Stop Paying Rent in Northern Colorado

Own your future.

Work with our real estate agent team to find the best option for you.

Call us at 970-539-0026 or…

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Did you know…

1. You can probably buy a house for less cash than you need when renting.

When you rent, you usually have a security deposit, first month’s rent, and maybe even last month’s rent. That’s a lot of cash!

With buying a home, you can get in for as little as $1,000 cash out of pocket. Of course you can put more money down too, but that is fully optional.

2. There are many new incentives for home buyers that don’t need to be paid back.

In order to keep housing affordable, the government, private parties, and certain organizations are providing funds to home buyers that do not need to be repaid. This is truly no-obligation money waiting for many home buyers.

3. By owning a home, you can be building your wealth, not someone else’s.

People rent homes to you because they can charge more in rent than it costs to own the home. You are paying their mortgage, their expenses, and a profit on top.

This money needs to be working for you instead!

That “profit” could instead be used to pay down your mortgage fast. Regardless of whether you pay more each month or not, you will be paying your loan down each and every month.

4. House values go up, which means big money for you.

Over the last couple of years, most homes in Colorado have gone up in value at least 20%.

That means if you bought a $250,000 house, you will have gained $50,000. Those gains can provide piece of mind, or you can refinance and pull that money out to use however you want.

Housing prices may go up and down, but historically, they have an incredible uptrend. You build money simply by owning your home.

5. Receive big tax incentives for owning a home

If you are renting, you’re leaving big tax incentives on the table. Talk to your tax accountant, but most people can write off interest, mortgage insurance, and more. Owning a home typically provides the biggest tax incentives people receive all year.

6. Flexibility – pets, decoration, renovation as you want

You now own the home and can do with it as you please. You can redecorate, renovate, and make the changes that fit your lifestyle. 

And pets? Not a problem!

7. Interest rates are rock bottom – saving you more money

Even though home prices are going up, low interest rates keep them very affordable. And with less interest, more of your monthly payment goes to paying down your loan.

How much would your payments be?

A lot of factors impact your payments, but here are some good ballparks for many new home buyers. A few notes:

  • If you put more money down, you can reduce your monthly payment very significantly
  • If your home appreciates, you can typically drop your mortgage insurance 2 years into the loan
  • It is always best to talk to us to get numbers for your exact situation
Monthly Payment Price of Home
$1213.86* $200,000
$1457.72* $240,000
$1701.57* $280,000 (that’s a nice house!)

* Figures estimated with 30 year conv. loan, 3% down, 4.061% APR, PMI .075% of loan amount, insurance $4/$1000 of price, taxes 74.136 mill levy in Weld County, 360 monthly payments, total finance charges of $141,156.21 for $200,000 purchase, $169,533.73 for $240,000 purchase, $197,911.25 for $280,000 purchase

Why work with The Ferguson Team?

Buying a home is a huge decision and probably the biggest purchase of your life. That’s why you should work with a team that specializes in helping people in your situation.

We have the right resources, right expertise, and access to the right programs. 

By working with us, you’ll have access to:


#1 CHFA Lender in Colorado

5 Star Lender – 5280 Magazine

Top 1% in the Nation – Executive Mortgage Magazine

What do you need?

Buyers typically need a credit score of 620 or better.

The lender will also look at your income and debt.

A 15 minute call should determine whether or not you qualify. If you qualify, you’ll get information on monthly payments, how much money you’ll need to close, and what your target home price should be! Then you start house shopping with us. Easy and fun.


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What are you waiting for?

Every day you rent is a day you leave money on the table. We specialize in helping people buy homes, transition from renting to buying, and also building wealth through real estate.

Call us at 970-539-0026

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