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Grey Rock Realty Podcast Ep. 41 | Buy Before You Sell? The 1% Loophole Explained
Mar 3, 2026
16m 17s
Grey Rock Realty Podcast Ep. 40 | Divorce + The Family Home: Refinance, Sell, or Assume?
Feb 24, 2026
Unknown duration
Grey Rock Realty Podcast Ep. 39 | Becoming a Realtor: Robert Crow's Journey
Feb 19, 2026
Unknown duration
Northern Colorado Real Estate Market Update | What to Expect in 2026
Jan 23, 2026
Unknown duration
Home Buyer Crash Course | Grey Rock Realty Podcast
Dec 23, 2025
Unknown duration
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 3/3/26 | ![]() Grey Rock Realty Podcast Ep. 41 | Buy Before You Sell? The 1% Loophole Explained✨ | real estatebuy before you sell+3 | Catherine Barnett | Grey Rock RealtyFannie Mae+1 | Fort CollinsColorado | buy before you sell1% loophole+3 | — | 16m 17s | |
| 2/24/26 | ![]() Grey Rock Realty Podcast Ep. 40 | Divorce + The Family Home: Refinance, Sell, or Assume? | 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. | — | ||||||
| 2/19/26 | ![]() Grey Rock Realty Podcast Ep. 39 | Becoming a Realtor: Robert Crow's Journey | I get a lot of questions about how people actually get started in real estate and what the career really looks like day to day.So in this episode I sat down with Robert Crow and had him walk through his full story — how he ended up in Fort Collins, how he built his business from zero contacts, and why he approaches real estate as a service business instead of a sales job.If you’ve ever wondered what makes a good realtor different from an average one, this gives a pretty honest look behind the scenes.📍 Fort Collins, Colorado🏡 Grey Rock RealtySubscribe if you want more conversations about the real estate process, the market, and what actually matters when buying or selling.00:00 What it’s really like starting in real estate00:00:54 Robert’s background before real estate (travel + Spain)00:02:13 Rwanda + the service mindset that stuck00:03:24 Moving to Fort Collins and starting over00:04:31 Licensing + the “side hustle” transition into real estate00:06:13 The mindset shift: real estate is about people, not houses00:07:03 First client story: going above and beyond00:09:07 Why Robert started doing listing video + staging/prep00:12:15 Building a business with no sphere: referrals + community00:18:31 What he’d do differently: networking + realtor relationships00:21:14 The real estate lifestyle: boundaries, balance, and being “on call”00:25:12 Retirement, “what is enough,” and final advice for new agents#GreyRockRealty #FortCollinsRealEstate #NorthernColoradoHomes #RealtorLife #RealEstateCareer | — | ||||||
| 1/23/26 | ![]() Northern Colorado Real Estate Market Update | What to Expect in 2026 | 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 | — | ||||||
| 12/23/25 | ![]() Home Buyer Crash Course | Grey Rock Realty Podcast | In this Home Buyer Crash Course, I break down what today’s Northern Colorado buyers actually need to know before purchasing a home.I cover current market conditions in late 2025, how much buyers can realistically negotiate, inventory levels in Larimer and Weld County, and what’s changed over the last several years. I also explain common mortgage mistakes, how to think about market “crash” fears, and why timing the market often backfires.We dive deep into pricing strategy, inspections and due diligence, real estate commissions, and how to structure a deal that protects you long-term — whether you’re a first-time buyer or have purchased multiple homes before.Topics include:• How much you can negotiate off list price right now• Inventory levels & days on market in Northern Colorado• Market crash fears vs real historical data• Mortgage pre-approval mistakes to avoid• Down payments, PMI, closing costs, and rate strategies• Inspections, due diligence & hidden risks buyers miss• Real estate commissions — what changed and what didn’t• Why “time in the market” matters more than timing the market🎧 Prefer audio only? Search Grey Rock Realty on Spotify or Apple Podcasts.