Mortgage Market Update: What Buyers & Agents Need to Know

Hey there!

Hope you're having an amazing week! With 2025 well underway, the mortgage market is shifting, and it's creating some exciting opportunities for both buyers and sellers. Whether you're a first-time homebuyer, an investor, or just keeping an eye on the market, here’s what you need to know right now.

Where Are Mortgage Rates Headed?

Mortgage rates have seen some improvement since late last year, giving buyers a reason to start house hunting again. Here’s what’s influencing the market:

• Inflation & Government Spending – Inflation remains higher than the Federal Reserve would like, which is keeping them cautious about cutting rates too soon.

• Job Market Trends – The recent jobs report showed moderate job growth but rising wages, which impacts borrowing costs.

• Global Bond Markets & Demand – Increased demand for bonds in international markets is helping to stabilize rates here in the U.S.

What’s Happening This Week?

• 10-Year Treasury Yields – The 10-year Treasury yield dipped below 4.50%, a good sign for mortgage rates. If it stays there, we could see rates drop even further.

• Oil Prices & Inflation – Lower oil prices are helping to ease inflation, which could lead to more favorable mortgage conditions.

• Fed’s Strategy – Treasury Secretary Scott Bessent emphasized that bond yields matter more than short-term rate cuts when it comes to mortgage rates, meaning long-term rates will be driven by broader economic conditions.

What This Means for You

If you’re a homebuyer, now is a great time to get serious about locking in a rate. While we’re not seeing record lows, today’s rates are better than they were just a few months ago. Getting pre-approved and understanding your financing options will put you ahead of the competition.

For sellers, this shift in the market means motivated buyers are returning. Pricing your home competitively and preparing it properly will make all the difference. Need advice on strategic remodels or prepping for the best possible sale? That’s where I come in!

For agents and investors, staying on top of these trends will help you make smart, strategic decisions. Whether you're guiding clients or planning your next investment, being proactive in this market is key.

Looking Ahead: Key Reports to Watch

Next week, all eyes will be on inflation data, with the Consumer Price Index (CPI) and Producer Price Index (PPI) reports coming out. These reports will influence interest rates and give us a clearer picture of where things are headed. Plus, with the Treasury set to auction $125 billion in new debt, we could see further movement in bond yields and mortgage rates.

Final Thoughts

The real estate market is constantly changing, and smart buyers and sellers know that staying informed is the key to making the best moves. If you’ve been thinking about buying, selling, or investing, let’s talk about your strategy and make sure you’re making the most of this market shift.

Let’s connect and make your real estate goals happen!

Contact AJ for More Information
AJ Chamberlin
📞 +1 (303) 588-8999
📧 aj@attitudehomes.com
🌐 www.attitudehomes.com

Credits:
Mark Sööt | Mortgage Loan Officer
Elevations Credit Union
📞 (303) 817-0089
📧 Mark@elevationscu.com
🌐 Visit Mark’s Website
1301 Walnut St., Suite 100, Boulder, CO 80301
NMLS: 403853

Mortgage Rates Trending Lower – What It Means for Buyers & Agents

Hi everyone!

Hope you’re doing well! As we move through the early months of 2025, interest rates are in focus again. With mortgage rates showing slight improvements and economic indicators shifting, this is a key moment for both buyers and real estate professionals. Let’s break down what’s happening and what it means for you.

Where Are Mortgage Rates Headed?

Right now, mortgage rates are trending slightly lower, which is great news for those looking to buy or refinance. The market is being influenced by several factors, including economic outlook, inflation, and global financial trends.

Key Influences:

• Inflation remains sticky – While we’ve seen a slowdown from the highs of 2022, inflation is still above target levels, meaning the Fed is cautious about making rate cuts too soon.

• Deficit spending and government policies – More government spending means more borrowing, which can put upward pressure on rates in the long run.

• Market expectations for Fed rate cuts – Earlier, we were anticipating several rate cuts in 2025, but now, it looks like the Fed is taking a more patient approach.

What Happened in the Market This Week?

This past week was a rollercoaster for bonds and interest rates. The Fed’s preferred inflation metric, the Core PCE, came in as expected, which initially pushed mortgage rates lower. However, later in the day, news broke about new tariffs on imports from Canada, Mexico, and China, causing markets to react and rates to slightly reverse course.

