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Fresh Air Real Estate

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The Dog Postcards – We’ve Gone to the Dogs Denver!


Jackie Long & trusted Mortgage Correspondent Lender Nicole “Kiki” Williams of The Hanson Planning Group (an Affiliate of Megaster Financial) send their clients a good giggle each month with these themed, entertaining & informative postcards. Brought to you by the patience, understanding & true talent of their darling dogs, Boone, Tripp, Grizzly & Mookie.

“What will you think of next?” is a frequent question! We haven’t duplicated a theme yet. We lost two of our original quartet, Molson & Blue in 2011, and were heartbroken to say good bye to Bear in 2013. The last of the old guard left us in 2018, our darling Woody. Our current fierce foursome have been proven prodigies since very young ages! We’ve had a number of guest appearances over the years, as well. And just to clarify, YES they really are fully dressed (hats, wigs, glasses & all) and are really posing like that!

These monthly postcards will not only keep you abreast of timely real estate & mortgage issues, but they’re great fun to find in your mailbox! Which is YOUR favorite? Collect them all! Email us to join the mailing list & receive the magnetic, year-at a glance Dog Calendar!

Links to prior years are below!

Also follow us on Instagram at Gone_to_the_Dogs_Denver!
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2023 – Once Upon a Time

May 2023
Winnie the Pooh-May 2023

Kiki’s Home Finance Options are Sweet as Honey!

Sometimes understanding mortgage financing can feel depressed like Eeyore & saying “Oh bother!” Kiki will keep you from getting lost in the Hundred Acre Wood of mortgage financing with these special programs.

  • Rental payments are now included in the credit evaluation process to help potential homeowners who previously lacked credit history. The Automated Desktop Underwriting System now recognizes all consistent, on-time rental payments.
  • The HomeReady Loan Program is ideal for first-time & low-to-moderate income home buyers with a down payment as low as 3%! Interest rates & mortgage insurance premiums can also be lower. Combine this with down payment assistance programs to help with down payment & closing costs.
  • Buy a home for an elderly parent or a disabled adult with the Family Opportunity Mortgage. Take advantage of lower, “owner-occupied” interest rates & down payment options. The occupant doesn’t need to be on the loan & the buyer doesn’t need to occupy the home!
  • Temporary Interest Rate Buydowns reduce borrowers’ monthly payment for a limited time. Payments are reduced by a Seller’s lump-sum Closing Cost Credit into the borrowers buydown, or escrow, account. A portion of the funds are released monthly during the buydown period to lower the payment.

Call Kiki if these give you a Rumbly in Your Tumbly for a new place to call your Pooh Corner! She provides a comprehensive loan option review & an easy pre-approval process so you’re ready to pounce! Then, let Jackie put her winning contract strategies to work so your offer won’t get stuck.

Jackie & Kiki ensure home buyers remember “You are braver than you believe, stronger than you seem & smarter than you think!” We’re like Wise Old Owls and Your Keys to a Smart Move!

April 2023
Peter Pan-Gone to the Dogs Denver

Childhood Innocence Takes Flight in a Divorce Situation 

An astonishing 70% of divorces involve real estate & can be a couple’s largest asset. This difficult family transition requires more than faith, trust & pixie dust. Separating marital assets in a divorce, including the family home, can be as complicated as Captain Hook.

Jackie & Kiki are prepared for this grown-up challenge & have the professional designations & experience needed to provide clarity and peace of mind.

Jackie is certified by the Residential Real Estate Council (RRC) as a Residential Real Estate Divorce specialist. She knows the family law basics to be effective when guiding clients through their sales process & is trained to maintain neutrality in common, contentious situations. She is skilled in techniques to keep the sales ship on course & prevent potential disasters. Jackie has represented numerous clients in her 20-year tenure with successful outcomes & no one feeling like a forgotten Lost Boy.

Kiki is a Certified Divorce Lending Professional. This CDLP® credential allows her to help divorcing homeowners make informed decisions regarding their home equity solutions & mortgage financing opportunities during & after the divorce. With a solid understanding of the intersection of family law, financial & tax planning, real property & mortgage planning she can work directly with the divorce team during the settlement process to identify potential conflicts in the settlement agreement & provide options. 

Don’t Tinker with your future, connecting with Kiki prior to final settlement is important. Whether you are purchasing a new home or refinancing the current mortgage Kiki offers a different perspective and a better solution.

