher in Weld County. The simple fact is that there are many people who can still afford this market. The buying power of the dual income household should not be underestimated. Particularly when they are sitting on $250,000 in equity should they sell their current home. The average homeowner in the US has $275k in equity and 25% of homes are owned free and clear. When people need or want to move and the new house payment will not dramatically impact their day to day life, they will usually make the move. Buyers are also enjoying the lack of bidding wars, they are able to shop more leisurely, take their time making decisions, negotiate concessions and buy below list price. This is making their high payment a little easier to swallow. The economy continues to show remarkable resilience in the face of the rate hikes. Low unemployment and robust consumer spending are keeping the fed from feeling good about the softening inflation. Expect rates to stay higher for longer than people expect. But also be wary of anyone, including me, projecting where interest rates will be in the next few years. If and when rates do come down into the 6% range again, expect a lot of pent up buyer demand to be unleashed into the market. This should bring more inventory online but will also increase the number of buyers, so the market is unlikely to soften with this new inventory. When this happens, expect any price corrections that occurred during the rate surge to be quickly erased. Someone asked me the other day, “Who are the people buying and selling right now?” In the last month we have sold homes for people leaving town due to job transfers, people coming to town to be close to their kids, people selling investment property, people buying investment property with cash, people buying vacation property with loans, people buying a larger home and turning their current home into a rental, and even some first time home buyers. It’s a similar mix of people as we have seen in years past, but there’s fewer of them. We have been sharing these market reports for over a decade now and each time we do it is with some sadness as we see affordability in Northern Colorado continue to erode away. I am ever mindful of our sister city Boulder, its similarities to Fort Collins, and its median price of $1.2M.

I sat down with Amber Quann to talk about dog training! Amber is the CEO of Summit Dog Training in Fort Collins, CO. She was voted Colorado’s #1 dog trainer and was ranked #15 in the US in 2022! She obviously knows her stuff and gives tons of great insights into the mindset and techniques of a world class dog trainer. In this episode we discuss… Reactivity & aggressive behavior and how to deal with it. Recall (getting your dog to come). When dog parks are a good idea and when they’re not. Why “fetch” shouldn’t be the only exercise routine for your dog. Hiking off-leash with your dog. Backpacking the Colorado backcountry with a small dog. Correction styles. Gentle leaders. And more! We also talk about Amber’s journey from business owner/operator to CEO! Check out Summit Dog training http://www.summitdogtraining.com/ Instagram.com/summitdogtraining 970-541-4930