Even with this volatility, we’ve seen improvement in rates, which is promising for buyers who’ve been waiting for better affordability.

The Fed’s Stance: No Rush to Cut

Federal Reserve Chair Jerome Powell made it clear that the central bank is in no hurry to cut rates, reinforcing that the economy is still holding strong.

A key takeaway from their recent statement was: "The unemployment rate has stabilized, and labor market conditions remain solid." This means job growth remains steady, which is good for the housing market because buyers need stable employment to secure home loans.

Many people assume that when the Fed cuts rates, mortgage rates will immediately follow. However, history has shown that mortgage rates often move based on inflation expectations rather than direct Fed actions. In some cases, even after rate cuts, mortgage rates can stay elevated if inflation fears remain.

Why Lower Oil Prices Matter

A lesser-known factor in mortgage rate trends is oil prices. Recently, oil prices have dropped significantly, reaching their lowest levels of 2025. Why does this matter? Lower energy costs can help slow inflation, which in turn could help bring mortgage rates down further.

What This Means for Buyers & Agents

If you’re a homebuyer, now is the time to get serious about locking in a rate. Even though rates are still higher than they were a few years ago, recent improvements make home purchases more feasible than they were last fall. If you’re thinking about refinancing, it may also be worth discussing with a mortgage expert to see if waiting for further declines or acting now is the better choice for your financial situation.

For real estate agents, this is a great time to educate clients. Many buyers have been hesitant due to higher rates, but with stabilization and slight improvements, they may find more opportunities in today’s market. Encouraging clients to get pre-approved and stay engaged will help them be ready when the right home hits the market.

What’s Coming Next?

Next week, we’ll be keeping a close eye on job market data. Reports on job openings, private sector hiring, and the unemployment rate will provide a clearer picture of where the economy is headed. If we see signs of economic slowing, it could push the Fed to take a more aggressive stance on rate cuts, leading to further mortgage rate improvements.

Final Thoughts

This is a dynamic market, and every shift presents new opportunities. Whether you’re a buyer looking to take advantage of improving rates or an agent helping clients navigate the market, staying informed is key.

I’ll be watching the trends closely and will keep you updated on what’s next. Let’s connect if you have any questions or need guidance on your real estate goals!

All the best,

Contact AJ for more information

AJ Chamberlin
📞 +1 (303) 588-8999
📧 aj@attitudehomes.com
🌐 www.attitudehomes.com

Credits:
Mark Sööt | Mortgage Loan Officer
Elevations Credit Union
📞 (303) 817-0089
📧 Mark@elevationscu.com
🌐 Visit Mark’s Website
1301 Walnut St., Suite 100, Boulder, CO 80301
NMLS: 403853

Mortgage Rates Drop Below 7%: Opportunities for Boulder Buyers

Hi Boulder!

Happy Wednesday! With chilly weather on the horizon, I hope you’re staying cozy and prepared. As temperatures dip, it’s a great time to focus on the exciting opportunities in today’s housing market. Let’s dive into the big news:

Mortgage Rates Under 7%

Big news for anyone considering buying a home: mortgage rates have dipped below 7%, marking a significant improvement in affordability. Even better, FHA loans have dropped below 6% with no points required! Lower rates mean lower monthly payments, allowing you to stretch your budget further and make that dream home a reality.

For first-time homebuyers or those re-entering the market, this is a golden opportunity. The combination of reduced rates and seasonal inventory shifts means there’s more room to negotiate and find the perfect match for your needs.

Big News: Medical Debt Removed from Credit Reports

In a groundbreaking move, the Consumer Financial Protection Bureau (CFPB) has officially finalized a rule to remove medical debt from credit reports. This change could mean an average credit score increase of 20 points, making homeownership more accessible to thousands of Americans.

Why does this matter? For many, medical debt has been a significant hurdle, impacting creditworthiness and mortgage approval. With this update, more potential buyers can now qualify for loans, unlocking doors to homeownership that were previously out of reach. If you’ve been hesitant to explore your options due to past credit challenges, now might be the perfect time to reassess your situation.

