real estate

Charming Home with Functional Design – Your Dream Real Estate Find

Charming Home with Functional Design – Your Dream Real Estate Find

Looking for a home that wraps you in warmth, charm, and smart design?

You’ve just found it. From the moment you set eyes on this beautifully crafted property, you’ll be captivated by its inviting ambiance and thoughtful details. It’s not just a house; it’s a place where you can truly feel at home.

Valencia Condominiums 55+ Community: Spacious Living, Stunning Views & Prime Location

Welcome to the Valencia Condominiums: Your Ideal 55+ Community

Are you ready to enjoy a peaceful and convenient lifestyle in a community designed just for adults aged 55 and above?

The Valencia Condominiums might just be the perfect fit for your next chapter. This thoughtfully maintained property offers everything from stunning mountain views to top-notch amenities, all within a prime location.

Spacious and Airy Living

Step into this charming 1-bedroom, 1-bathroom condo and feel the difference an open floor plan makes.

The design creates a spacious and airy atmosphere, making it perfect for both relaxing evenings at home and entertaining guests. Picture yourself unwinding in the serene living room or stepping out onto the private back porch to take in breathtaking views of the mountains.

There’s no better way to start or end your day than with that view!

A Kitchen Built for Comfort

If you love to cook or simply value functionality, the kitchen in this condo doesn’t disappoint.

With plenty of space for preparing meals and ample storage, you’ll find everything you need to whip up your favorite dishes or try out new recipes. It’s a space that blends practicality with charm, making it a joy to spend time in.

Amazing Community Amenities

Living at Valencia Condominiums isn’t just about your personal space.

One of the standout features of this community is the array of amenities designed to enhance your lifestyle. Imagine spending sunny afternoons lounging by the refreshing swimming pool or enjoying friendly matches on the tennis courts. These shared spaces are perfect for staying active, socializing, and making the most of your leisure time.

Prime Location in the Heart of It All

Another highlight of this property is its unbeatable location. Everything you need is right at your fingertips.

From delicious restaurants and convenient shopping options to easy access to public transportation, you’ll appreciate the way this community combines tranquil living with urban convenience.

Whether you’re running errands, meeting friends for lunch, or exploring the neighborhood, getting around is always easy and stress-free.

A Cozy Retreat You Can Call Home

This cozy 1-bedroom condo is a true gem, offering serene mountain views, the comfort of a spacious open floor plan, and access to a thriving community. It’s a rare find for adults looking for a perfect balance of peaceful living, vibrant community amenities, and a convenient location.

Don’t miss the chance to make this your new home. Whether you’re looking to downsize, start fresh, or simply want a place that feels like a daily retreat, this Valencia Condominiums property may be exactly what you’re looking for.

📞 Contact us today to schedule a private showing or to learn more about this wonderful opportunity!

Your ideal home in the 55+ community of Valencia Condominiums is waiting. Could this be the start of your next adventure? 💫

Work With Fixed Rate

Fixed Rate Real Estate is proud to be Colorado’s trusted partner for full-service, flat-rate real estate solutions. With our expert team by your side, we make selling your home in the Denver Metro and surrounding areas simple, transparent, and stress-free.


Say goodbye to high commissions and hello to maximum value. Your home deserves the best—we’re here to deliver it.

Updated Condo for Sale - Prime Location Near Lamar Light Rail Station

Light & Bright Updated Condo!

Looking for the perfect condo that blends comfort, convenience, and a touch of style? This updated gem is ready to welcome you home.

With seller financing available for qualified buyers, this property is as practical as it is appealing. From its inviting interior to its unbeatable location near a variety of amenities, this condo offers a one-of-a-kind opportunity that you don't want to miss.

A Welcoming Interior Designed for Comfort

Step inside and be captivated by the condo’s light and bright ambiance, perfectly complemented by low-maintenance LVP flooring in the bedrooms, bathroom, and living spaces. The kitchen is equally refined, with durable tile flooring creating a seamless and stylish foundation throughout.

Boasting two large bedrooms with nice-sized closets, you’ll have plenty of room to unwind and store your essentials. The updated bathroom is thoughtfully designed with a modern tile shower surround, upgraded vanity, and extra storage space over the toilet, ensuring both form and function are covered.

Convenience and Parking Made Easy

Tired of circling the block for parking? This condo has you covered with its reserved parking space right outside the building for quick and easy access.

For friends and family visiting, there’s additional guest parking just off to the side, making entertaining hassle-free.

