April 2024 Grand Valley Real Estate Today

square foot on site optional shingles fencing

VIEWS!

• Homes starting at 1800 square foot

• 3-6 bedroom

• 3 car garage minimum

• RV parking and storage on site

• Stucco exteriors with optional stone accents

• Architectural 30-year shingles

• Nature’s Composite fencing

• Pressurized irrigation

• Parks & walking paths

• LOTS FOR SALE

ON-SITE OFFICE LOCATED AT 2649 Emerald Ridge Lane Grand Junction, CO 81506 (North, off H Road & 26 1/2 Road)

LOCATED AT Road)

emeraldridgegj.com APPOINTMENT

emeraldridgegj.com

CALL JANET TO SET AN APPOINTMENT

We look forward to working with you to design and build your new home in Emerald Ridge!

For more information, contact New Horizons Development, Inc.

working with you to design and build your new home in Emerald Ridge! information, contact New Horizons Development, Inc.

JANET ELLIOTT GRI, CRS, ABR Broker/Owner

REALTOR®, ABR, CRS, GRI 970-250-0765

N1323D@msn.com

We look forward to working with you to design and build your new home in Emerald Ridge!

For more information, contact New Horizons Development, Inc.

JANET ELLIOTT GRI, CRS, ABR Broker/Owner

REALTOR®, ABR, CRS, GRI

970-250-0765

N1323D@msn.com

3825 Horizon Glen Court

Grand Junction, CO 81506

5 Bedrooms | 3 Bathrooms | 4,086 sq. ft. | 0.47 Acre Lot

Text REED18 to 88000 for more information

Located in north Grand Junction just off Horizon Drive and within minutes to all conveniences and amenities, this expansive home sits on nearly a half-acre lot on a private cul-de-sac offering seclusion and serenity. Immaculately-maintained and remodeled and updated throughout, this home presents exquisite features including cherry wood cabinetry, granite countertops, stainless steel appliances, vaulted ceilings, and plant shelving. In addition to the five generously-sized bedrooms, there is an executive home office, two living spaces, a playroom, and a home gym space. Step outside to the sweeping deck to enjoy the mature landscaping, surrounding wooded area, and terraced landscaping. With RV parking and oversized 3-car garage, this home offers space and privacy both inside and out!

Lots of amenities with this property!

Very spacious 4452 square foot home on 1 acre in North Grand Junction. 6 bedrooms and 6 baths including a 1 bedroom 1 bath inlaw or caretaker apartment.

Plenty of room for toys on the west parking lot, plus a 3-car garage and a one-car garage with lots of storage.

Enjoy outdoor living with a pool, putting green, sand box, dog run, fire pit, natural gas grill and low maintenance landscaping. The home has privacy in the back yard and within the home.

Cozy up to one of 3 gas fireplaces in the winter. Call now for a showing. Listing agent is also the owner.

$1,300,000

names@nathalieames.com

Gaia Drive | Mesa | $142,000 - $187,000

Come build your dream home on one of these unique lots in the Cool Creek Cooperative Neighborhood, within a close proximity to the village of Mesa. Four lots are available ranging from .78 Acres to 1.41 Acres. Each lot is build-ready with all utilities (water, sewer, gas, electric) on-site. The Cool Creek Neighborhood is situated on a 20 acre parcel of land on the slope of the Grand Mesa. There are 13 private lots (4 currently developed) that collectively occupy approximately 6.8 acres of the parcel. Adjacent to the house lots there is a common area of approximately 1.5 acres where various shared resources are located, including a fenced community garden and orchard, and a gazebo for outdoor gathering. The community also has Vini’s House, which is used for gatherings, meetings and as a short-term rental to help offset HOA costs. The remaining 13.2 acres has been left as wildland to be enjoyed by all residents. Mesa Creek runs through the land, creating a rich riparian zone. Buyer to verify all information.

TBD 52 1/2 Road | Mesa | $699,000

Exceptional 274 acres of pristine land surrounded by 1,922 acres of BLM land. Elk, Deer, Turkey and additional wildlife is abundant on the property as there is a conservation agreement with the Elk Foundation. The property is accessible off of 52 ½ Road and from a BLM road off of 51.1 Road. You can choose where you would like to build your home and the land has a year-round access easement with the BLM. The location is the best of both worlds: revel in seclusion and privacy but enjoy the convenance of being located near the Village of Mesa, Hwy 65 and Hwy 330. Features include diverse landscapes including river basins, rock outcrops, cedar forests, open meadows and panoramic mountain, Plateau Valley and Grand Mesa views. The area is an outdoor person paradise with year-round recreation at Powderhorn Mountain Resort and on the Grand Mesa including the Palisade Plunge, hiking, skiing, mountain biking and fishing on the 300+ lakes. Buyer to verify all information.

10897 Mesa St – $320,000

This historical Mesa, Colorado home has 2 bedrooms, 1 bath and double car garage, and fenced yard. Includes an old pot-bellied stove in the living area, clawfoot tub in the bathroom. The fenced area has a garden area, grassy yard and room for chickens too. Upgrades include new roof and windows.

52 1/2 Road, Mesa – $199,999

10 acre parcel with a shared well, seasonal irrigation ditch, views, and the sounds of nature. Beautiful building lot. MLS #20240092

10 ACRE COLORADO VINEYARD |

3107 A

Junction

3107 A 1/2 Rd, Grand Junction

3107

3107 A 1/2 Rd, Grand Junction

3107 A 1/2 Rd, Grand Junction

3107 A 1/2 Rd, Grand Junction

Opportunity to own an established production Colorado vineyard with the potential for RSF4+ development. Adjacent to sewer and other utilities. Outstanding building sites. Senior water rights on the Colorado river. Includes 8.5 acres of Cabernet Sauvignon, Chambourcin, Riesling, Rkatsiteli, and Merlot grapevines.