Current Rates and Buydown Options

Here’s a quick summary of today’s rates:

• Conforming (20% Down, $800K Purchase, $640K Loan):

• 30-Year Fixed: 6.5% (0.75 points) – 6.875% (0 points)

• 15-Year Fixed: 5.875% (0 points)

• Buydown costs (2-1): ~$12K to $14.8K

• Jumbo (25% Down, $1.4M Purchase, $1.05M Loan):

• 30-Year Fixed: 6.625% (0 points)

• VA/FHA (Max Financing, $750K Purchase):

• FHA 30-Year Fixed: 5.875% (0 points), 2-1 Buydown: $16.2K

• VA 30-Year Fixed: 6.0% (0 points), 2-1 Buydown: $17K

Why Now is the Time to Act

The combination of improved affordability through lower mortgage rates and higher credit scores creates a sweet spot for buyers. If you’ve been waiting for the “right time” to dive into the housing market, this could be it. Whether you're upsizing, downsizing, or buying your first property, conditions are aligning to make it easier to achieve your goals.

Let’s Connect

I’m here to help you navigate these exciting opportunities. Whether you’re exploring your next investment property or preparing a home remodel to sell, let’s work together to achieve your real estate goals.

Contact AJ for more information.

Warmly,
AJ Chamberlin
📞 +1 (303) 588-8999
📧 AJ@AttitudeHomes.com
🌐 www.attitudehomes.com

Credits: 

Alison Kadans
Mortgage Advisor
NMLS #424853
D: 303.817.3356
E: Alison@AlisonLends.com
W: alisonlends.com

Corporate Address:
1805 E. Garry Avenue
Santa Ana, CA 92705
Arbor NMLS #236669 | Arbor DRE #01845041

Boulder Buzz Friday Highlights January 17 2025

Hi Boulder!

Happy Friday! As we gear up for a weekend of icy weather, I hope you're staying cozy and prepared. With subzero temperatures on the horizon, the city is stepping up by opening a 24-hour emergency warming shelter to protect our community’s most vulnerable. It’s a reminder of Boulder’s incredible spirit of care and resilience.

Now, let’s dive into this week’s highlights:

1. St. Julien Hotel’s Expansion Takes the Spotlight

The Boulder City Council made waves this week, approving a four-story addition to the St. Julien Hotel. This project includes 39 extended-stay suites, a nonprofit meeting space, and a pedestrian-friendly walkway. It’s a bold move that’s sparking both excitement and debate about views and traffic in the area. What’s your take?

2. A School for Inclusivity

The BVSD Board of Education is reviewing a proposal for Grove Elementary, a charter school focused on neurodiverse students and those needing special education. This could be a game-changer for inclusivity in education, though questions remain about budgets and staffing. Stay tuned for their decision next week.

3. Warming Up to CU’s Tennis Courts

Tennis lovers, rejoice! CU has opened its indoor courts at Balch Fieldhouse to the public. With Boulder losing tennis courts to pickleball and other projects, this is a welcome addition. Book your slot, grab your racquet, and make the most of this new opportunity.

4. Winter Prep: Keep Those Taps Dripping

With temperatures expected to dip below zero, don’t forget the little things that can save you big headaches: keeping your home warm and your faucets running. Boulder’s forecast includes up to 8 inches of snow by Saturday morning, so get ready for some classic Colorado winter magic!

5. Supporting Small Businesses

Boulder awarded $840,000 in grants to tackle office vacancies and help local entrepreneurs thrive. It’s initiatives like these that make me proud to call Boulder home—and keep our economy vibrant.

As always, Boulder, I love hearing from you! Let me know your thoughts on these updates or if there’s something on your mind. Whether you’re navigating the market, dreaming about your next home, or just looking to chat about the latest happenings, I’m here.

Stay safe, stay warm, and let’s keep this community thriving. See you out there—or maybe at the tennis courts!

