Ideas for Selling your home

Sellers in Fort Collins, Greeley and the surrounding areas can be scared they’ll sell their house and have no place to move.  That is a VERY valid situation in today’s fast-paced market.

So how does one avoid this?  It is simple.  Once you get an offer on your house and BEFORE you sign it.  Counter it, “contingent upon finding a replacement home.”  That way you can have 4-6 weeks to find your dream home and get it under contract, “contingent upon selling your home.”

Sellers do not have the luxury of deciding down the road they don’t want to sell, assuming the appraisal comes in at price and the buyer doesn’t have any inspection items.  At that point the seller must sell.  So its best during the initial contract negotiation phase to negotiate a contingent plan to find a replacement home.

These and other strategies can be employed to sell your home for top dollar.  Ask me about other strategies for the Northern Colorado real estate market!

Cathy Harris
The Pointe Real Estate



Northern Colorado Relo in 2017

People relocating to Northern Colorado in 2017 will experience an abundance of housing options.  Luxury homes, acreage, single family homes near CSU, townhomes with garages and condos.  Building is strong here, as is the renovation of older homes. 

The Luxury market has experienced 39 sales since the first day of January, from $500,000 to $1.5MM.  The percentage of list price sold for these homes was 99%, with an average days on market (over the winter) of 116 days.

Currently there are 109 more homes from $500,000 to $4MM to choose from.  Homes in this price range are much less per square foot than homes in the lower price ranges.  It is very possiblemarketing-picture to get “SUCH A DEAL” on a home with great bones that needs a bit of updating too.  There are wonderful possibilities in this range of homes, for the person relocating from other places.  

Here are just a few neighborhoods to target for a look:  Soaring Eagle, Fossil Lake Estates, Cobb Lake, Paragon Point, Coeur d’ Alene, Highland Meadows and Harmony Club.  I recently helped an incoming family build a home in Harmony Club.  Their amenities are very nice and the location is great; just outside of the city where there is better access to the highway, far enough away from the hustle and bustle of Fort Collins.  They love it and the wonderful golf course.  For more information on builders and pre-owned homes there, call me at 970-691-0368 for a tour.  You can also visit:

Lastly, there are many communities a 10 minute drive from Fort Collins that allow the estate buyer a vast amount of choices for resort lifestyle living.  Water Valley in Windsor is one such community that does not disappoint.  Situated in between Fort Collins and Loveland on the east side of I-25, the area offers beautiful views of the mountains and lake resort living.  

Having lived in both Fort Collins and Windsor, I’m uniquely qualified to help those that are relocating experience and understand the area.  My passion is helping families choose the right location to live.  You are welcome to email me for my 2 page brochure on my business acumen and home buying process.  I moved here in 2001 and understand what a huge undertaking it is.

Cathy Harris – 970-691-0368
I will Protect, Educate & Negotiate for you.
Military Broker Specialist, GRI, e-PRO, &  Christian broker

Selling a home in NoCO Loveland – The ART of the Double Transaction

It takes experience, a proven system and market knowledge to guide a family thru selling and then buying a home without moving twice.
Do you know someone who wants to upgrade or perhaps downsize?  No home transaction process is ever free of stress.  However, I am diligent and will stick in there until it is successfully completed.  I have a lot of experience with guiding people thru the Double Transaction.
As you know, they can be in charge of their real estate transaction.
– I can provide referrals from numerous people whom I’ve helped.
– I have a new TopProducer System that keeps me more organized, and I have Kailee, my transaction coordinator.  
– My detailed process is unique, because I’ve perfected the Double Transaction thru experience, systems and hiring a coordinator.
  Here is my video helping sellers list with me:

Continue reading

Relocating to Northern Colorado – Buying a home in Fort Collins


Thinking to move to the Fort Collins’ area in Northern Colorado?  You aren’t alone.  With beautiful mountain views, 360 days of sunny weather,  and summer & winter sports, you will be happy you did.  


 The Northern Colorado rental market has experienced a 17% increase sinced the first of the year.  That is astounding, huh?  Home prices for the area haven’t gone up that much.  You do need an experienced agent however, to guide you in the process of snapping up a home before others get it.


Strategies like the “escalator clause,” exact pricing and knowing this fast-paced market enable me to help you get your dream home.  Whether you are buying now or waiting a few months, the Cathy Harris Home Team recommends you contact us and get your own personal MySite website to search for homes the very day they come on the market.  Get direct home market experience even before you move.  You are welcome to contact to ask for your home search MySite!  Be sure to include highest/lowest price, bedrooms and other “must-have” amenities.  


