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Are you ready to purchase your first home in Colorado? Good for you! Homeownership is truly the American Dream. It’s important to know that homebuying costs can quickly add up. You need to be prepared so you can make the move with confidence. Before you take the leap, here are six unexpected costs you need to consider.


1. Earnest Money. When you put an offer on a home, you have to put up “earnest money.” This is a deposit on your home purchase and tells the seller that you are a committed, trustworthy buyer. Earnest money is usually 1-2 percent of the total purchase price.

2. Appraisals and Inspections. Buyers are typically responsible for the appraisal, which ensures an accurate asking price. Budget several hundred dollars for this. Home inspections can prevent unexpected surprises like leaky pipes or foundation issues. Again, budget several hundred dollars for this and be sure to be there for the inspection so you understand any issues.

3. Homeowner’s Insurance. Most lending institutions require you to purchase homeowners insurance and pay for a year’s worth of coverage before a loan is approved. If you don’t put down at least 20% of the purchase price, you may be required to purchase mortgage insurance as well.

4. Escrow Fees and Accounts. The escrow fee is usually split between the buyers and sellers. In addition, most lenders require an escrow account to pay your property taxes and insurance. These monthly costs are rolled into your monthly mortgage payment.

5. Home Improvements, Maintenance and Repairs. It’s important to have additional funds readily available to cover any major repairs that may be required after closing, like HVAC , roof or water heater replacement. If you haven’t had a yard before, you’ll need to have funds for a lawnmower and weed eater, or a lawn maintenance service.

6. Moving Costs. This is often the most overlooked cost of buying a new home. Remember, you have to move your belongings from where you are currently living! Are you and your significant other moving in together for the first time? If so, you’re looking at the cost of TWO moves. It’s important to choose a reputable moving company that has a solid reputation, like Cowboy Moving & Storage in Denver. With more than 2,100 five-star review on ReviewBuzz, Cowboy Moving & Storage is one of the most respected moving companies in the state. Family owned and operated, Cowboy Moving & Storage has been helping Coloradans move since 1968. Whether you’re moving to your first home in Superior, a new apartment in Loveland, a larger home for your family in Aurora or upgrading to a smaller home for retirement in Littleton, Cowboy Moving & Storage is the wise choice in Colorado.

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  • cowboymoving


Are you moving to Colorado Springs or moving to the Denver Metro Area? Regardless of where you are moving in the state of Colorado, there are a lot of decisions to be made—and a lot of details to handle. Here are three key moving tips from the moving experts at Cowboy Moving & Storage.


Plan Ahead


Whether you’re moving to your first post-college apartment, the first home you’ve ever purchased, upgrading to a larger home for your family or moving to a senior living community, the most important thing you can do is plan ahead. It starts by keeping a notebook or digital file that dedicated to your move. Keep all important facts and dates in your file, including the names of your contacts at different moving companies you talk to, a list of utility companies you have to contact to end or begin service, a list of what you’re moving and what you’re getting rid of and all the other details. Be sure to share this file with all members of your family involved in the move. Update it daily.


Hire The Right Moving Company


There are lots of moving companies out there—and unfortunately, they’re not all reputable. You’ll want to research online review sites and make sure that the movers you get estimates from are in good standing with the Better Business Bureau. Be sure to get estimates from at least three moving companies. Moving costs are regulated so the estimates should come in very close to one another. If one bid comes in significantly lower than the others, walk away. Oftentimes companies will underbid a move and then try to hit you with lots of hidden costs to make up the difference. Most moving companies can give you an estimate over the phone. They’ll ask lots of questions about your belongings, the square footage of the home you’re moving out of, the number of stairs or floors in your home, etc. These all can affect the cost of your move.


Take The Time To Pack Essentials Boxes


There are things that should never be put in a moving van, like important legal papers, prescription medications and expensive possessions like jewelry. Pack boxes of these items and take them with you in your vehicle or even on a plane. You should also pack essential items for your bathroom

and conditioner, medication, hair dryers and other items you use daily to face the day. Pack a box of essentials for your bedroom, too—including pillows, linens and blankets, pajamas, a reading lamp and other items. Pack an essentials box for your kitchen, too—like a coffeemaker, toaster, quick and easy items for snacks and meals, paper plates, plasticware and cups and things you use the most, like olive oil, seasonings and maybe even a skillet or pot. You probably need an essentials box for your work or school, too. The last thing you want to do is search through hundreds of boxes to find the things you use and need the most.


Talk to A Moving Expert


If you’re moving anywhere in the state of Colorado, you should talk to the moving experts at Cowboy Moving & Storage. They offer state of the industry storage facilities, a dependable fleet of moving trucks and every employee has been drug tested, background checked and thoroughly vetted. After all, you don’t want to trust your valuables to just anyone. Cowboy Moving & Storage has been helping Coloradans move since 1968. It’s a family owned and operated company that’s dedicated to making your move as smooth as possible. Be sure to include them in your list of considered movers.

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  • cowboymoving



It’s a question multitudes of Baby Boomers are asking themselves. While technology does make it easier to live far away from grown children and grandkids, sometimes video calls and cell phone calls just aren’t enough. As many Boomers age, they may also need more family support nearby. There are lots of considerations, positives and negatives to moving away from the home you’ve loved and closer to family. The moving experts at Cowboy Moving & Storage in Denver, CO put together this list that might help you in your decision.


Yes, You’ll Get More Family Time


Even with COVID-19 in the mix, it’s easier for families to get together when they live near each other. Socially distanced visits in a park, being able to watch your grandchildren play soccer and enjoying holidays together make living nearby compelling.


You’ll Have More Support


What happens if you’re not feeling well and you can’t go to the grocery store? Or need a ride to the doctor? If you don’t live near family, these tasks can be daunting—especially if you’re not tech savvy (and many older people aren’t!). If you live near family members, they can support you in many ways. They can even help you connect with healthcare professionals, opportunities to meet new friends through their friends and local senior centers and more.


You’ll Experience New Opportunities


Any time you move, there are new things to discover and experience. Many elders are choosing to move to communities that cater to their interests and needs and are close to family. These senior communities often offer a more affordable cost of living and a more active social scene.


Ready to Move Closer to Your Family?


If you’re moving closer to your family in Colorado, you’ll want to choose a mover that is experienced with helping seniors move. Sure, you’ll probably want to downsize and get rid of some clutter before you move. However, you don’t have to pack and move yourself. Expert movers like Cowboy Moving & Storage can providing packing services, load and move your belongings to your new address and even provide unpacking services. Remember, you’re not as young as you used to be and you want to preserve your back and your health! Cowboy Moving & Storage is the #1 mover for seniors in Colorado. If you want your move to be as worry-free and hassle-free as possible, contact Cowboy Moving & Storage today at 303-789-2200.

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