Location, Location, Location!

This condo is perfectly positioned along the 40 West ArtLine, a vibrant 4-mile walking and biking arts experience. Love being connected?

The property is just ½ block (~800 feet) from the Lamar Light Rail Station on the W Line and also sits along the West Rail Line Bike Path, providing easy access to Denver and beyond.

If that’s not enough, you’ll be surrounded by an incredible variety of entertainment, dining, recreation, and shopping options within a 1-2 mile radius. A short distance from home, you’ll find:

  • Casa Bonita

  • Sloan’s Lake for outdoor adventures

  • Edgewater Public Market with its fantastic array of eateries and shops

  • Planet Fitness

  • Sweet Bloom Roasters, perfect for coffee lovers

  • King Soopers and Target for all your shopping needs

Venture a little further, and you’ll stumble upon local favorites like Little Man Ice Cream (Colfax), Odell Brewing, and US Thai Cafe.

Whether you crave a bike ride, an art walk, or a relaxed evening enjoying the local scene, this location delivers on all fronts.

Fiber Internet Connectivity

For remote workers or tech enthusiasts, the property offers excellent connectivity options. CenturyLink provides Fiber Internet, and the neighborhood is actively expanding Google Fiber, offering blazing-fast speeds for work or play.

Don’t Miss Out!

If you’ve been searching for a home that combines modern updates, urban convenience, and financial flexibility, this condo is it. With its prime location, stylish interior, and seller financing available, it checks all the boxes and more.

What are you waiting for? Contact us today to schedule your private showing or learn more about this fantastic opportunity! Make your move before it’s gone!

Work With Fixed Rate

Fixed Rate Real Estate is proud to be Colorado’s trusted partner for full-service, flat-rate real estate solutions. With our expert team by your side, we make selling your home in the Denver Metro and surrounding areas simple, transparent, and stress-free.

Say goodbye to high commissions and hello to maximum value. Your home deserves the best—we’re here to deliver it.

Modern Two-Story Denver Townhome for Sale - Prime Location and Stylish Living

Discover Your Dream Townhome in Denver!

Are you ready to find a home that perfectly combines comfort, style, and convenience?

Look no further! This stunning two-story townhome in Denver is waiting to welcome you. From its modern features to its prime location, it offers everything you need to enjoy a blissful lifestyle.

An Inviting Space to Call Home

Step inside and be greeted by a bright and inviting living room bathed in natural light.

The open layout ensures a seamless flow into the dining area, making it the ideal setup for hosting friends or enjoying family dinners.

The home's neutral palette creates a soothing atmosphere, accentuated by the beautiful mix of wood-look and tile flooring. Dual-pane windows not only enhance the aesthetic appeal but also keep your living space cozy and energy-efficient.

A Kitchen That's as Stylish as It Is Functional

Cooking enthusiasts will fall in love with the thoughtfully designed kitchen.

Equipped with plenty of cabinetry for all your storage needs, this space is both practical and beautiful. Stainless steel appliances add a touch of modern elegance, ensuring that every meal you prepare feels like an effortless delight.

Bedrooms Made for Relaxation

Head upstairs to find two spacious bedrooms, each outfitted with plush carpets that add a layer of comfort.

These rooms offer well-sized closets that provide plenty of storage for your wardrobe and essentials. Whether you're starting your day or unwinding in the evening, these tranquil spaces are perfect for relaxation.

Convenience Inside and Out

The townhome even comes with a conveniently located powder room on the main level for easy accessibility.

A 1-car garage adds to the convenience, providing secure parking and extra storage space. And let's not forget the unbeatable location. You'll be just minutes away from fantastic dining spots, quality schools, and major highways, making your daily commute and errands a breeze.

Don’t Miss Your Chance!

With its incredible features and prime location, this charming townhome won’t stay on the market for long.

What are you waiting for? Contact us today to schedule your private showing! Take the first step toward making this stunning property your own, and start your next chapter in comfort and style.

Work With Fixed Rate

Fixed Rate Real Estate is proud to be Colorado’s trusted partner for full-service, flat-rate real estate solutions. With our expert team by your side, we make selling your home in the Denver Metro and surrounding areas simple, transparent, and stress-free.


Say goodbye to high commissions and hello to maximum value. Your home deserves the best—we’re here to deliver it.

Modern 2-Bedroom Condo for Sale in Zen/Aria Condos - Stylish Living in a Convenient Location

Cozy Modern Living in Zen/Aria Condos – 2BD Unit Perfect for You!

