Windsor CO Featured Neighborhood: High Pointe Estates

Highpointe Estates is a great neighborhood located in West Windsor Colorado. The neighborhood was established in the early 2000s making most of these homes about 10 to 15 years old. This is a great area to move to in Windsor, Colorado.

High Pointe Estates is in Larimer County but still considered part of the city of Windsor. The west Windsor location allows for everything that Windsor offers plus easy access to Loveland and Fort Collins. High Pointe Estates is right across the street from the newer Raindance neighborhood but High Pointe offers more mature trees and the benefits of an established neighborhood.

The community has some open spaces, walking trails, a large swimming pool, skate park, playground and a community room for it’s residents.

Homes in High Pointe Estates range from patio homes to single family homes starting the in $600,000 range to luxury homes selling for over $1 Million.

If you’ve had any thoughts of buying a home in Windsor, Colorado you’ll want to visit High Pointe Estates. Call Andy Hawbaker today to set up your tour of this featured neighborhood or anywhere else in Northern Colorado.

In the tight Northern Colorado real estate market that we’ve seen in the last few years, not many homes have gone up for sale in High Pointe Estates. If you are interested in this area you’ll want a local Windsor Realtor who has their pulse on the Windsor, Colorado real estate market.

Reach out to Andy by phone or text at 970-203-5066 or email:

*Andy Hawbaker is a licensed Realtor with 8z Real Estate’s Northern Colorado Office in Windsor, CO.* 

High Pointe Estates

Can You Buy A Home Near Fort Collins For Under $500,000?

The cost of housing in Colorado has been increasing at an alarming rate. I talk to people all of the time who ask, “Can you buy a home near Fort Collins, CO for under $500,000?”. The answer to that question is YES. There are some options to buy really nice Northern Colorado Homes in the $400,000 range.

The above video walks through a home recently sold in Wellington Colorado. That home was priced at $450,000. Here is another home in Severance, CO that was priced at $400,000: Severance, CO Home for sale.

As you can see, there are still many options to buy a home near Fort Collins for under $500,000. There are homes located in Fort Collins that can be affordable but often times they will need a little bit of work. If you are willing to live a little further away from town, you’ll have a lot more options. For example, homes are popping up in Loveland, CO that are priced from $370,000 to $425,000. These homes move very quickly so you’ll want to be working with a Realtor who can get you into these homes quickly. 

Buy a Noco Home

Other great options for more affordable housing is to search in Johnstown or Milliken. I’ve found Milliken to be a great place for young families. There are many really nice neighborhoods in the area with homes in the $400,000 range.

Also, I’ve found Severance, CO to be a great community with more affordable housing that is still a short commute to Fort Collins, Loveland or Greeley.

If you are searching to buy a home in Northern Colorado that won’t break the bank, reach out to me. I’ve helped other first-time homebuyers and young families to buy homes in the area. In this market you will need to know where to look and you’ll need to move fast, and make strong offers that will get you into your desired house. 

Call or Text me at 970-203-5066 or email me at to get the conversation started. I am a licensed Realtor with 8z Real Estate in Windsor, CO.

Moving to Severance, CO – Featured Neighborhood: The Overlook

Are you considering a moving to Severance, CO? There are a lot of reasons that people are moving to Severance, including the great schools, quiet small town feel and proxemity to both Fort Collins and Greeley. Today we focus on one great neighborhood in Severance call The Overlook.

The Overlook is a great neighborhood with home built from 2018 or newer. The homes feature 3 to 4 bedrooms and 2 or 3 car garages. You can buy a bome in Severance for $375,000 to $500,000. The neighborhood is well-cared for and it features a huge park with playground, basketball courts, fields and pavillians for community events.


This Severance, CO neighborhood allows for a short walk to the Severance Elementary School and is close to the brand new Middle School and Severance High School. These schools are the same school district as the nearby Windsor School District.

Severance has a Dollar General store and a few stores and restaurants but the majority of your shopping will be in nearby communities. The good news is that the Windsor, CO grocery stores are only about 5 miles away. You can also access Walmart and Costco in Timnath right down Harmony Road from Severance or it’s less than 10 miles to Greeley.

Severance is a bedroom community for people working in Fort Collins or Greeley but you will save some significant money from buying a home in Fort Collins, Loveland or Windsor. The Severance home prices are much more affordable but the communte is really easy.