Warmly,
AJ Chamberlin
📞 +1 (303) 588-8999
📧 AJ@Attitude.com
🌐www.attitudehomes.com

8340 W. 67th Ave, Arvada, CO 80004

This meticulously remodeled semi-custom home offers unparalleled craftsmanship and exceptional amenities! Nestled within a short serene distance from Oberon Reservoir Lake and the vibrant Majestic View Park, which is only about 1.2 miles away and boasts tennis and basketball courts. This gem ensures easy access to Arvada High School via a safe 1.1-mile route devoid of bustling streets, and is just 10 blocks from the historic and culturally rich Old Town Arvada. Peck Elementary School is within close proximity, as well as the Majestic View Nature Center and the quaint Ladybug Park. Grocery shopping is convenient with Sprouts and King Soopers only 2.1 miles away.

Experience the arts and entertainment at the Arvada Center, located within a mile, featuring musicals and art exhibits. Golf enthusiasts will appreciate being just 1.1 miles from the APEX Indian Tree Golf Course and its Club House Restaurant. This home stands out with its unique design, offering a $4,000 landscaping allowance to customize your front yard.

The heart of the home is a designer kitchen, equipped with poplar cabinetry featuring soft-close doors and dove-tail construction. Modern appliances include an induction stove, dual dishwashers, a craft ice refrigerator, microwave drawer, and convenient spice cabinets. Elegant island pendants and a chandelier add to the ambiance. Practicality meets luxury with two laundry rooms, real solid white oak hardwood floors, plush carpeting, a den/study, and a vaulted family room that enhances the open concept layout.

Outdoor living is redefined with a massive 700 square-foot Trex deck, offering stellar views and privacy with a fully fenced 1/3 acre lot. The oversized 3-car side garage accommodates all your vehicles, boats, and trailers with ease. The finished basement is a versatile space, perfect as an in-law suite or ADU, complemented by extensive storage, new AC, an upgraded sprinkler system, and walkout access. The exterior's mostly brick construction ensures durability, and the property includes RV parking with the right ground cover.

Education is prioritized with access to outstanding JeffCo schools and the Apex Center. Modern conveniences include a new 200-amp electrical panel, updated plumbing, a roof replaced within the last decade, a sophisticated security system with a Ring doorbell, new sewer lines, and an upcoming injection pit installation. This home is a rare find, blending luxury, location, and convenience perfectly.

April 2024 Renassaince Stats Longmont

Reserve at Renaissance CURRENT ACTIVITY IN RESERVE AT RENAISSANCE Active Pending Sold

OUR MUTUAL OBJECTIVE IS TO SELL YOUR HOUSE

REAL ESTATE MARKET REPORT

RESERVE AT RENAISSANCE HOMES RECENTLY SOLD

AJ Chamberlin, Attitude Homes Team, and RE/MAX Alliance are not in any way affiliated with Reserve At Renaissance Home Owners Association, nor is this in any way an official advertisement or publication of

representation is based on sales and data reported by multiple brokers/agents to the IRES between October 26th, 2022 and April 3rd, 2024. Listings and sales may not be those of RE/MAX Alliance. The IRES does not guarantee the accuracy of this data, which may not reflect

all the real estate activity in the area. E&OE covered. This market report is not intended to solicit properties already listed for sale nor intended to cause a breach of an existing agency relationship. *Estimated square feet rounded down to nearest hundred.

