6 Ways to Make Your Bedroom Instantly Cozier for Cold Weather, According to Designers

 
 

Fall is here, which means pumpkin spice season, crisp walks, and perhaps a visit to the pumpkin patch. But, it’s also the perfect time to stay home, get cozy, and unwind with a good book or your favorite binge-watch. If your bedroom still feels like summer, though, the vibe can be, well…a little cold.

That’s why it’s the perfect time to give your home a seasonal refresh, according to designer Joshua Praught of Studio Joshua. “For me, design is about creating a sensory refuge—spaces that restore you and honor the rhythm of the seasons,” he says. “A well-designed home isn’t just about how it looks, but how it feels to live in it.”

The good news? Updating your bedroom for fall and winter is easier than you think. Here’s how to create a warm, inviting space that feels just right for the colder months ahead.

Swap Out Your Bedding

While some linens are great for the summer, they might not be ideal for the fall and winter. So, changing out your bedding seasonally is a great way to give your bedroom a little refresh. “Think about swapping out your white and cool-toned textiles for warm rust tones, plums, and camels,” suggests Lauren Grant of Lauren Grant Design. “Swap out linen and cotton fibers for soft textures like velvet, chenille, and wool.”

Bring in Some Fresh Layers

New sheets, comforters, and duvets can be expensive, so a whole set of new bedding might not be in your budget. But don’t fret—you just need to think creatively and add a layer or two onto what you already have. Even a fresh throw can make your bed look and feel brand new.

Praught likes adding a mohair throw for the colder seasons, but there are many options depending on how you want to feel. “Begin with how you want to feel in this season,” he says. “Maybe it’s grounded, inspired, romantic, or restful. Every change should support that emotion. I always start by editing—put away what feels too light or busy from summer—and then add a few meaningful layers back in.”

Another great way to add layers? A new throw pillow (or two). Keep in mind, you don’t even need to replace your pillows. It’s usually less expensive to get new covers. If you prefer a fall color scheme, go with chocolate browns and rust hues. If you’re ready to dive into winter, consider navy and hunter green.

Consider New Curtains

Do you use blackout curtains to block the summer light? With less light in the winter, you may want to mix things up. Sheer white curtains can be fairly inexpensive and complement most design styles. They’ll give you privacy while still letting light in.

If you prefer blackout curtains to help with sleep, or to block that bright streetlight shining through your window, try adding a second rod and layering sheer curtains underneath. Close the heavier ones before bed, then open them in the morning and leave the sheers drawn during the day to maintain the perfect balance of light and privacy. On the other hand, if you used lighter curtains during the summer, Praught advises installing something bold and textured, like velvet, for the chillier months instead.

Place a Storage Bench at the End of Your Bed

Buying new bedroom furniture can be pricey, but an accent like storage benches gives a designer’s touch while being relatively affordable, says Darrell Gardner, director of product development at CORT. “Consider an upholstered bench with hidden storage at the foot of the bed,” he suggests. “It’s functional, looks intentional, and saves you from the avalanche of sweaters in the closet.” Alternatively, a vintage trunk from a thrift store or estate sale can add a chic touch to your bedroom at a great price while offering a similar storage option for winter blankets.

Add a New Rug

There’s nothing that feels quite as nice underfoot as a new rug. Praught suggests a plush rug, but keep in mind that any style will do. Not sure where to start? Choose something that will complement your linens. (Don’t forget to add an extra-soft rug pad.)

Change Up Your Candles

A scent can instantly set the mood, especially in the fall and winter. While many people gravitate toward gourmand fragrances like pumpkin spice or ginger, bedroom candles don’t need to be quite so on the nose—literally. “Trade scents of floral and lavender with notes of earthy varieties of pine or notes of scents like cinnamon and vanilla,” Grant suggests.

Read more at Real Simple

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Why Your Home Equity Still Puts You Way Ahead

 
 

If you’ve seen headlines about home prices dropping, it’s easy to wonder what that means for the value of your home too. Here’s what you really need to know.

Even with small price declines in some markets, data shows you’re likely still way ahead. And that’s thanks to your home equity.

The Relationship Between Home Prices and Equity

Home equity moves in sync with home prices. When prices rise, equity builds. When prices cool (even just slightly), equity growth does too. Here’s how that’s played out lately.

After the record-setting home price surge of 2020 and 2021, a little cooling was inevitable.

Back then, the number of homes for sale hit a record low. That caused home values (and your equity) to shoot up significantly as buyers fought over limited inventory.