Severance Colorado Home For Sale

If you’re considering a move to Severance, CO but have questions about the community, reach out to me, I’d be happy to help. I have helped other families buy and sell homes in Severance and I’d love to help you do the same. You can start the conversation by texting me at 970-203-5066 or

*Andy Hawbaker is a licensed Realtor with 8z Real Estate in Windsor, CO.*

What is an Appraisal Gap?

In a very competive real estate market home buyers are needing to be as competitive as possible to buy their new home. As buyers start bidding wars the purchase price can rise about an appraised value. That is when buyers offer appraisal gap coverage. So, What is an Appraisal Gap?

When a buyer offers an appraisal gap, basically they are saying that they are willing to cover the difference in the appraised vale and the offer price. 

This is need if the bank said they would loan 80% of the value of the house (meaning the buyer needs to put 20% down). If the buyer offered $110,000 but the appraisal came back at $100,000, the bank is only going to lend 80% of the $100,000 or $80,000. So the buyer would need to come up with $30,000 cash. $20,000 for the regular downpayment and an additional $10,000 for the appraisal gap.

The need for an appraisal gap happens when prices are going up so quickly that the appraisers numbers for closed sales aren’t keeping up with the prices of the current market. If you have the cash to offer an appraisal gap it makes your offer mich stronger. The seller wants that protection to know that if the appraisal did come back low, you would cover the appraisal gap.

If you have more questions about buying a home in Northern Colorado, inclusing Fort Collins, Loveland, Windsor or Greeley reach out to me directly at 970-203-5066 or through the forms on this website. I’d be happy to answer any more of your questions. 

*Andy Hawbaker is a Licensed Realtor with 8z Real Estate in Windsor, CO*

appraisal gap

Real Estate Home Inspection: How Does It Work?

When you are buying a home, it’s really important to have the home inspected. A real estate home inspection can help you identify any propblems with the house before you buy it. In addition to helping you afford buying a home with major problems, a home inspection also might point out small maintenance items that you could take care of now to save you problems or money in the future. But how does the whole home inspection process work?

What is included in a regular home inspection?

  • Check all plumbing, sinks, toilets, and showers for any leaks, problems or potential mold.
  • Check electrical box, test all outlets, check for GCFI outles and any inssues with the electrical system.
  • Check overal condition of roof and roof vets.
  • Check grading and all exterior items that can lead to problem for the foundation.
  • Check furnace, air conditioner, hot water heater and all major mechanical systems.
  • Check for cracks in ceilings or walls for signs of settling.
  • Check all appliances including stove, oven, microwave and dishwasher.
  • Check doors and windows.
  • Garages and out building may also be inspected.
  • Radon Testing is generally optional for an additional fee.
  • Sewer line scoping is another option. You can verify that there is no problem with the sewer line all the way to the city sewer line.

Basically, the home inspetor is going to go through every part of the house to check for any issues. You will definitely want to get an inspection done and you’ll want to hire an inspector who is experienced and professional.

Ask your Realtor about a home inspection, they will likley havethe name of a few inspectors who they’ve worked with in the past. A good Realtor will be aligned with professional inspectors who will do a thorough inspection for their clients. 

If you have any questions about buying a home or getting a home inspection in Northern Colorado, reach out to me at 970-203-5066 or through the forms on this website.

*Andy Hawbaker is a Licensed Realtor with 8z Real Estate in Windsor, CO*

home inspection

Carpet Allowance? Yes or No?

A question I hear from a lot of home sellers is: Should I replace the carpet or offer a carpet allowance? We hear the work Carpet Allowance come up a lot but what does it mean? And is offering a carpet allowance a good idea for home sellers?

Well, a carpet allowance is basically the seller saying that they know the carpet needs replaced but they didn’t want to do it so they are offering you some money to fix the problem. Basically, giving an allowance is just throwing money at what you know is a problem. It also calls out that you know there is a problem.

In my experience, buyers are likely to not fall in love with a house that needs work. Even with the allowance on the table, they often move on to other homes or try to put in a low ball to try and get a deal. That aren’t giving the seller full credit for what is being offered. 

Another problem with offering a carpet allowance is that you would probably put in a cheaper carpet than what the buyer is expecting. Therefore, your offer of a few thousand dollars may not cut it for them, especially with the hassle of scheduling the contractors to come into their new home. If you just pick out and install new carpet, you can market the home as “New Carpet”. That new carpet wow factor will get you more money for your house. 