Keep your feet on the ground & dreams out of Neverland when you trust Jackie & Kiki! We’re Your Keys to a Smart Move!

March 2023

Snow White

Mirror Mirror on the Wall: Will Home Prices Ever Fall?

Once Upon a Time, a beautiful home buyer wanted to downsize from her castle to a small cottage in the woods. “Surely prices will drop & I can move away from the Wicked Queen,” she thought. But there is no poisoned potion creating a downward trend & waiting too long can make for a Grumpy end!

According to the National Association of Realtors (NAR), there are three reasons why the US housing market is unlikely to see Dopey price declines in 2023, including: Low home inventory, falling mortgage rates and a rise in pending home sales.

Buyers are back & looking to take a bite of the apple in a tight market.  They’re not Bashful about factoring in interest rate buydowns into their purchase costs & are taking their time to find just the right home. While homes sales have been a bit Sleepy with 46 average days on market in January, they are still selling & prices are staying strong with the market continuing to favor Happy sellers.

A February NAR report showed prices for existing single-family homes in the US rose 4% year-over-year in 2022’s fourth quarter. Existing home prices increased by princely sums from the previous year in an astounding 89% of the 186 metro areas NAR surveyed.

Take if from Doc & Sneezy, Jackie & Kiki dwarf the competition to get you the best deal! From translating market trends into buying & selling strategies to finessing your financing, Jackie & Kiki are Your Keys to a Smart Move!

February 2023
3 Little Pigs

Home Ownership Dreams Withstand Market Fables

There has been a lot of huffing & puffing about a housing crash & predictions of a wolf at the door, but low inventory & high demand have most economists predicting values to remain steady with some growth in 2023. The Denver-Metro Association of Realtors reports a 1.8% increase in home values from December 2021 to December 2022.

If you think prices will get eaten up by a recession, think again! Historical data going back to 1980 shows home prices appreciated in four of last six recessions. Each time the economy slows, mortgage rates have dropped!

Investing in real estate is not a plan made of straw! It is the key to how Americans grow their wealth. In fact, on average, two-thirds of a person’s net worth comes from home equity. Your net worth is the total of your assets minus your debts. Home equity is the difference between your home’s market value and the amount you still owe on your mortgage & home equity hit a record high in 2022! Those gains won’t be easily blown over.

Jackie & Kiki understand the sticks & stones of your home’s asset potential & have the tools to help you protect it. Kiki can give you a rock-solid mortgage loan pre-approval and help you decide which financing options will help grow your wealth! Jackie is an expert in home values & market trends to ensure you Sell or Buy at the right price. Her skills lead you to succeed by more than just the hair of your chinny chin chin!

Count on Jackie & Kiki: We’re Your Keys to a Smart Move!

January 2023

Enchanting Buying Opportunities Make for Storybook Endings!

The Metro Denver housing market ended 2022 by turning from a prince into a frog. Villainous inflation kissed low mortgage interest rates goodbye, increasing by 4% from January to October & leaving home Buyers stuck in a witch’s curse! Then the clock struck midnight on Sellers as we entered the traditionally slower holiday & winter months.

Jackie & Kiki are looking into their magic mirror & see January & February are a magical time for Buyers to become king of the castle. Interest rates are steadily dropping. There is less competition with other buyers & motivated sellers are checking their crystal ball to find ways of attracting interest. Think closing cost credits & the Seller-paid 2/1 buydown option to find your happily ever after! A 2/1 Buydown provides Seller-funded mortgage payment relief in years 1 & 2 of the mortgage loan with the ability to refinance when interest rates decrease further.

Let expert Realtor Jackie guide you through this tangled market and negotiate a princess deal. Kiki’s mortgage loan options dwarf the competition! She’s ready to help you find the best home loan for a fairy tale ending with an eye to future strategies as interest rates drop. Their combined sorcery means you can set yourself up in a new palace in ANY market!

Take a bite out of the apple now & don’t be fooled into waiting for a mythical housing crash. It’s a tale as old as time: Price decreases have slowed as tight inventory continues to prop up values, even amidst lesser demand. As spring approaches & the snow melts, demand will shoot up like a beanstalk and Sleeping Beauty will awake! Don’t get frozen out of the market!

Jackie & Kiki are your real estate & mortgage financing Fairy Godmothers & always Your Keys to a Smart Move!


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