If you're in the market for a home that seamlessly blends style, comfort, and convenience, this charming 2-bedroom unit in the sought-after Zen/Aria Condos could be exactly what you’ve been waiting for.

Every detail has been thoughtfully designed to create a harmonious and inviting living space.

Step Into Comfort and Style

From the moment you walk in, you’ll be captivated by the open and airy layout. High ceilings make the space feel expansive, while a soothing palette and attractive wood-look flooring add a timeless and modern touch. This open-concept design offers a perfect balance between cozy and elegant, making it an inviting retreat you’ll love coming home to.

A Kitchen Tailored for Modern Living

At the heart of this residence is a stunning open-concept kitchen, crafted with both functionality and style in mind.

With sleek quartz countertops, chic white shaker cabinetry, and a tasteful tile backsplash, it’s as visually appealing as it is practical. The stainless steel appliances complete the look, ensuring every cooking session is smooth and enjoyable.


Bedrooms That Invite Relaxation

Both bedrooms offer well-proportioned and comfortable spaces to unwind.

One features soft carpeting for an added layer of warmth and coziness, while the other is perfect for accommodating guests, a home office, or simply creating your serene sanctuary.


Your Personal Outdoor Escape

Step outside to the open patio, a tranquil space that invites you to savor quiet moments.

Whether you're enjoying a good book, your morning coffee, or an evening cup of tea, this peaceful spot adds an extra layer of charm to your new home.


Convenience at Your Doorstep

Location is everything, and this Zen/Aria Condos unit has it all.

Close to bus stops, restaurants serving delectable cuisine, and freeway access, you’ll have all you need within arm’s reach. Whether you're commuting, dining, or exploring the city, this prime location ensures you're never far from what you need or love.


Make It Yours Today!

This incredible 2-bedroom unit in Zen/Aria Condos is more than just a home; it’s a lifestyle upgrade waiting for you. With comfortable, stylish interiors and a convenient location, it’s ready to welcome its next owner.

Don't miss out on this opportunity! Schedule a showing today and take the first step toward making this gorgeous condo your own.


Work With Fixed Rate

Fixed Rate Real Estate is proud to be Colorado’s trusted partner for full-service, flat-rate real estate solutions. With our expert team by your side, we make selling your home in the Denver Metro and surrounding areas simple, transparent, and stress-free.


Say goodbye to high commissions and hello to maximum value. Your home deserves the best—we’re here to deliver it.

Move-In-Ready 3-Bedroom Home for Sale in Montbello, CO - Fully Updated and Loaded with Modern Features

Looking for a home that blends modern upgrades with undeniable charm?

This beautifully updated 3-bedroom, 1-bathroom home in Montbello, CO, checks all the boxes. From its fresh finishes to practical features, this property is perfect for buyers seeking the complete package in a fantastic neighborhood.

A Kitchen That Wows

Step inside and fall in love with the fully renovated kitchen, designed to combine style and functionality.

You’ll find stunning quartz countertops and a sleek modern backsplash that adds a contemporary touch. The brand-new stainless steel appliances make cooking a breeze, while the easy-to-maintain LVP flooring extends through the main living areas, adding elegance and durability.

Every detail has been carefully considered, making this kitchen the heart of the home.

Comfort Meets Style

Two of the three cozy bedrooms feature brand-new carpet, ensuring a soft and comfortable feel underfoot.

Whether you're winding down at the end of the day or enjoying a lazy Sunday, these spaces provide the perfect retreat. The fresh paint on the exterior adds curb appeal and highlights the care that’s been poured into every corner of this property.

Backyard Bliss

Love spending time outdoors?

The spacious, fully fenced backyard is your private oasis, offering room for everything from backyard barbecues to creating your dream garden. It’s the perfect space for hosting, relaxing, or letting the kids and pets play freely.

Plus, with the fully fenced perimeter, you’ll enjoy both privacy and peace of mind.

Convenience at Your Fingertips

The attached 1-car garage adds incredible convenience, offering storage and secure parking.

Whether it’s space for tools, outdoor gear, or seasonal decorations, you’ll have the storage you need without the clutter!

Your New Home Awaits

Situated in the vibrant Montbello community, this home is more than just a place to live—it’s a place to thrive. With its move-in-ready condition and impressive updates, you can skip the stress of renovations and start enjoying your new home from day one.