But prices couldn’t continue to rise at that intense pace forever. The market had to moderate at some point, and that’s exactly what we’re seeing right now.

As more homes have come on the market this year, price growth slowed – so, equity gains did too. And that doesn’t mean you’ve lost ground.

Putting it into Perspective

You probably still have far more equity than you did just a few years ago. And that puts you in a strong position if you want to sell. Here’s the data to prove it.

According to research from Zillow, home prices have risen a staggering 45% nationwide since March of 2020. That’s a big jump.

And in the majority of markets, prices are still rising, just at a much slower pace. But even in the metros where prices are experiencing the biggest declines (the ones making the headlines), the average drop is only about -4%.

So, what’s that really mean? In most places, prices are on the rise, so this isn’t even a concern. But in the few metros where prices are cooling off a bit, the 5-year gains more than offset those small dips.

In other words, these modest declines can’t erase years of growth. Homeowners who’ve been in their houses for several years are still way ahead. Big time. And that’s true pretty much everywhere.

Data from the Federal Housing Finance Agency (FHFA) helps paint this picture. Let’s cast a slightly wider net and look at a state-by-state level this time. Every single state has seen prices go up over the last 5 years. And that means homeowners in each state have much more equity than they did just 5 years ago.

Odds are, in most places, if you’ve owned your home for more than a few years, you’ve already built the kind of equity many people could only dream about before the pandemic. And if you sell, you can use it to help you downsize, or move up.

And just in case you’re worried prices will crash and your equity will take a bigger hit in the near future, here’s what Jake Krimmel, Senior Economist at Realtor.com, has to say:

“The slight recent declines in aggregate value and total home equity are not cause for concern . . . Although the market is coming into better balance, large price declines nationally are extremely unlikely in the near term . . .”

The price moderation we’ve seen lately isn’t a cause for concern. It’s a signal of a market that’s finding its balance again after several years of unsustainable price growth. And after several years of major price appreciation, most homeowners are still in an incredibly strong position.

Bottom Line

Even with prices coming down in some markets, today’s homeowners are still sitting on near record amounts of equity.

If you’re wondering how much equity you have (or how far ahead you really are), connect with a local agent.

You might be surprised by what your home is actually worth today.

Read more at Keeping Current Matters

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Will 6% mortgage rates create more opportunities for homebuyers?

 
 

Mortgage rates have been trending toward the low-6% range for several months, giving homebuyers some relief amid affordability challenges — but maybe less relief than they expected after the Federal Reserve cut interest rates last week.

Mortgage News Daily reported Monday that the 30-year fixed rate of 6.34% was the highest level in three weeks. That came on the heels of last week’s rate cut and comments by Fed Chair Jerome Powell that another rate cut in December was “not a foregone conclusion.”

On Tuesday, data at HousingWire’s Mortgage Rates Center, which tracks locked loan rates across all credit profiles, showed that rates for 30-year conforming loans averaged 6.27%, down 2 basis points from one week ago.

Rates for 30-year loans through the Federal Housing Administration (FHA) fell 3 bps during the week to an average of 6.10% on Tuesday, while 30-year jumbo loans rates were down 2 bps to 6.16%. Both figures represented year-to-date lows.

Phil Crescenzo Jr., Southeast division vice president for Nation One Mortgage Corp., said that stable rates near 6% are poised to unlock greater affordability for millions of U.S. households.

He pointed to data published over the summer by the National Association of Realtors (NAR), which showed that a 6% rate would make the median-priced home affordable to an additional 5.5 million households. NAR estimated that 10% of these households would buy a home in the next 18 months if rates reached 6%.

“I have seen some activity with the recent rate reductions, but not a rapid pace,” Crescenzo told HousingWire via email. “I believe if someone has a 3% mortgage rate, a rate that at least starts with a 5 does not seem as drastic. This actually does move people more than the actual savings of another .125% in a long-term fixed rate. I see this in consumer behaviors often.”

Could LLPA changes make a difference?

In the quest to improve affordability for prospective homebuyers, Federal Housing Finance Agency (FHFA) Director Bill Pulte recently announced that the regulator would enlist the help of mortgage prognosticator Barry Habib — a new addition to Fannie Mae’s board of directors — to review the loan-level price adjustments (LLPAs) that accompany conforming loans.

The announcement drew praise from mortgage industry trade groups and United Wholesale Mortgage CEO Mat Ishbia, who offered comments this week in a video posted to YouTube.