STATUS STREET NAME BEDS BATHS

TOTAL EST. SQ. FT. LIST PRICE SOLD PRICE SOLD DATE

Sold Bella Vista Drive 4 4 4,811 $817,000 $775,500 03/07/24

Sold Arezzo Drive 4 4 2,420 $695,000 $705,000 10/16/23

Sold Bella Vista Drive 4 3 3,796 $790,000 $788,000 10/02/23

Sold Ravenna Place 3 3 2,420 $674,900 $674,900 09/29/23

Sold Naples Lane 4 3 3,796 $655,000 $755,000 08/30/23

Sold Arezzo Drive 4 3 2,523 $659,000 $675,000 05/25/23

Sold Ravenna Place 4 3 3,280 $695,000 $719,000 05/23/23

Sold Calabria Place 4 3 3,862 $749,900 $712,000 05/08/23

Sold Arezzo Drive 4 3 3,600 $735,000 $735,000 04/28/23

Sold Arezzo Drive 4 4 2,498 $700,000 $700,000 04/07/23

Sold Bella Vista Drive 4 3 3,796 $758,000 $780,000 03/31/23

Sold Ravenna Place 4 4 3,110 $725,000 $725,000 11/29/22

Sold Riley Drive 5 4 4,374 $799,900 $795,000 11/04/22

Sold Arezzo Drive 3 3 2,420 $650,000 $661,500 10/26/22

April 2024 Sugarloaf stats

Sugarloaf

OUR MUTUAL OBJECTIVE IS TO SELL YOUR HOUSE

REAL ESTATE MARKET REPORT

SUGARLOAF HOMES RECENTLY SOLD

AJ Chamberlin, Attitude Homes Team, and RE/MAX Alliance are not in any way affiliated with Sugarloaf Home Owners Association, nor is this in any way an official advertisement or publication of Sugarloaf. This representation is based on sales

and data reported by multiple brokers/agents to the IRES between December 21st, 2022 and April 3rd, 2024. Listings and sales may not be those of RE/MAX Alliance. The IRES does not guarantee the accuracy of this data, which may not reflect all the real estate activity in the

area. E&OE covered. This market report is not intended to solicit properties already listed for sale nor intended to cause a breach of an existing agency relationship. *Estimated square feet rounded down to nearest hundred.

STATUS STREET NAME BEDS BATHS EST. SQ. FT. LIST PRICE SOLD PRICE SOLD DATE

Sold S Peak Road 4 4 3,438 $1,435,000 $1,380,000 03/29/24

Sold S Peak Road 4 3 4,015 $1,675,000 $1,605,000 01/02/24

Sold Wild Tiger Road 3 2 2,824 $849,500 $850,000 12/22/23

Sold Mountain Meadows Road 3 2 1,248 $571,000 $545,000 12/18/23

Sold Mountain Meadows Road 3 4 2,915 $849,000 $820,000 11/22/23

Sold Sugarloaf Road 3 3 2,821 $1,650,000 $1,632,000 11/15/23

Sold Mountain Meadows Road 3 3 1,728 $867,500 $806,640 09/08/23

Sold Sugarloaf Road 3 2 1,368 $575,000 $545,000 09/05/23

Sold Sugarloaf Road 5 4 4,478 $1,850,000 $1,720,000 08/25/23

Sold Millionaire Drive 4 3 2,562 $1,090,000 $1,090,000 08/18/23

Sold Mountain Meadows Road 3 3 2,432 $824,900 $835,000 08/03/23

Sold Wild Tiger Road 4 2 2,016 $788,000 $778,857 05/26/23

Sold Lost Angel Road N/A N/A N/A $299,900 $299,900 05/25/23

Sold Old Townsite Road 3 2 2,909 $800,000 $800,000 12/21/22

HH Tax Appeal State Bill

Even if Prop HH passes, property taxes are still going up

CAPITOL REVIEW

By Mark Hillman

We didn’t need an election this November to receive a modest property tax reduction.

The legislature can cut taxes anytime; it doesn’t need voter approval.

But with Coloradans facing the largest property tax increase of our lifetime due to

soaring home prices, the legislature chose to put a massive expansion of government on the

ballot disguised as a property tax cut.

Remember this: even if Proposition HH passes, property taxes will still increase. If

property values double in the next 10 years, so will property taxes.

The deceptive ballot question asks: “Shall the state reduce property taxes for homes and

businesses…” That sounds good, so voters may not read much further. Even if they do, the

ballot never explains voting “yes” is agreeing to give up refunds under the Taxpayers Bill of

Rights (TABOR) and to permanently increase the cost of state government.

Voters are facing an average increase in home property taxes of 36% come next January.

In some communities, the increase could be nearly 50%. If Prop HH passes, the average

increase will be 26% - still the largest property tax increase of your lifetime.

The statewide average tax increase is estimated at $848 if HH fails and $617 if HH

passes. The only thing that truly decreases if HH passes are the annual refunds that voters

receive each year. This hidden part of HH will cost the average Colorado household $5,119 over

the next 10 years.

Even the legislature’s official ballot explainer says, “The measure results in a smaller

increase in property taxes than under current law.”

The devious part of HH is that lawmakers are paying for this small tax cut by taking it

way from TABOR refunds they owe to all taxpayers. They’re simply taking money out of your

left pocket to put it into your right pocket – and pretending they’re doing you a favor.

