It had stunning views from roof-height front windows and nearby hiking trails that our dog loved. We knew the risk of wildfires when we bought, but the scope of mitigation was larger than we thought.

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When I first set foot inside, I knew it was special. My partner and I had been living in a 1,150-square-foot home in Boulder, Colorado, enjoying a 2.75% interest rate, but we were feeling cramped. We ...