We won’t bug you until you call to schedule a visit.  We will then put together a personalized tour of the area, in orcer to make your trip a success.  Want information on who we are?  Here is our video:   and our website:


Contact us today.  970-691-0368 or 970-331-2868

No Money Down USDA Loan program for Colorado buyers


Allows low to moderate income rural homebuyers achieve their dream of homeownership!



  • 30 year Fixed Rate Loan
  • 100% Financing
  • NO down payment
  • NO prepayment penalties
  • Flexible credit guidelines (FICO scores below 640 require an exception)
  • Gift funds and seller concessions are allowed
  • Not limited to first time homebuyers (but can’t currently own a home)
  • Upfront Guarantee Fee of 2% may be added to loan amount
  • Low monthly funding fee of .4%



  • Income can not exceed 115% of the median household income for the area ($89,350 for FortCollins-Loveland area, $78,650 for Greeley area, 1-4 members of household)
  • Property must be located in rural area as designated by RHS – refer to
  • EXPANDED Areas now include Windsor and Timnath!!!


EMAIL: for a list of participating lenders.  This program is excellent for rural towns such as Windsor, Eaton, LaSalle, Wellington, Mead, Severance, parts of Loveland, Berthoud, Firestone and Frederick.  Or call 970-691-0368 for details.

Smoking Deals on Approved Short Sale homes

Have you explored the idea of buying a short sale property but nixed it because of the time and stress involved?  If so, then you should take advantage of the lesser known strategy of purchasing an APPROVED short sale home in Northern Colorado (Fort Collins, Loveland, Windsor).  With an Approved short sale purchase, it’s possible to get a smoking deal without expending an inordinate amount of energy, so please read on!

To refresh our memory, a short sale is a property that is being sold by its owner for less than their mortgage amount.  Typically, these owners are in financial distress and need their mortgage lender’s approval to “short” their loan payoff.  At the closing table, the bank gets less than what the owner borrowed.  Thus, the term, “short sale.”

So how does a property’s status become an Approved short sale? Well it begins when a buyer’s contract offer rises to the “top of the pile,” in the bank’s automated system after 4-5 months of processing, and a response to that offer is produced.  Then, instead of the offer being agreed upon, the deal falls apart.  Two of the most typical reasons for the deal failure are:   1) buyer got tired of waiting and refuses to purchase, or  2)  Bank counters the buyer’s offer with price or terms unacceptable to buyer.  There you have it!  You take one distressed seller, add a bank response letter and subtract a balking buyer, and the Approved short sale opportunity is created!  The home goes back on the market to wait for buyer #2, with its new designation as an Approved short sale listing.

This is where the savvy, 2nd buyer (you), comes in!

The advantages to you, Savvy 2nd Buyer, is a sharply reduced wait time, a known purchase price and a motivated seller and bank.  So ask an experienced agent to start sending you the approved short sales listings in your price range and town(s).  They trickle in at a slower rate than the unapproved short sales, but if you are pre-qualified and ready to go, you can snap one up and close within 60 days or so.

As with all short sales, nothing is written in stone.  That’s why having representation from an experienced agent is key.  Real estate agents in theNorthern Coloradoarea vary widely in distressed property experience and education.  Finding an agent with their Certified Distressed Property Expert designation is a good idea.  You want someone who will negotiate the deal expertly and coach you through the transaction.  Happy Hunting!

Cathy Harris – 970-691-0368

e-Pro, CDPE, GRI

Keller Williams



Disadvantages of Home Shopping on your Own – Northern Colorado

I just got off the phone speaking with an extremely sharp mother of two who is braving the real estate market on her own in Loveland, Colorado.  She’s talked with builders, FSBO’s, realtors, etc., and is extremely frustrated.  She cannot seem to find a good deal in Northern Colorado.

The truth is, because inventory is down, the best deals on pre-owned homes are being snapped up by sharp-eyed realtors and their clients.  These people know exactly what they are looking for and are pre-qualified.  As soon as the best home deals appear on the market, they are offered for by these realtor/buyer teams within hours.

She’s also spoken with builders and is having no luck putting a deal together.  Here again, the lot/land deals are being watched closely by realtors for their clients.  Also, builders do not always take seriously a person who calls them asking questions about building a home.  Sadly, these types of shoppers can be labor intensive and typically builders build houses for people who are ready to build.

My guess is this busy mom of two thinks that she can get a better deal without a realtor’s involvement.  That could happen. More often than not, however, having a good buyer’s agent negotiating for you will get you a better result.  Realtors are in the market every day and we eager to negotiate good terms for our clients.

So it is my suggestion that buyers team up with a good buyers agent who will take them shopping for properties until they have a strong sense of the market.  Then when the timing is right, they will be able to snap up the best deal and not become a frustrated do-it-youselfer.

Cathy Harris

Broker Associate

Keller Williams, Fort Collins, CO  80528