💬 Questions about buying in Northern Colorado? Drop a comment or reach out — happy to help.00:00 Home Buyer Crash Course – Introduction01:00 Current Market Conditions (Dec 2025)03:30 Inventory Levels & Price Trends06:00 How Much Can You Negotiate?09:15 Real Buyer vs Investor Expectations13:00 Market Crash Fears Explained16:00 Why Northern Colorado Is Different20:20 Seasonality: Best Times to Buy24:00 Long-Term Ownership Mindset28:15 Mortgage Pre-Approval Mistakes33:00 Choosing the Right Lender38:00 Down Payments, PMI & Closing Costs42:15 Inspections & Due Diligence49:00 Talking to Neighbors & Hidden Risks51:10 Real Estate Commissions Explained59:30 Buying Without an Agent – Pros & Cons01:02:00 How to Shop Smart in Northern Colorado01:04:20 Final Thoughts & Next Steps#HomeBuyerCrashCourse #HomeBuying #NorthernColoradoRealEstate #FortCollinsRealEstate #ColoradoRealEstate #RealEstatePodcast #HomeBuyerEducation #HousingMarket #GreyRockRealty | — | ||||||
| 12/10/25 | ![]() NoCo Housing Report December 2025 | 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 | — | ||||||
| 12/10/25 | ![]() FC and NOCO Best Neighborhoods, Hidden Acreage Gems & Market Myths | Grey Rock Realty Podcast Ep. 37 | Grey Rock Realty Podcast Ep. 37Fort Collins home prices rose 7% in August — even as the market feels slow.Ryan Jenkins and Scott Lowe dive deep into what’s really happening across Larimer County, from fixer-upper margins to best-kept acreage neighborhoods and why South Fort Collins keeps outperforming.In this episode:🏡 Why median prices are up despite slow sales💸 Where flips actually make sense in 2025🧠 Underrated real-estate advice that saves (and earns) thousands🌲 Best neighborhoods for trail runners, road bikers, and nature lovers🚜 Hidden acreage spots with fly-fishing and views🏗️ How to value your own house like a pro🏘️ The truth about Metro Districts and new construction negotiations💧 What Glade Reservoir could mean for future Fort Collins property values📍 Hosted by Ryan Jenkins & Scott Lowe🎙️ Presented by Grey Rock Realty — Northern Colorado’s local real estate experts.#GreyRockRealty #FortCollinsRealEstate #ColoradoHomes #RyanJenkins #ScottLowe #NoCo #FortCollinsPodcast #HomeBuyingTips #FixAndFlip #GladeReservoir #AcreageHomes #FortCollinsNeighborhoods #MarketUpdate | — | ||||||
| 10/8/25 | ![]() Real Estate Scams, Backup Offers & Inspection Nightmares | GRRP Ep. 36 w/ Ryan Jenkins & Robert Crow | 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 | — | ||||||
| 9/17/25 | ![]() Grey Rock Realty Podcast Episode #35 | Fort Collins, CO Food Favs | Welcome back to the Grey Rock Realty Podcast! 🎙️ In this episode, Ryan Jenkins and Robert Crow dive into their favorite dining spots around Fort Collins and share fun stories, local inside-references, and a few hidden gems you won’t want to miss. Whether you’re a longtime local or thinking about making Northern Colorado your home, this conversation will give you a taste of what life here is really like.At Grey Rock Realty, we’re passionate about helping people buy and sell homes in Fort Collins and the surrounding area — but we’re just as passionate about celebrating the community we live in. That means sharing the best restaurants, trails, events, and local culture that make Northern Colorado such a special place.📞 Get in touch with us anytime:Ryan Jenkins — Owner/BrokerGrey Rock Realty(970) 672-0775ryan@greyrockrealty.comRobert Crow — Realtor®Grey Rock Realty(970) 692-1724robert@robertcrowrealtor.comVisit us online: www.greyrockrealty.comWhether you’re buying, selling, or just curious about the Northern Colorado market, we’d love to connect. Drop us a comment, send a DM, or reach out directly!#GreyRockRealty #FortCollinsRealEstate #NorthernColorado #FortCollinsLiving #FortCollinsRestaurants #FortCollinsPodcast #FortCollinsLife #MoveToColorado #ColoradoRealEstate #LocalFortCollins | — | ||||||
| 2/19/25 | ![]() Grey Rock Realty Podcast Episode #33 | Fort Collins Real Estate with Ryan Jenkins and Robert Crow | 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 | — | ||||||
