These are the questions I hear most often — from first-time buyers, from sellers wondering what their home is worth, and from people moving to Fort Collins from somewhere else. If your question isn't here, just ask me. That's what I'm here for.

  • Start with a conversation about your goals, timeline, and budget, then get pre-approved with a local lender. From there, we set up a personalized home search, tour homes in person or by video, and when we find the right one, I help you craft an offer, manage the contract deadlines, and guide you through inspection, appraisal, title, and closing. You'll always know what's happening next — that's the part I take most seriously. Buying a home in Fort Collins

  • It depends on the market and on you — some buyers find the right home in a few weeks, others take a few months, and that's completely fine. Once you're under contract, the closing timeline is set by the contract and your lender, and I'll walk you through every deadline so nothing slips. If you're relocating or on a tight timeline, tell me up front and we'll plan around it. Relocating to Fort Collins

  • It's the best place to start, and sellers take a pre-approved buyer much more seriously. A pre-approval means a lender has reviewed your income, assets, and credit and given you a letter — it's a ceiling, not a target payment. I can connect you with local lenders I trust, including ones who offer fast closings and, in some cases, cash-guaranteed mortgages. Buying a home in Fort Collins

  • Start with a conversation and a pre-approval — and ask about down-payment help early, because some programs have to be set up with your first mortgage, not added later. Colorado has CHFA programs for first-time buyers, and there are other Front Range down-payment assistance options too. I can walk you through which ones might fit and connect you with a participating lender who can confirm current limits and eligibility. First-time home buyers in Fort Collins

  • The main one to know is CHFA — the Colorado Housing and Finance Authority. Its FirstStep program is a 30-year fixed FHA loan for first-time buyers (and qualified veterans, or buyers in targeted areas), with down-payment assistance as a second mortgage. Other CHFA programs and Front Range options exist too, including metroDPA and programs through the Impact Development Fund. Limits change by year, county, and household size, so I won't quote a number here that could be out of date — a participating lender can confirm what's current for you. First-time home buyers in Fort Collins

  • Every home is different, so I won't give you a single number here. In general, the timeline depends on pricing, condition, and the market at the time — and in my August 2026 market update, I noted that about one-quarter of listings in Larimer and Weld counties reduced their price before selling, which is why pricing correctly from the beginning matters again. As for cost, we'll talk through it up front — staging, photography, and marketing are part of how I list a home, and I'll be clear about what you can expect before we start. Selling your home in Fort Collins · Latest market update

  • I put together a personal price report for your home — not an automated estimate. I look at comparable sales, current market trends, your home's condition and upgrades, and what's actually selling right now in your neighborhood. If you're thinking of selling in a year or more, knowing where you stand now is still useful when you're planning improvements or timing. What's my home worth in Fort Collins?

  • Both happen, and both are manageable. After the inspection, we review the report together and decide what to ask for — repairs, credits, or in some cases, whether to walk away, depending on your contract. If the appraisal comes in low, we can renegotiate, you can bring additional cash, or we can look at your contract options. I'll help you think through each one calmly, with the numbers in front of us. Buying a home in Fort Collins

  • A metro district is a local government entity in Colorado that finances and maintains public infrastructure in a development — roads, water and sewer, drainage, parks and trails. It's not an HOA: a district levies property taxes, and an HOA collects dues. If a home is in a metro district, that levy shows up as its own line on the property tax bill, on top of county, city, and school levies. Before you buy, we'll check whether the home is in a district, what the current levy is, what debt is outstanding, and what the service plan allows. I wrote more about this in my post on metro districts — and for new construction, the seller is required to give you a district disclosure before contract. What is a Metro District?

  • Epic Homes is a City of Fort Collins program for Fort Collins Utilities customers — free energy advising, an in-home assessment, rebates for things like heat pumps and insulation, and an Epic Loan for qualifying upgrades. After upgrades, a home can earn a Home Energy Score and an Epic Certificate, which the City describes as helpful when reselling or renting. I'm listed as an Epic Homes Real Estate Ally with the City, and I'm also trained on the Colorado Green Disclosure. That disclosure is completed by the seller, not by me — it states what the seller actually knows about a home's energy features, and it's a disclosure, not a warranty. If you're buying or selling an energy-efficient home, we'll talk about what documentation matters — owned vs. leased solar, system age and warranties, permits, and utility history — before we talk about value. Giving Back

  • It works well, and I do it often. We start with a video call, I send you a personalized search, and we tour homes by live video — I'll narrate the street, the neighborhood, and the things a polished photo won't show you. When we narrow it down, most relocating buyers make one focused trip to see their finalists in person, and offers and paperwork can be signed electronically. Denver International Airport is the nearest major airport, about 70 miles south on I-25, and Fort Collins is home to Colorado State University, Old Town Square, Horsetooth Reservoir, and miles of trails. Relocating to Fort Collins

  • Old Town is Fort Collins' historic downtown — walkable streets, shops, restaurants and breweries around Old Town Square, with older homes, lofts, and condos nearby. It's a wonderful place to live if you want to walk to dinner, be close to Colorado State University, and live somewhere with real character. The trade-off is that inventory is limited and older homes need a careful eye — that's exactly what an inspection and a good look at the home's history are for. Old Town Fort Collins

  • Yes. Luxury in Northern Colorado is generally talked about at $1 million and above — one local data source put the top-5% threshold for the region at $1,150,000 in September 2026 — but the number matters less than the home and the buyer. Higher-end homes here include Horsetooth and lakefront properties, historic homes near Old Town, and established neighborhoods like Fossil Lake Ranch. If you're buying or selling at that level, the same things matter more, not less: pricing from real comparables, strong presentation, and quiet, careful negotiation. Luxury homes in Fort Collins

  • I've been a full-time real estate broker since 2010, licensed in Colorado and Hawaii, and I'm a Master Certified Negotiation Expert with additional credentials in green homes, buyers' representation, and sellers' representation. I'm part of Grey Rock Realty, a locally owned brokerage in Old Town Square, and I live here with my family — this is my community, not just my market. My approach is simple: make the process as smooth as possible while getting you the best outcome, and keep you informed at every step. And with every transaction I close, a donation is made to Trees, Water & People, a Fort Collins-based nonprofit. Contact Kelly

If your question isn't answered here, I'd love to hear it — call me at (970) 820-0750, email KellyRenzRealEstate@gmail.com, or request a no-obligation consultation. Contact Kelly