Opportunity to own an established production Colorado vineyard with the potential for RSF4+ development. Adjacent to sewer and other utilities. Outstanding building sites. Senior water rights on the Colorado river. Includes 8.5 acres of Cabernet Sauvignon, Chambourcin, Riesling, Rkatsiteli, and Merlot grapevines.

Opportunity to own an established production Colorado vineyard with the potential for RSF4+ development. Adjacent to sewer and other utilities. Outstanding building sites. Senior water rights on the Colorado river. Includes 8.5 acres of Cabernet Sauvignon, Chambourcin, Riesling, Rkatsiteli, and Merlot grapevines.

Opportunity to own an established production Colorado vineyard with the potential for RSF4+ development. Adjacent to sewer and other utilities. Outstanding building sites. Senior water rights on the Colorado river. Includes 8.5 acres of Cabernet Sauvignon, Chambourcin, Riesling, Rkatsiteli, and Merlot grapevines.

Opportunity to own an established production Colorado vineyard with the potential for RSF4+ development. Adjacent to sewer and other utilities. Outstanding building sites. Senior water rights on the Colorado river. Includes 8.5 acres of Cabernet Sauvignon, Chambourcin, Riesling, Rkatsiteli, and Merlot grapevines.

Opportunity to own an established production Colorado vineyard with the potential for RSF4+ development. Adjacent to sewer and other utilities. Outstanding building sites. Senior water rights on the Colorado river. Includes 8.5 acres of Cabernet Sauvignon, Chambourcin, Riesling, Rkatsiteli, and Merlot grapevines.

10 ACRE COLORADO VINEYARD |

10 ACRE COLORADO VINEYARD |

10 ACRE COLORADO VINEYARD |

10 ACRE COLORADO VINEYARD |

A 1/2 Rd, Grand Junction

10 ACRE COLORADO VINEYARD |

1/2 Rd, Grand

* Requires

*

Rancher in

community, built in 2004, this home offers three bedrooms, 2 baths and two car garage.  Country porch with swing and private patio off dining room with gate to driveway. Living, dining, nook and hall to bedrooms with prefinished hardwood, tile in the kitchen and both baths.  Corner gas log fireplace in living room.  Kitchen with all appliances (gas range), oak cabinets and formica countertops, separate pantry and access to two car garage.  Primary bedroom 15x12, primary bath with double vanities, walk-in shower with seat, walk-in closet and separate closet for linens.  Two other bedrooms and guest bath with tub/shower combo and pedestal sink.  For more information call on MLS #20233788.

Home Buying Tips — What Buyers Can Do to Get the Best Mortgage Rate

By REAL ESTATE TODAY

Mortgage interest rates have been headlining financial news segments for several years running. Much of that news has been met with less than open arms, as rates have risen dramatically in recent years, an increase that is related to the ripple effect of the COVID-19 pandemic.

Mortgage interest rates did not immediately spike after the World Health Organization declared a global pandemic in March 2020. In fact, data from the lender Freddie Mac indicates mortgage rates were still well below 4 percent on January 1, 2022. However, those rates hovered around 7 percent by the end of that year, and were still around that level at the start of 2024.

With such high interest rates, it’s understandable if prospective home buyers feel helpless. However, there’s much buyers can do to help themselves as they seek to secure the lowest mortgage interest rate possible.

Read your credit report and improve your score, if necessary.

Many prospective home buyers save up for years in anticipation of the day when they will purchase their own home. During this period, buyers can read their credit reports and address any discrepancies while taking steps to improve their credit scores. Lenders consider a host of variables to determine an applicant’s credit worthiness, and credit history and credit scores bear significant influence. The higher an applicant’s credit score, the more favorable mortgage rate he or she is likely to get.

Take control of your debt-to-income ratio.

Debt-to-income (DTI) ratio refers to what you owe in relation to how much you earn. The lower your DTI, the better

you look to lenders. According to Bankrate, lenders typically want to avoid issuing mortgages to individuals if the monthly payment will exceed 28 percent of their gross monthly income, and people who may be near that threshold for a given home may be denied a mortgage if their DTI is high. Prospective home buyers currently carrying significant debt, including consumer debt like credit cards and/or student loan debts, should make a concerted effort to pay down that debt prior to applying for a mortgage. Prioritize paying off consumer debt before applying for a mortgage.

Maintain a strong employment record.

Steady employment and consistent earnings make mortgage applicants more attractive in the eyes of lenders. If you are currently shopping for a home or about to make an offer, now might not be the best time to switch jobs. Selfemployed individuals and freelancers working multiple jobs can still qualify for a good mortgage rate, but they may need to provide more extensive documentation that indicates their earnings going back several years. Individuals who have been working full-time for the same company for years may only need to provide W-2 forms from the two most recent tax years.

Shop around for rates.

Rates may not fluctuate much between lenders, but it’s still worth shopping around for mortgage rates. A study from Freddie Mac found that the benefits of shopping around for a mortgage rate were especially notable in 2022 compared to the decade prior, saving borrowers who took the time to shop for rates substantial sums of money.

Mortgage rates remain high compared to a half decade ago, but prospective home buyers can take steps to increase their chances of qualifying for a favorable rate.