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| 1/17/25 | ![]() Fort Collins Real Estate Insights, Tips, and Local Gems with Ryan Jenkins & Robert Crow | Join two of Fort Collins’ top real estate experts, Ryan Jenkins and Robert Crow on The Grey Rock Realty Podcast! Together, they bring decades of experience to the table, breaking down the latest trends in Northern Colorado’s real estate market. They discuss: Buydowns and creative ways to save on your next home purchase. How rising and falling interest rates impact local Buyers and Sellers. Insider knowledge about Fort Collins neighborhoods and their favorite local restaurants, businesses, and fun facts about Fort Collins. Whether you’re curious about the real estate market, a local resident, or just love discovering new things about this incredible city, this episode is for you! Tune in for valuable advice, laughter, and a fresh perspective on life in Northern Colorado. | — | ||||||
| 12/6/23 | ![]() Mortgage Mistakes and How to Avoid Them | How to choose the right mortgage provider for you and avoid common mistakes! | — | ||||||
| 12/4/23 | ![]() Moving Doesn’t Have to be Hard | Give the average person the choice between moving their family and all their possessions to a new house, or getting a root canal, and I think most people would choose the root canal. Because of all the complexity and time typically involved in the moving process, people tend to put it off for months or years, especially families with kids. Often they badly need more space, or they really wanted to be in a different neighborhood, but he thought of all the brain damage involved in moving is overhwelming. I know it was like that for us. At the time we moved we had three kids under 5 years old. We were living in a 1,200 square foot house and we throught about moving for more than two years before we actually did it. Part of that was waiting for the right house, but most of it was the overwhelm. Once we moved, we couldn’t believe that we waited so long. It felt absolutely incredible to have the space we needed. After taking so many families through this process we've designed a system that makes moving dramatically easier. We call it the Total Certainty Method. This episode is all about that process. We hope you enjoy the podcast! To get the process started call or text us at 970-689-0824 or go to www.GreyRockRealty.com and click "contact" This process is labor intensive for our team and advance planning is key. If you'd like to utilize this method, even if you are 6 months away from your move, please call to reserve your spot well in advance. | — | ||||||
| 11/1/23 | ![]() Big Swings in Fort Collins Home Prices | 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. | — | ||||||
| 1/31/23 | ![]() Helping Empty Nesters and their Parents Downsize | Audrey Lavender is a veteran Realtor who specializes in helping people free themselves, or their parents, from that oversized, maintenance-heavy home and into the next phase of their lives. In this episode Audrey gives great tips for how to start the process of donating, throwing away, or keeping all the stuff that's accumulated over the years. She also discusses the danger of waiting too long to help your parents move to assisted or independent living. Also, what to look for in these types of facilities, the mistakes people make when they're projecting the cost of the move, and more! Audrey is a pro at helping people plan these moves. If you're planning to downsize or are considering helping your parents move to a care facility, feel free to call or text her at 970-222-8895. | — | ||||||
| 1/25/23 | ![]() Amber Quann - Colorado's #1 Dog Trainer | 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 | — | ||||||
| 9/21/20 | ![]() Are Real Estate Commissions Justified? | Grey Rock Realty is about Creating Razor Sharp Real Estate Consumers. This week Ryan Jenkins (owner/managing broker) and Scott Lowe (broker associate) discuss the topic of real estate commissions. Commissions are expensive. Why? What goes into them? Are real estate commissions justified? Join us! #greyrockrealty #razorsharpconsumers #realestate #fortcollinsrealestate #coloradorealestate | — | ||||||
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