In Colorado, we offer one package: Flat Full Service. $95 to list, plus a flat $3,495 at settlement — and only if your home sells.
Here's what you get:
Full service, flat fee, thousands saved.
A dedicated local agent represents you from listing to the closing table, while your Loveland home is featured on the IRES MLS, Zillow, Realtor.com, and Redfin. Save roughly $9,160 versus a traditional 2.5% commission on the median Loveland home — with zero percentage-based fees.
Overview
Colorado is different from most states: its legally mandated minimum service requirements mean a listing broker can't simply place your Loveland home on the MLS and step away — they must provide core representation services like presenting offers and assisting with negotiations and contracts. That's why HomeRise offers Loveland sellers one simple package: Flat Full Service — $95 to list, plus a flat $3,495 settlement fee, if and only if your home sells.
Your listing reaches every buyer agent across Northern Colorado through the IRES MLS, plus Zillow, Realtor.com, Redfin, and 100+ buyer websites. Loveland's art community and gateway-to-the-Rockies location attract a steady stream of buyers.
On a median Loveland home priced at $510,000, a traditional 2.5% listing commission costs $12,750. With Flat Full Service, your total is $3,590 — a savings of roughly $9,160 — and you get complete full-service representation: a dedicated local agent from listing to the closing table, active negotiation and offer strategy, and management of all state-required Colorado disclosures and closing documents.
Your Savings
The median home price in Loveland is $510,000. Here is what you save by listing with HomeRise Flat Full Service instead of paying a traditional 2.5% listing agent commission.
Loveland Pricing
Colorado's legally mandated minimum service requirements mean listing brokers must provide full representation services — so limited-service flat fee plans aren't offered here. Instead, Loveland sellers get Flat Full Service: complete full-service representation for a simple, predictable flat fee.
$95 to list — just like our Essentials plan in other states — plus a flat $3,495 settlement fee, if and only if your home sells. Full service, thousands in savings, zero percentage-based fees.
What Sellers Say
Rated 4.6/5 by hundreds of homeowners who saved thousands listing with HomeRise.
The Process
Most Loveland sellers go from sign-up to live MLS listing within 24-72 hours.
MLS Coverage
Loveland homes are listed on the IRES MLS. HomeRise places your listing on this MLS based on your home's ZIP code and county.
HomeRise covers these ZIP codes in and around Loveland. If your ZIP isn't listed, contact us — we likely still cover your area.
80537, 80538, 80534, 80535, 80536, 80513, 80532, 80545
Loveland Service Area
HomeRise covers Loveland and surrounding communities. Whether you're in Downtown Loveland, Centerra, Boise, Namaqua Hills, The Lakes at Centerra, we can list your home on the IRES MLS.
Don't see your neighborhood? HomeRise covers all 8 ZIP codes in the Loveland metro area served by the IRES MLS. Contact us to verify coverage for your specific address.
Why HomeRise
HomeRise is the only flat fee service with a package purpose-built for Colorado's legally mandated minimum service requirements. Flat Full Service costs $95 to list plus a flat $3,495 settlement fee charged if and only if your home sells — and unlike services that charge percentage-based "transaction fees" or "success fees" at closing, the price is identical no matter what your home sells for. On a median $510,000 Loveland home, the total of $3,590 saves you roughly $9,160 versus a traditional 2.5% listing commission.
Unlike bare-bones flat fee listings, Flat Full Service includes a dedicated local agent from listing to the closing table, active negotiation and offer strategy from a licensed broker, and full management of Colorado's state-required disclosures and closing documents. Your Loveland home is listed on the IRES MLS — the same MLS every traditional agent uses — and featured on Zillow, Realtor.com, and Redfin to maximize buyer views.
Compare Options
See how HomeRise Flat Full Service stacks up against traditional agents, other flat fee services, and FSBO in Loveland.
| Feature | HomeRise Flat Full ($95) | Traditional Agent (2.5%) | Other Flat Fee MLS | FSBO (No MLS) |
|---|---|---|---|---|
| Cost on $510,000 home | $3,590 ($95 to list + $3,495 flat settlement fee, only if you sell) | $12,750 | $2,800 – $7,600 ($250–$2,500 + 0.5%–1% settlement fee) | $0 |
| Listed on the IRES MLS | Yes | Yes | Yes | No |
| Featured on Zillow, Realtor.com, Redfin | Yes | Yes | Yes | Manual only |
| Dedicated local agent | Yes | Yes | No | No |
| Licensed broker negotiates for you | Yes | Yes | No — you negotiate | No — you negotiate |
| Colorado disclosures & closing docs managed | Yes | Yes | No — self-managed | No — self-managed |
| Meets CO minimum service requirements | Yes | Yes | Varies | N/A — no listing broker |
| Percentage-based fees at closing | Never | 2.5% of sale price | Often 0.5%–1% | None |
| Pay settlement fee only if you sell | Yes | N/A — commission due at closing | Varies | N/A |
Loveland Market Insights
Loveland offers a balance between Fort Collins pricing and more affordable options, with a median around $510,000 in 2026. The Centerra development has brought retail and dining that attract younger buyers, while Berthoud's rapid growth has expanded the area's appeal. Homes spend 30–50 days on market. Loveland's art scene, proximity to Rocky Mountain National Park, and I-25 access keep demand steady.
Following the 2024 NAR settlement, buyer agent commissions in Loveland are no longer pre-determined or displayed on the MLS. As a seller, you now have full discretion over whether to offer a buyer agent commission and how much. Many Loveland sellers are offering 2–2.5%, but this is negotiable. Your HomeRise agent can help you determine the right strategy based on Loveland's current market conditions and how quickly you need to sell.
Colorado requires sellers to complete a Seller's Property Disclosure form (C.R.S. § 38-35.7-102), covering known defects, environmental hazards, water damage, structural issues, and utility systems. Colorado is a title-company closing state, meaning an attorney is not required at closing. With Flat Full Service, your HomeRise agent manages all state-required Colorado disclosures, complex paperwork, and closing documents — before your listing goes live and all the way through settlement.
Common Questions
Full service from a dedicated local agent, for a simple flat fee — pay the $3,495 settlement fee only if and when you sell. Save roughly $9,160 on the median Loveland home.