But all of that is small potatoes compared to the big picture bait-and-switch:

Tucked away in Prop HH is a provision that increases how much state government

spending can grow each year. Currently, the state constitution allows annual spending to

increase by the combined rate of population growth plus inflation. For 2023 that’s 8.5% or

about $1.5 billion in new spending.

Prop HH will add an extra 1% every year for 10 years. By 2032, that extra 10% adds up

to $2.2 BILLION A YEAR – all taken away from taxpayer refunds.

That’s not the end of the HH scam.

After 10 years, the legislature can continue to add 1% more per year to state spending

without voter approval. The only requirement is that lawmakers extend the HH property tax

rates. But if property values continue to soar, your property taxes will soar right along with

them.

Keep in mind the legislature has already increased regulation, taxes and fees by $1.8

billion – mostly without voter approval.

That’s still not the end of the HH scam.

Renters really get shafted by HH because they disproportionately lose their TABOR

refunds but won’t benefit from the small reduction in property taxes. Under HH, rental

properties are taxed at higher rates than owner-occupied properties, so rent costs will

inevitably increase to pay those taxes.

Worse still, the Legislature tries to bribe renters with a one-year change giving all

taxpayers equal refunds for 2023 only. Taxpayers with income under $99,000 will receive an

“extra” $37 to $233 for one year only. By the end of 10 years, higher state spending will eat up

everyone’s refunds.

Common Sense Institute predicts that renters “are the biggest losers” from Prop HH

because they will see none of the benefit from property tax reductions but will lose an

estimated $5,119 in tax refunds over the next 10 years.

Why would anyone vote for Prop HH? Proponents argue it will greatly improve public

school funding. So why didn’t they simply put that question on the ballot? Obviously because

they feared voters would say “no” unless tricked into thinking they were voting for a property

tax cut.

If Prop HH fails, Gov. Polis and lawmakers still have time to call a special session to pass

a straight-forward property tax cut. They passed the bill that created Prop HH in just three days.

They can do the same with real property tax relief. And they should.

Mark Hillman served as Senate Majority Leader and State Treasurer. To read more or comment,

go to www.MarkHillman.com.

CU Students Get Money Back from Class Action Lawsuit

https://www.dailycamera.com/2023/04/19/university-of-colorado-class-action-lawsuit-2020-5-million/?utm_email=54E1148A54201530D458F4FF5F&g2i_eui=5w6nOeHH4KkB%2f1ZICoFPFL%2bu%2bbg7i0a3&g2i_source=newsletter&lctg=54E1148A54201530D458F4FF5F&active=no&utm_source=listrak&utm_medium=email&utm_term=https%3a%2f%2fwww.dailycamera.com%2f2023%2f04%2f19%2funiversity-of-colorado-class-action-lawsuit-2020-5-million%2f&utm_campaign=pmp-daily-camera-morning-headlines&utm_content=curated

