Patty Neppell: Realtor, Swan Realty

10/20/2026

Spooky Season and my history nerd got together yesterday! One of the best Mortgage Specialists Tim Brannon brushed off his Tour Guide hat and showed us around Riverside Cemetery in Denver. It is the oldest operating cemetery in Denver! So much history!

10/17/2026

🏡 Nothing makes me happier than helping first-time buyers become homeowners!

I absolutely loved working with Erika and Tyler! Helping them navigate the homebuying process, negotiate a great deal, and finally celebrate the purchase of their very first home was such a pleasure.

They were also able to take advantage of the Care & Protect Mortgage Program, making this milestone even more special!

Thank you, Erika and Tyler, for your kind words and for trusting me to be part of such an exciting chapter in your lives. Wishing you many wonderful memories in your new home! 💚

If you're thinking about buying your first home, I'd love to help you explore your options, including special mortgage programs that may be available to you.

Patty Neppell | Real Estate Broker
Swan Realty
📞 303-944-6259
📧 [email protected]

10/15/2026

10/13/2026

🏡 Waiting for Lower Interest Rates? It Could Cost You More Than You Think!

One of the biggest questions I hear from buyers is, “Should I wait until mortgage rates come down?”

It's a fair question, but here's something worth considering: What if home prices continue to rise while you're waiting?

Over the past five years, Denver metro home values have increased approximately 12%.

📊 Let's look at the numbers:

🏠 Buy Today:

$500,000 home

7.25% interest rate

$100,000 down payment

Monthly principal & interest: $2,729

🏠 Wait and Buy the Same Home at a Higher Price:

$559,000 home

6.25% interest rate

$111,800 down payment

Monthly principal & interest: $2,753

💰 Here's the surprise:

Even with an interest rate that's a full percentage point LOWER, you could need nearly $12,000 MORE in cash for your down payment and STILL have a slightly higher monthly mortgage payment!

And that's before considering the equity you could have been building during those five years.

The takeaway? Trying to time the market isn't always the best financial strategy. Lower interest rates don't necessarily mean a more affordable home.

Of course, everyone's financial situation is different, and buying needs to make sense for YOU.

If you've been sitting on the sidelines waiting for rates to drop, let's run the numbers together. You might be surprised by what you discover!

📞 Patty Neppell | Real Estate Broker
Swan Realty Group
303-944-6259
📧 [email protected]

10/12/2026

🏡 Before You Lower Your Asking Price, Consider This!

When a home isn't selling as quickly as expected, the first instinct is often to reduce the price. But what if there's another strategy that could actually save a buyer MORE money each month?

💰 A seller concession toward a mortgage interest rate buydown may be more attractive to a buyer than an equivalent price reduction.

Take a look at the example in the graphic. On a $400,000 home, a $10,000 price reduction saves the buyer approximately $52 per month.

But using that same $10,000 toward a permanent interest rate buydown could potentially save the buyer $132 per month — an additional $79 in monthly savings!

Of course, actual savings depend on the loan terms, lender pricing, and available buydown options. The illustrated rate reduction would need to be confirmed by the buyer's lender.

Here's the takeaway:

✅ Sellers: Before automatically reducing your asking price, consider whether offering a concession could make your home more attractive to buyers.

✅ Buyers: Don't focus solely on getting the lowest purchase price. Sometimes negotiating seller concessions can have a bigger impact on your monthly housing costs.

Real estate negotiations aren't always about getting the lowest price. They're about structuring a deal that makes financial sense for everyone involved.

I've been working in Colorado real estate since 2004, and I know that having the right strategy can make all the difference.

Let's talk about what makes the most sense for your situation!

Patty Neppell
Real Estate Broker | Swan Realty Group
📞 303-944-6259
📧 [email protected]

10/08/2026

Welcome to 1265 Race Street #208, Denver — a comfortable 1-bedroom, 1-bath condo in one of Denver’s most loved and walkable neighborhoods.

Offered at $230,000, this condo gives you an incredible opportunity to enjoy the Cheesman Park lifestyle with the park just moments from your door.
Inside, you’ll find an updated kitchen with new appliances and countertops, a spacious walk-in closet, and comfortable, low-maintenance living. But one of my favorite features is the huge private deck — there’s plenty of room for both outdoor dining and a separate lounging area.

The building also offers an impressive list of amenities, including an indoor pool, fitness center, club/party room, elevator, additional storage, secure keypad entry, inviting lobby, and laundry facilities on multiple floors.
Whether you’re looking for a full-time Denver home, a pied-à-terre, or an easy city home base close to parks, restaurants and neighborhood conveniences, this one is definitely worth a look.

📍 1265 Race Street #208, Denver, CO
🛏 1 Bed | 1 Bath
💰 $230,000
Want more information or a private showing? Give me a call!

10/08/2026

Welcome to 1265 Race Street #208, Denver — a comfortable 1-bedroom, 1-bath condo in one of Denver’s most loved and walkable neighborhoods.

Offered at $230,000, this condo gives you an incredible opportunity to enjoy the Cheesman Park lifestyle with the park just moments from your door.

Inside, you’ll find an updated kitchen with new appliances and countertops, a spacious walk-in closet, and comfortable, low-maintenance living. But one of my favorite features is the huge private deck — there’s plenty of room for both outdoor dining and a separate lounging area.

The building also offers an impressive list of amenities, including an indoor pool, fitness center, club/party room, elevator, additional storage, secure keypad entry, inviting lobby, and laundry facilities on multiple floors.

Whether you’re looking for a full-time Denver home, a pied-à-terre, or an easy city home base close to parks, restaurants and neighborhood conveniences, this one is definitely worth a look.

📍 1265 Race Street #208, Denver, CO
🛏 1 Bed | 1 Bath
💰 $230,000

Want more information or a private showing? Give me a call!

Patty Neppell | Real Estate Broker
📞 303-944-6259
✉️ [email protected]

10/01/2026

Evergreen Market Update | September 2026 🏡🌲

Wondering what’s happening in the Evergreen market? In September, 40 homes sold in Evergreen, with an average sale price of $1,269,651 and a median sale price of $980,000. Homes spent a median of 53 days on market, and the median sale-to-list price ratio was 93%.

If you’ve been thinking about buying or selling in Evergreen, this kind of market insight can help you make a smarter move with confidence.

I’d be happy to talk with you about what these numbers mean for your specific property or real estate goals.