Don’t wait to see this gem for yourself. Properties like this don’t stay on the market for long, especially with these modern upgrades and a location that’s hard to beat.

Schedule your showing today and take the first step toward making this house your home!

Work With Fixed Rate

Fixed Rate Real Estate is proud to be Colorado’s trusted partner for full-service, flat-rate real estate solutions. With our expert team by your side, we make selling your home in the Denver Metro and surrounding areas simple, transparent, and stress-free.

Say goodbye to high commissions and hello to maximum value. Your home deserves the best—we’re here to deliver it.

Charming Ranch-Style Home in University Hills with Modern Upgrades and Prime Location

Your Dream Home Awaits in University Hills

Imagine living in a home that perfectly blends charm, comfort, and convenience. This delightful ranch-style property in the highly desirable University Hills neighborhood is a golden opportunity for anyone looking to settle in a space that feels like home from the moment you step inside.

A Layout You’ll Love

The light-filled open floor plan is a standout feature, designed to seamlessly connect the living room and dining area. Whether you're hosting lively dinner parties or enjoying a quiet night in, this layout makes every occasion feel special. With neutral paint tones and a tasteful mix of tile and carpet flooring throughout, the home offers a welcoming and versatile canvas for your personal style.

A Kitchen That Shines

Step into the sleek and functional kitchen, where white shaker cabinetry, ample counter space, and sparkling stainless steel appliances create a clean and modern aesthetic. Whether you're an experienced chef or just mastering the art of toast, this kitchen will inspire you to whip up something delicious. Plus, the convenience of a stacked laundry area tucked within the kitchen adds functionality without compromise.

Versatile Bedrooms to Fit Your Life

This home offers three perfectly sized bedrooms, each full of possibilities. One could be your peaceful retreat, another a dedicated home office, and perhaps even a creative studio or guest room. Whatever your lifestyle demands, these rooms are ready to accommodate. The spotless bathroom is another highlight, featuring a shower and tub combo that delivers comfort and practicality.

Step Outside to Your Personal Retreat

The outdoor space is where this property truly shines. The large fenced backyard, complete with a covered patio, is ideal for relaxing, hosting barbecues, or simply enjoying the Colorado sunshine. With plenty of space for gardening or pets, it’s a haven for both adults and kids alike.

Location, Location, Location

Living in University Hills means having some of the area’s best amenities practically at your doorstep. You’ll love being just minutes from the:

  • High Line Canal Trail for scenic walks and bike rides.

  • University Hills Shopping Center with its array of stores and dining options.

  • Eisenhower Recreation Center for fitness and community programs.

  • Wellshire Golf Course for a round of golf with friends or family.

Commuting is a breeze too, with easy access to I-25 and light rail stops nearby. With parks, schools, shops, and restaurants all within reach, this location is as convenient as it is desirable.

Recent Upgrades That Add Extra Value

This home is not just beautiful; it’s also move-in ready with the following major updates:

  • New roof and gutters to provide durability and peace of mind.

  • New sewer line for a trouble-free experience.

  • New stainless steel appliances to enhance your kitchen's style and functionality.

Don’t Miss This Opportunity!

This charming ranch-style home isn’t just a dwelling; it’s a lifestyle upgrade. With its welcoming design, fantastic backyard, and unbeatable location, it’s the perfect place to start your next chapter.

Schedule your tour today and discover why this home in University Hills is everything you’ve been looking for! 🏡

Work With Fixed Rate

Fixed Rate Real Estate is proud to be Colorado’s trusted partner for full-service, flat-rate real estate solutions. With our expert team by your side, we make selling your home in the Denver Metro and surrounding areas simple, transparent, and stress-free.

Say goodbye to high commissions and hello to maximum value. Your home deserves the best—we’re here to deliver it.

Stunning Tri-Level Home for Sale In Highlands Ranch with Scenic Views and Modern Features

2641 Channel Drive, Highlands Ranch, CO 80129

Are you ready to fall in love with your next home?

Nestled in the beautiful Highlands Ranch community, this stunning tri-level residence is the perfect combination of style, functionality, and picturesque surroundings. With a design that maximizes space and embraces natural light, this home checks all the boxes for modern living.

From its spacious open floor plan and chef-worthy kitchen to scenic mountain and lake views, every detail is crafted to impress. Don’t miss your chance to claim this rare gem as your own!

A Tri-Level Masterpiece

The unique tri-level design of this home offers more than just good looks. It’s a layout that feels both spacious and practical. With thoughtful separation of spaces, you’ll enjoy privacy when you need it and inviting areas for gathering with family or friends.