“I’m really excited about this,” Ishbia said. “Whether it happens in one month or in one year, the fact that they’re looking at it and finding ways to maybe say, ‘Hey, there’s some excessive LLPAs that are impacting homeownership, maybe we can make some changes?’ Whether it’s on a certain product, certain LTV, certain FICO bucket, who knows? But the fact that they’re looking at it is a positive sign for all of us. We’ve been wanting change.”

The risk-based LLPAs can add thousands of dollars in costs to a loan, depending on the borrower’s credit profile. UWM has previously moved to temporarily lower these fees on the government loans it originates, although the fees do not apply to the government lending market at large.

“There has been little momentum (if any) on this topic,” Crescenzo added. “The most aggressive price adjustments occurred back during the recovery efforts from the crash in 2008, nearing an almost 20-year anniversary of these significant adjustments.”

How will the housing market end the year?

Lisa Sturtevant, chief economist for Bright MLS, said in commentary last week that the Fed rate cuts of September and October “have not done as much to jumpstart the housing market as some had hoped.”

She pointed to NAR’s pending home sales index for September, which showed that the number of contract signings flatlined on a monthly and yearly basis. It’s an early indicator that the fall housing market may not heat up despite significantly lower mortgage rates than a year ago.

“As we approach the end of the year, listing activity tends to slow and would-be sellers decide to wait until after the new year to list,” Sturtevant said. “Ongoing uncertainty in the economy could also mean rising rates through the end of the year. For prospective buyers who are financially ready, right now could be a sweet spot for lower rates and more inventory.”

Samir Dedhia, CEO of One Real Mortgage, offered a more optimistic view. He pointed to lower yields for long-term bonds like 10-year Treasury notes as a sign that mortgage rates will remain near their current levels.

“For consumers, this is a compelling window,” Dedhia said. “Rates in the low 6% range are creating real opportunities. We’re seeing refinance activity rise significantly (more than half of all mortgage applications for several weeks now) and buyers are showing renewed confidence with rising purchase activity.”

Crescenzo offered advice for prospective buyers who want to utilize a down payment assistance (DPA) program, saying that these options “may solve a short-term problem (assets) but are causing overall payments to be higher.” The number of DPA programs available nationwide rose to a record high in the second quarter of 2025, according to Down Payment Resource.

“I believe there is a lot of information available, but the approval criteria may be harder to meet without the money put down,” Crescenzo said. “So, a loan could be approved, but the down payment criteria not approved in some cases. I would recommend reading all details and what could be required if a buyer want to sell the home after a short period of time as an example.”

Read more at Housingwire

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Greater Denver Area Real Estate Market Report from October 2025

 
 

The market today is not a version of what once was; it's a new ecosystem entirely, according to the Denver Metro Association of Realtors. Interest rates, inventory and buyer behavior have shifted, but instead of chasing the nostalgia of 2019 or the frenzy of 2021, it's time to ask, what does success look like right now?

The Denver Metro market has been steadily redefining its baseline. Prices have stabilized, sellers are adjusting expectations and buyers-though more cautious-are still highly motivated when the numbers make sense. In other words, the market hasn't collapsed or exploded. It's recalibrated. This is the "new normal," and it's one that rewards adaptabil-ity, realism and strategy over speculation.

The environment remains challenging for sellers. The end-of-month inventory in October increased by 14.21 percent year-over-year, despite a 4.60 percent decrease in new listings entering the market from October 2024, continuing the pattern of new listings outpacing buyer demand. Homes were on the market for a slightly shorter period month-over-month, with a median of 31 days for detached homes and 41 for attached homes. Both attached and detached homes sold within 98 percent of the list price. The number of homes sold through October was 36,053, just 152 fewer homes, 0.42 percent, than the same point in 2024. The total new inventory that has entered the market year-to-date has increased 7.87 percent year-over-year.

The year-over-year median sale price remained flat for detached homes and decreased by 2.95 percent for attached homes in October. The recalibration of home prices has been occurring, not with a steep decline, but with a gradual shift in balance. The Denver Metro Area experienced a 38.50 percent increase in median home prices from March 2020 to April 2022, representing an average annual growth rate of 19.25 percent. From March 2020 to October 2025, the median sale price increase was 33.71 percent, representing an average annual growth rate of 6.74 percent. The rebalance positions the median sale price within the historical trend range.

