Pillar Refresh — Condo Guide

I refreshed my Denver Condo Guide today with three upgrades buyers keep asking for: new FAQs, better photo examples (what to look for in shared spaces), and a much clearer HOA + reserves section.

Condo deals aren’t “hard” right now—they’re document-driven. Lenders, insurers, and appraisers are paying closer attention to the health of the building, not just the unit. That means your leverage isn’t only price; it’s certainty.

Here’s what I’m tightening up in the guide (and what I’m coaching clients on in real time):

• HOA budget + reserves: Is the association consistently funding reserves (and do they have a plan for big-ticket items like roof, elevators, boiler, parking structure)?

• Special assessments + deferred maintenance: What’s been done, what’s coming, and who’s paying for it.

• Insurance pressure: Master policies and premiums are a bigger story in Colorado than they were even a year ago—so we’re reading the fine print earlier, not after inspection.

Why this matters now: the average 30-year fixed is 6.01% (Feb 19, 2026), and Denver is moving at a more patient pace—about $571K median sale price and ~70 days on market (Jan 2026). A slower tempo rewards buyers who do the paperwork well.

—Andy | Vail Peak Realty
#DenverRealEstate #CondoLiving #HOA #MortgageRates #FirstTimeHomeBuyer