Carla Ladd

09/03/2026

If you've been priced out of the Denver housing market, here's something worth knowing: condos and townhomes are telling a very different story from detached homes right now.

DMAR's new August report shows attached-home inventory up nearly 10% from last year. Condos and townhomes are taking a median 45 days to sell, compared with 24 days for detached homes, and the median attached-home price is down 4.87% year over year.

Now, that doesn't automatically mean a condo or townhome is the right answer. HOA costs, insurance, the financial health of the association and whether the project qualifies for financing all matter. A lot.

But if the price of a detached home has made you decide that buying simply isn't possible, I wouldn't stop the conversation there.

Sometimes the opportunity is in looking at a different kind of property, a different financing strategy, or an assistance program you didn't know was available.

Before you decide you can't afford to buy, let's run the numbers and look at all the options.

BOTTOM LINE
The attached-home market is today's most actionable story. Denver Metro buyers who have been focused only on detached homes may find more selection, longer decision windows, and potentially more negotiating leverage in condos and townhomes. The broker's job is to help them evaluate whether that opportunity actually works once price, HOA costs, financing, insurance, and assistance are considered together.

08/27/2026

There may be more opportunity in the Denver housing market than the headlines suggest.

The latest Denver Metro numbers show a median home price of $605,000 and homes spending a median 22 days in MLS.

But here's the number that caught my attention: condos and townhomes are taking considerably longer to sell, with DMAR reporting a 40-day median market time and nearly 5.7 months of supply in July.

Why does that matter?

Because if you're a first-time buyer struggling to make the numbers work on a detached home, it may be worth widening the conversation.

A condo or townhome isn't right for everyone. But more inventory and longer market times can sometimes create opportunities to negotiate—and Colorado also has assistance programs that may help qualified buyers with the upfront cost of homeownership.

Before you decide you can't afford to buy, let's run the numbers and look at all the options.

The rate matters. The price matters. The type of property matters. And sometimes the opportunity is simply somewhere you weren't looking.

carla-ladd.com⁠�

08/25/2026

Some of the most important processes in a small business are stored in one place: the owner’s head.

That works—until you need to delegate, train someone, take a day off, or make sure customers receive the same level of service every time.

Here’s a simple AI Edge hack:

Record a 3–5 minute voice note explaining how you complete one repeatable task. Talk through the steps as if you were teaching a new employee. Transcribe the recording, remove any sensitive information, and ask ChatGPT to organize it into a clear standard operating procedure.

Then review the draft, test it while doing the task, and have someone else follow it.

AI is not replacing your experience here. It is helping you capture and share what you already know—without staring at a blank page.

If only one person knows how to do it, it is not yet a reliable business process.

The AI Edge: Practical AI. Real Business Results.

08/24/2026

Mortgage rates have moved in the right direction for two weeks. Good news? Absolutely. A reason to start predicting a dramatic drop? Not quite. 😊

Freddie Mac’s latest survey puts the average 30-year fixed mortgage at 6.65%, down from 6.67% the week before.

Here in Denver Metro, the latest REcolorado report shows a median closed price of $605,000, with homes spending a median 22 days in MLS.

What I like about this market is that buyers may have a little more room to think, compare, and negotiate than they did during the frenzy years. But good homes are still selling, so waiting indefinitely for the “perfect” rate or the “perfect” deal can have a cost, too.

My advice is simple: run the numbers.

Look at the price, payment, seller concessions, down-payment assistance, cash to close, and loan structure. Then decide whether the opportunity makes sense for you.

The interest rate matters. It just isn’t the only number that matters.

08/19/2026

If you're thinking about buying a home in Colorado, here's something worth knowing: the market is giving buyers a little more time to think.

The latest REcolorado report shows the Denver Metro median home price at $605,000 in July, with homes spending a median of 22 days in the MLS. That's three days longer than June.

Now, that doesn't mean sellers are giving houses away. In fact, the median price was still 3% higher than a year ago. But it does mean this isn't the same market where every buyer had to make a decision before they finished walking through the kitchen. 😊

Mortgage rates are still elevated, so I wouldn't focus on the rate alone. Look at the whole deal: the price, monthly payment, seller concessions, down-payment assistance, cash needed to close and the loan structure.

Sometimes the opportunity isn't waiting for the perfect interest rate. It's finding the right combination of numbers that makes sense for you.

https://carla-ladd.com/

08/12/2026

If you’re thinking about buying a home in Colorado, today’s mortgage and real estate numbers are worth paying attention to.

Mortgage rates are still elevated, so I would not base a buying decision on trying to guess exactly when rates will come down. The better question is: **What does the full opportunity look like right now?**

A few things stood out to me today:

• Colorado buyers may have more negotiating room than they realize.
• In the Denver Metro market, the median closed price for detached homes was **$675,000** in the latest DMAR report.
• Homes are taking longer to sell than they did during the peak frenzy years, which can create more room for conversations around price, concessions, and financing strategy.
• Programs like **CHFA Schools To Home** may also create additional options for eligible Colorado public-school employees who need help with down payment and closing costs.

The biggest takeaway?

**The right mortgage strategy matters just as much as the rate.**

That means looking at the payment, purchase price, seller concessions, assistance programs, loan structure, and long-term flexibility together—not in isolation.

If you’re planning to buy, refinance, or just want to better understand your options, I’d be happy to help you think through the numbers.

https://carla-ladd.com/

07/30/2026

🏡 Why settle for one lender when you can shop over 100?

I'm Carla Ladd, Your Personal Mortgage Shopper.

Whether you're buying your first home, refinancing, moving, or exploring a reverse mortgage, I compare loan options from 100+ lenders to help you find the mortgage that best fits your goals.

My job isn't to sell you a loan—it's to help you make a confident, informed decision.

🎥 Watch the video to learn how I can help.

📅 Ready to get started? Schedule your consultation today! https://calendly.com/carlaladd/30min

Carla Ladd
Your Personal Mortgage Shopper
"I shop over 100 lenders, so you don't have to."

07/28/2026

Reverse Mortgage Myths: Separating Fact from Fiction.
https://carla-ladd.com/

07/23/2026

Unlock your dream home with the best interest rates! 🏡✨ Let’s find the right financing strategy for you.

📧 [email protected]

📞 7208409038

01/01/2026