For buyers, this moderation in price growth creates a rare window of opportunity. With values settling into a sustainable range and less competition at the offer table, buyers can once again focus on finding homes that align with their long-term goals, rather than rushing to win a bidding war. The current environment allows for more negotiation pow-er, greater flexibility in inspections, and the ability to make decisions based on value, rather than a fear of missing out.

The Denver market has, in many ways, hit its "reset button." We're not witnessing volatility, we're seeing normalization.

For real estate professionals, this means grounding our strategies in data and confidence, rather than relying on headlines or memories of the past. Sellers must recognize that realism sells, while buyers who act decisively can secure homes under far more rational conditions than in recent years. October's numbers remind us: this isn't a waiting game-it's a moment to participate in a more balanced, sustainable market. We are experiencing the next chapter of Denver real estate.

Learn more about the market from the Denver Metro Association of Realtors.

Keep reading for a price breakdown from West + Main Agent and Market Trends Committee Member, Michelle Schwinghammer.


Thank you to our partners at the Denver Metro Association of Realtors for compiling this information.

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Featured at West + Main Littleton: David Townsend

 

Join us for First Friday in Littleton Ft David Townsend

2590 W Main St
11.7.2025, 6-9pm

RSVP Here

Meet David

David Townsend has been a full-time, professional photographer for 25 years. He started out photographing nature & landscapes on 35mm, medium format, and large format film cameras, worked in a portrait studio for 7 years, and started David Lynn Photography with his wife, Lynn Townsend.

David has photographed everything from landscapes to weddings, portraits, real estate, food, and more. His travels include states throughout the Mountain West USA, Canada, Mexico, Guatemala, Belize, Costa Rica, Chile, Argentina, Italy, Portugal, South Africa, Botswana, Zambia, Thailand, Laos, Vietnam, Cambodia. With a passion for travel & photography, he brings that appreciation of the outdoors to everything he can, highlighting the environment with the subjects he photographs.

David lives in Denver, Colorado with his wife and business partner, Lynn, and their two children. David & Lynn own and operate David Lynn Photography, based out of StudioWed at 8th & Santa Fe in Denver’s Arts District on Santa Fe.

 
 

Learn more about David in our Q+A!

How did your business come to exist? My wife and I are both photographers, and we met at a photo gallery in Denver, where we both had entered photos in a print competition. We met at the Artist Reception, began dating a year later, and three years after that we got married and started our business together.

What are you working on right now? This week included photographing a wedding in Idaho Springs, a branding photo session for a Boulder startup company, and curating artists for the upcoming First Friday Artwalk at our studio in the Santa Fe Arts District.

What are your thoughts about your city's creative scene for artists, designers, crafters, makers, and/or small businesses? Denver's art scene is amazing! We own a studio in the Santa Fe Arts District in Denver, and we are open each First Friday Artwalk where we host guests artists each month, often times new or emerging artists. The level of creativity we see each month is astounding and it's ever growing.

What do you like to do outside of work? For fitness, it's definitely mountain biking in summer and telemark skiing in winter. Creatively, its abstract painting with acrylics, listening to music, being the drummer in a band with friends, and of course taking photos any travels we happen to be doing.

 
 

What is the best piece of advice you ever received? Early on when fist starting a solo photography business, there was often the temptation to offer discounts to friends and close acquaintances to build up your portfolio or try to win clients, but it was often hard to know how to approach that as each situation is unique. Best advice for that I received was plain and simple: “Just call them all your friends and charge them the same full price”

Where do you find inspiration? Definitely light. It’s what photography is all about, so when the light is good it always makes me want to grab whatever camera I have on hand and create photos.

What is your dream project? Travel to all of the countries and regions on my “favorites” list photographing landscapes on commissioned assignments, and do some volunteer or service for local communities while I’m traveling through, particularly if it can involve photography or videography.

What was the best day at work you've had in the past three months? Some of my favorite days are the most productive ones that involve lots of creativity. One of my recent Fridays consisted of a morning Real Estate shoot for a West + Main luxury home, then a consult with a client to plan for an upcoming product content shoot, then off to our studio in Denver’s Santa Fe Arts District for the First Friday Artwalk, where we show our Fine Art Photography and also host other amazing artists for the night’s event. It’s always a great night of community and conversation involving creativity and travel.

Get in touch with David


Instagram: @davidlynnfineart

Website: davidlynnphoto.com

If you are a local artist/crafter/maker/indie business owner and would like to be featured on our blog, please fill out this form or contact Joy at joym@westandmainhomes.com with questions...we can't wait to learn all about you!