According to the latest Case-Shiller report, Denver home values set a new all time record! That has some folks concerned about another bubble, but in my opinion that is not the case at all. Unlike the previous record in 2006, this market is very healthy and sustainable. The value run up in 2005 and 2006 was fueled by no documentation loans, down-payment assistance programs, no down payment loan programs, and sub-prime loans. Since the bubble burst in 2008-2009, today’s buyers are subject to the strictest loan guidelines in 30 years, everything regarding down payment, employment and income is documented, and they need to put a down payment down (except for VA loans). These things make all the difference in the health of the market, and the performance of the loans being done. This market is healthy and sustainable!