Whether you're raising a family, working from home, or entertaining guests, this home’s design adapts effortlessly to your lifestyle.

A Light-Filled Open Floor Plan

Step inside and be greeted by an open floor plan that’s bathed in natural light. Large windows complement the sleek wood flooring and a neutral color palette, creating an airy, inviting atmosphere.

Recessed lighting adds a modern touch while enhancing the home’s warm ambiance. The seamless flow between living spaces is perfect for hosting dinners, movie nights, or simply spending quality time with loved ones.

A Kitchen That Inspires

At the heart of this home is a chef’s dream kitchen that’s as functional as it is beautiful. Here, you’ll find everything you need to prepare your favorite meals or host unforgettable gatherings. Features include:

  • Ample cabinetry with elegant crown molding for a polished look

  • Granite countertops that marry durability with timeless style

  • A prep island with a breakfast bar, perfect for casual dining

  • Stainless steel appliances, including a wall oven and gas cooktop that make cooking a joy

  • A spacious walk-in pantry to keep your kitchen organized and clutter-free

Whether you’re whipping up a quick breakfast or entertaining guests for a gourmet dinner, this kitchen has you covered.

Spacious and Luxurious Bedrooms

When it’s time to unwind, this home doesn’t disappoint.

The primary bedroom is a true retreat, featuring plush carpeting that adds comfort and style. The ensuite bathroom feels like a spa, with dual sinks, an enclosed glass shower, and a generous walk-in closet.

But that’s not all. This home also includes a second main bedroom, complete with its own private bathroom. Whether you need a guest suite, space for a family member, or a private office, this extra room brings incredible versatility and convenience.

Spectacular Views and Outdoor Living

One of the home’s standout features is its breathtaking outdoor spaces.

Enjoy panoramic mountain and lake views from the rooftop deck, a serene space that’s perfect for soaking up the beauty of Colorado. For quieter moments, the cozy balcony provides the ideal spot for morning coffee or unwinding with an evening glass of wine.

If you love to entertain, these outdoor areas will quickly become your favorite. From summer barbecues to stargazing nights, the possibilities are endless.

A Rare Opportunity

It’s not every day that a home like this comes onto the market. From its thoughtful tri-level design to its stunning views, this property is truly one of a kind. And its location in Highlands Ranch places you close to excellent schools, parks, shops, and dining options, making it an even more attractive opportunity.

Schedule Your Viewing Today

Don’t wait to make this incredible residence your own. Opportunities like this are rare, and this home won’t be available for long. Reach out to schedule a viewing, and see for yourself what makes this house so special.

This just might be the perfect home you’ve been searching for. Make it yours before someone else does!

Work With Fixed Rate

Fixed Rate Real Estate is proud to be Colorado’s trusted partner for full-service, flat-rate real estate solutions. With our expert team by your side, we make selling your home in the Denver Metro and surrounding areas simple, transparent, and stress-free.

Say goodbye to high commissions and hello to maximum value. Your home deserves the best—we’re here to deliver it.

Preparing For A Showing

Here Are Some Helpful Tips To Ensure Buyers Love Your Home!

  1. Open all draperies and window shades during the daylight hours.

  2. Turn on all lights and replace bulbs with high wattage bulbs where needed.

  3. Open windows a half hour before showing to circulate fresh air.

  4. Place fresh flowers on the kitchen table and/or living room.

  5. If possible, bake cookies or bread to add an inviting aroma.

  6. The kitchen and bathroom should sparkle.

  7. The house should be picked up and beds made.

  8. Pets should be removed.

  9. Eliminate pet odors, not everyone may share your love of animals and some people may be allergic.

  10. All jewelry and valuables should be secured or removed.

  11. Bathrooms should be cleaned, with towels folded and lids down.

  12. When you leave the house, please leave it as if you know it is going to be shown, you never know when the right person is going to look at it!

Hard & Soft Credit Inquiries: What They Are And Why They Matter

A hard inquiry may impact your credit scores and stay on your credit reports for about two years. By contrast, soft credit inquiries won’t affect your scores.

Your pie is divided into slices, each of which represents a different factor that goes into your credit scores. One large slice is your open credit card utilization rate, another is your percentage of on-time payments, another is the length of your credit history and yet another is the number of derogatory marks on your credit reports.