Obviously every situation is different. Give me a call or text and we can discuss exactly what is going on in your situation and come up with the best strategy. Reach me at 970-203-5066.

What are the best upgrades to do to your home to improve property value? 


carpet allowance

Are HOAs Good for Resale Values?

One question I often get from home buyers is: Are HOAs good for resale values or are they just another expense. The answer is that it really depends on the HOA and on your particular needs and wants.

Many HOAs offer access to a pool, parks, trails or other community ammenities. Some HOAs may include trash pick up or other services into your bill. You’ll need to calculate all of the amenities and weigh that against the monthly or quarterly cost. 

You often hear people complain about their HOA or saying they want to live somewhere without an HOA. Sometimes an HOA can try to enforce rules that may include keeping your trash cans out of sight, not having vehicles outside or even the care of your landscaping. They are trying to keep a clean and good looking neighborhood but of course, not everyone likes the HOA getting up in their business.

SO, an HOA can be a great thing if they provide amenities that you desire and they also ensure that the neighborhood is clean and looking good. This will help you sell your home. If the entire neighborhood looks good it should increase the value of your home. However, if you have an RV you want to park in the driveway, an HOA may not be for you. 

Is HOA good for resale vales

Best Upgrades to Add to Your Home to Increase Your Return

When you purchase a new construction home you will have the chance to pick out some upgrades. If you are careful with the upgrades you choose, you can add a lot of value to your new home. However, you can spend a lot of money on upgrades that won’t yield a higher return or could actually hurt the resale of your home.

Always choose light colors. Right now white and gray colors are really popular. White or gray cabinets are more popular than black or wood cabinets. Also, light colors make the room look larger.

The best things you can add to your new construction home to add value are extra bedrooms or additional bathrooms. Beyond the number of bedrooms or bathrooms, the next thing to consider is larger more updated kitchen or bathrooms. These things will bring a higher return.

Choosing specific upgrades that aren’t highly valued by everyone will not have the same effect as items that almost everyone else values.

Before you add a lot of upgrades to your home think about how popular those items will be when you resell the home. This will change the expense these items into an investment.  

Why is it Important to Work with a Dedicated Full Time Agent?

For some reason it feels like everybody has a real estate license. You probably know 6 or 7 real estate agents. Obviously they are not all the same and there is one important distinction that you should consider: Are they a dedicated full time real estate agent or is this something they do on the side?

It is relatively inexpensive to get a real estate license but really hard to get your business to be successful. Because of this, many people get their license then only work part time at real estate because they need their regular job to survive.

Reasons to Hire a Full-Time Realtor:

1. In this market the good houses move fast. You have to be able to move quickly to be competitive.

2. The market moves quickly. If your realtor isn’t writing offers regularly or watching for all new properties, you are at a disadvantage.

3. Negotiations often happen in the evening when people are off of work. If your Realtor waits tables or tend bar at night, how is that going to work?

4. Showings, inspections, walkthroughs and closings will all need to happen during regular business hours. If your chosen real estate agent works a desk job how is that going to work?

5. If your real estate agent doesn’t need to work because of a spouses income or other situation how dedicated are they going to be to drop everything to save a deal?

I don’t want to make it awkward at the next family reunion with Uncle Joe but this is the largest financial decision that you may make in your lifetime. Make sure whoever is working as your real estate agent has some experience, knows what they are doing and will be available to help when you need it.

If you are considering buying a home or if you need to sell your Northern Colorado home, make sure you hire a Realtor who will be able to guide you through the entire transaction and won’t cost you money or lose a deal. 


Full time Agent

Is Home Staging Worth it?

Home staging has been all the rage in the Real Estate community for a while. Still I have home sellers ask me all the time: Is home staging worth it. Well, the data shows that home staging makes a major impact on the speed at which a homes sells and also increases the sales price versus homes that are not staged.

Studies show that homes that have been professionally staged sell 33% to 50% faster than similar homes that are not staged. Also, Realtors who were surveyed stated that staged homes sold for 1% to 5% more than non-staged homes.

If that is the case, home staging is definitely worth it. You don’t have to remove all of your furniture and replace everything with a truck load of staging furniture. You could simply have a home staging consultation where a home stager makes suggestions for removing clutter and using the items you have in a better way to highlight the good things about your home. This will help you sell your home for more money.

home staging

If you have more questions about selling a home in Northern Colorado reach out to Andy Hawbaker directly at 970-203-5066.