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Brandon Rearick, REALTOR®
Legal

Disclaimer

Plain disclosures about what the content, numbers, and tools on this site can and cannot do for you, and where to get figures you can actually rely on.

Last updated: August 13, 2026

General Information Only

Everything published on this site is general information about buying, selling, and investing in Northern Colorado real estate. It is written to help you understand a process and ask better questions. It is not advice about your particular property, transaction, or finances, and it does not account for facts we have not seen.

No content here creates a brokerage relationship. Representation begins only with a written agreement signed by both parties, as described in the terms of use.

Not Legal, Tax, Financial, or Inspection Advice

Brandon Rearick is a licensed real estate broker. He is not your attorney, accountant, tax adviser, financial planner, appraiser, home inspector, structural engineer, surveyor, or insurance agent, and nothing on this site should be read as work product from any of those professions.

Take these questions to the right professional

  • Contract interpretation, title defects, easements, boundary disputes, estate planning, and entity structure: a Colorado real estate attorney.
  • Capital gains, the primary residence exclusion, depreciation, 1031 exchanges, and deductions: a CPA or tax adviser.
  • Rate quotes, loan program eligibility, and qualifying income: a licensed lender or mortgage loan originator.
  • Condition, roof, sewer scope, radon, structure, and remaining service life: a licensed inspector or specialist contractor.
  • Insurability, wildfire risk scoring, flood zone, and premium: a licensed insurance agent.
  • Formal opinions of value for lending purposes: a licensed appraiser.

About the Mortgage Background

Brandon Rearick’s 14+ years in mortgage lending inform how strategy and timing are discussed on this site. That experience is context, not an offer of lending services.

He is acting solely as your real estate broker in any transaction arising from this site. He is not originating your loan, is not underwriting it, cannot approve or deny it, cannot lock or quote a rate, and receives no compensation from any lender for a referral. Loan decisions rest with your chosen lender, in writing.

Calculator and Estimate Disclaimer

The mortgage, affordability, seller net sheet, and rental ROI tools on this site produce estimates from the figures you type in. They are planning aids and nothing more.

  • No result is a loan quote, a pre-approval, a commitment to lend, an appraisal, an opinion of value, or a guaranteed net figure.
  • Property taxes, insurance premiums, HOA dues, mortgage insurance, title and lender fees, prorations, and transfer costs vary by property, lender, and closing date.
  • Seller net figures exclude items only your title company can compute, and change with negotiated concessions, payoff interest, and repair credits.
  • Rental projections rely on assumed rent, vacancy, expenses, and maintenance. Real properties underperform optimistic assumptions more often than they beat them.
  • Amortization output assumes a fixed rate, on-time payments, and no changes to escrow, which rarely all hold for thirty years.
  • Figures are shown in United States dollars and are not adjusted for inflation.

Confirm your real numbers with your lender’s loan estimate, your title company’s settlement statement, the county assessor, and your insurance agent before making a decision or writing an offer.

Listing, Property, and Market Information

Listing information reaches this site through a third-party IDX search supplied by eXp Realty and originates with the applicable multiple listing service. It is deemed reliable but is not guaranteed, and it can be delayed or withdrawn without notice.

  • Verify square footage, lot lines, bedroom and bathroom counts, year built, permits, and zoning independently.
  • School district and attendance boundaries change. Confirm current assignment directly with the school district before relying on it.
  • HOA dues, rules, rental restrictions, and reserves must be confirmed from current association documents.
  • Community descriptions on this site are qualitative and reflect character and lifestyle, not statistical claims about prices or market conditions.
  • Any past results referenced, including transaction counts, describe prior work and do not predict what will happen in your transaction.

Testimonials and Third-Party Content

Client comments published on this site reflect the individual experience of those clients in their own transactions. They are not a guarantee, a warranty, or a prediction that you will have the same result. No one is paid for a testimonial.

Links to outside websites and mentions of local professionals are provided as a convenience. Those businesses are independent, we do not control their work or content, and inclusion is not a warranty of their services. Verify licensing, insurance, and references yourself.

Fair Housing and Equal Opportunity

Brandon Rearick and eXp Realty fully support the Fair Housing Act and the Equal Opportunity Act, and comply with the Colorado Anti-Discrimination Act. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity or expression, national origin, ancestry, creed, familial status, marital status, disability, source of income, or any other class protected by federal, state, or local law.

Community and neighborhood descriptions on this site discuss geography, housing stock, amenities, and lifestyle. They are never intended to describe the people who live in an area, to steer any buyer toward or away from a neighborhood, or to suggest that any area is more or less suitable for members of a protected class. If any wording reads otherwise, it is unintentional. Tell us and it will be corrected.

Every buyer is welcome to consider any home and any area they choose, and we are glad to arrange reasonable accommodations so you can access our services.

Accessibility, Accuracy, and Changes

We aim to keep this site usable with a keyboard, with a screen reader, and at any screen size. Portions supplied by third parties, including the embedded listing search, are outside our control. If you hit a barrier anywhere on this site, contact us and we will help you get the information another way and work to fix the issue.

Content is reviewed periodically, but real estate rules, contract forms, loan programs, tax treatment, and local requirements change, and errors and omissions are possible. This site may be updated or corrected at any time without notice, and no duty to update is assumed. If something here conflicts with a document in your transaction, the transaction document governs.

Questions belong on the contact page, where you can call, text, or send a message.

Questions About This Page

Write to brandon@brandonrearick.com or use the contact page. Brandon Rearick is a licensed Colorado real estate broker, license 100077271, with eXp Realty.

Brandon Rearick, REALTOR®, eXp Realty. License 100077271. Brandon Rearick is a licensed real estate broker in the State of Colorado.