And then there’s a tiny slice that represents your hard credit inquiries. Every time you apply for more credit, you take a small bite out of this slice. But what exactly is a hard inquiry, and how much of an effect does it really have on your credit?

Let’s start with the basics.

What is a hard inquiry?

Hard inquiries (also known as “hard pulls”) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them.

A hard inquiry could lower your scores by a few points, or it may have a negligible effect on your scores. In most cases, a single hard inquiry is unlikely to play a huge role in whether you’re approved for a new card or loan. And the damage to your credit scores usually decreases or disappears even before the inquiry drops off your credit reports for good.

Common Question

How long will a hard inquiry stay on my credit reports?

Generally speaking, hard inquires stay on your credit reports for about two years.

That doesn’t sound so bad, but you may want to think twice before applying for a handful of credit cards at the same time — or even within the span of a few months. Multiple hard inquiries in a short period could lead lenders and credit card issuers to consider you a higher-risk customer, as it suggests you may be short on cash or getting ready to rack up a lot of debt. So consider spreading out your credit card applications.

What is a soft inquiry?

Soft inquiries (also known as “soft pulls”) typically occur when a person or company checks your credit as part of a background check. This may occur, for example, when a credit card issuer checks your credit without your permission to see if you qualify for certain credit card offers. Your employer might also run a soft inquiry before hiring you.

Unlike hard inquiries, soft inquiries won’t affect your credit scores. (They may or may not be recorded in your credit reports, depending on the credit bureau.) Since soft inquiries aren’t connected to a specific application for new credit, they’re only visible to you when you view your credit reports.

Common Question

Will checking my own credit scores result in a hard inquiry?

No. This is reported as a soft inquiry, so it won’t lower your scores. You can check your VantageScore 3.0 credit scores from two major credit bureaus, TransUnion and Equifax, for free at Credit Karma as often as you like without affecting your credit scores.

Examples of hard and soft credit inquiries

The difference between a hard and soft inquiry generally boils down to whether you gave the lender permission to check your credit. If you did, it may be reported as a hard inquiry. If you didn’t, it should be reported as a soft inquiry.

Let’s look at some examples of when a hard inquiry or a soft inquiry might be placed on your credit reports. Note: The following lists are not exhaustive and should be treated as a general guide.

Common hard inquiries

  • Mortgage applications

  • Auto loan applications

  • Credit card applications

  • Student loan applications

  • Personal loan applications

  • Apartment rental applications

Common soft inquiries

  • Checking your credit score on Credit Karma

  • “Pre-qualified” credit card offers

  • “Pre-qualified” insurance quotes

  • Employment verification (i.e. background check)

Keep in mind, there are other types of credit checks that could show up as either a hard or soft inquiry. For example, utility, cable, internet and cellphone providers will often check your credit.

If you’re unsure how a particular inquiry will be classified, ask the company, credit card issuer or financial institution involved to distinguish whether it’s a hard or soft credit inquiry.

How to dispute hard credit inquiries

We recommend checking your credit reports often. If you spot any errors, such as a hard inquiry that occurred without your permission, consider disputing it with the credit bureau. You may also contact the Consumer Financial Protection Bureau (CFPB) for further assistance.

This could be a sign of identity theft according to Experian, one of the three major credit bureaus. At the very least, you’ll want to look into it and understand what’s going on.

Keep in mind, you can only dispute hard inquiries that occur without your permission. If you’ve authorized a hard inquiry, it generally takes two years to fall off your credit reports.

How to minimize the impact of hard credit inquiries

When you’re buying a home or car, don’t let a fear of racking up multiple hard inquiries stop you from shopping for the lowest interest rates.

FICO gives you a 30-day grace period before certain loan inquiries are reflected in your FICO® credit scores. And FICO may record multiple inquires for the same type of loan as a single inquiry as long as they’re made within a certain window. For FICO scores calculated from older versions of the scoring formula, this window is 14 days; for FICO scores calculated from the newest versions of the scoring formula, it’s 45 days.

Similarly, the VantageScore model gives you a rolling two-week window to shop for the best interest rates for certain loans. “That way, they only impact your credit score once,” the company says.

Bottom line

Your credit scores play a big role in your financial well-being. Before applying for credit, take time to build your credit scores. With stronger credit, you may improve your chances of being approved for the financial products you want at the best possible terms and rates.

To help you keep track of hard inquiries that may influence your credit scores, check your credit report from TransUnion at Credit Karma. While one hard inquiry may knock a few points off your scores, multiple inquiries in a short amount of time may cause more damage.