Commercial buildings and what classes and stars mean

Office Star Rating Definitions RATING GROUP DEFINITION «« ««« A 5-Star office building is exemplary of a state-of-the-art, category defining structure that represents the latest trends and quality in design and construction, prominent in its context or of a landmark status, and very likely a certified sustainable and energy efficient building. Buildings rated to exhibit the nation’s current set of highest quality structures and form the benchmark of current excellence in office buildings. Architectural Design Exterior Materials/ Façade High-quality durable materials – natural stone, glass, well detailed metal panels; accentuating lighting. Lobby/ Common Areas Double height or atrium lobby with top quality finishes/materials and artwork, clear and intuitive layout for visitors, comfortable waiting area, accentuating lighting, high level of finish in other common areas and elevator cabs/lobbies. Fenestration/ Glazing/ Views Full height glass, corner windows, abundant natural day lighting, generally available exterior views, high ratio of glazed to opaque exterior walls, highly efficient glazing specifications. Overall Aesthetics Positively differentiated from background buildings yet contextually appropriate. Representing current trends and standards in design and/or of a timeless, perhaps a historic quality. Aesthetically exceptional arrangement of forms, massing and materials. Likely designed by a notable or signature architect. CoStar Building Rating System COSTAR BUILDING RATING SYSTEM 5 RATING GROUP DEFINITION Access Clearly articulated entrance identified with an architectural feature; truck and service entrance distanced from main entrance. Structure/Systems High ceiling heights/slab-to-slab dimensions, efficient and virtually column free floor plans; modern energy-efficient HVAC, digitally controlled building automation systems, individual control/VAV units, efficient elevators with continuous shafts serving parking levels and upper floors, dedicated freight elevator. These buildings are likely to be constructed recently or undergone a significant renovation. Amenities/ Management Concierge, on-site management, fitness center, services (dry cleaning, shoe repair, etc.), security with streamlined ID and badging process, on-site conference facilities, bicycle storage, shower facilities, and other highly demanded amenities. Site/Landscaping/ Exterior Spaces Continually maintained landscaping where applicable; exterior gathering spaces, roof terrace or courtyard. Certifications Very likely a certified/labeled green and energy efficient building. At a minimum level, a 5-Star building typically includes the following: exterior materials listed above, a glazing ratio of approximately 75%, 12’ slab-to-slab dimension, a column free floor plan, a regular floor plate shape, and multiple desired amenities. «««« A very high quality building that maintains market leadership through the strength of its initial construction, continual above average maintenance and desirability for tenants and investors over time, These buildings are likely to be older than the current 5 Star set. Architectural Design Exterior Materials/ Façade High-quality durable materials – likely similar to 5 Star type yet possibly exhibiting signs of age and wear. Lobby/Common Areas Large lobby with clear circulation, above average finishes, comfortable waiting area. Fenestration/ Glazing/Views Full height glass or ribbon windows/large punched windows, great natural day lighting and views. Overall Aesthetics Positively differentiated from background buildings yet contextually appropriate. Representing recent trends and standards in design and/or of a timeless, perhaps a historic quality. Access Clearly articulated entrance identified with an architectural feature, truck and service entrance distanced from main entrance. Structure/Systems Likely to have some 5 Star qualities, or of a prior generation of buildings. Amenities/ Management Likely to have some 5 Star qualities, possibly without service oriented amenities. Site/Landscaping/ Exterior Spaces Well maintained landscaping where applicable; likely to have exterior gathering spaces, a roof terrace or courtyard. Certifications Likely a certified/labeled green and energy efficient building. ««« Architectural Design Exterior Materials/ Façade Brick, stucco, EIFS, precast concrete, or possibly higher rated materials with signs of age and wear. Lobby/ Common Areas Modest lobby size and finish, clear lobby layout for visitors. Fenestration/ Glazing/Views Punched or ribbon windows, fair mix of glazed and opaque surfaces that provides adequate natural light. Overall Aesthetics Average with respect to background buildings, contextually appropriate. Access Undifferentiated but obvious main entrance. Structure/Systems Minimal ceiling height, smaller, less flexible floor plate, likely older and renovated. Amenities/ Management Some standard amenities. Site/Landscaping/ Exterior Spaces Modest landscaping and likely small or no exterior spaces. CoStar Building Rating System COSTAR BUILDING RATING SYSTEM 6 RATING GROUP DEFINITION Certifications Possibly a certified/labeled green and energy efficient building. «« Architectural Design Exterior Materials/ Façade Brick, stucco, EIFS, precast concrete, with noticeable aging. Lobby/Common Areas Minimal or no lobby. Fenestration/ Glazing/Views Small, seemingly inadequate windows. Overall Aesthetics Average, functional. Access Unarticulated entrance. Structure/Systems Purely Functional. Amenities/ Management Likely none. Site/Landscaping/ Exterior Spaces Minimal or no landscaping, no exterior spaces. Certifications Unlikely a certified/labeled green and energy efficient building. « Practically uncompetitive with respect to the needs of a typical office tenants, may require significant renovation, possibly functionally obsolete. The building may have been originally constructed for non-office use.

Boulder Library Computers and Bathrooms are back open!

Main Library Update

Restrooms reopen and computer access returns

The library is taking steps to prevent future issues and keep the community safe. This includes: 

• Monitoring public restroom access 

• New private security firm with expanded coverage 

• Increased police presence in and around the building

Ten Chromebook laptops with access to browser-based resources are now available for use in-house. Soon, eight desktop PCs equipped with Microsoft Office and Adobe Creative Suite installed will become available.