Home Purchase
12-Month vs 24-Month Bank Statement Loans: Which Helps You Qualify
If you are a self-employed professional, freelancer, or business owner in Colorado, you know your income is not a neat, stable number on a W-2. It rises, it falls, and it often has seasonal swings. That’s why the Bank Statement Loan is the perfect solution, it looks at your actual cash flow, not your tax…
Read MoreBusiness vs. Personal Bank Statements: Which Account Should Self-Employed Borrowers Use in Colorado?
If you are self-employed and considering a Bank Statement Business vs Personal approach in Colorado, choosing the right account type can directly impact how much income you qualify with. This decision is often overlooked early on, but it plays a major role in how lenders analyze risk and cash flow for bank statement loans. Bank…
Read MoreFamily Opportunity Mortgage: Title, Taxes, and Legal Liability Explained
Introduction: Ownership Is More Than Just the Mortgage The Family Opportunity Mortgage (FOM) is a powerful tool because it treats a home you buy for a parent or disabled adult child as your primary residence, even if you don’t live there. But once the loan is secured, the financial and legal decisions are just beginning.…
Read MoreWhat Questions Should You Ask Before Hiring a Real Estate Agent?
Buying a home is one of the most significant financial decisions most people will ever make. One of the most important steps in that process is choosing the right real estate agent to represent you. Asking thoughtful questions before hiring an agent can help you avoid confusion, reduce stress, and feel more confident throughout the…
Read MoreCan I Get a VA Loan in Colorado with No Money Down?
If you’re a veteran or active-duty service member in Colorado, you’ve probably heard that VA loans are one of the most powerful home financing options available, and that includes the potential for no down payment. Yes, VA Loans in Colorado Can Offer 100% Financing One of the standout features of a VA loan is that…
Read MoreWhat’s the Difference Between FHA, VA, and Conventional Loans in Colorado?
If you’re buying a home in Colorado, especially as a first-time buyer, you’ve probably come across the terms FHA, VA, and Conventional loans. These are the most common mortgage options, and understanding the differences can help you decide which one fits your situation best. Here’s a simple breakdown of each loan type and when it…
Read MoreCan I Buy a Home in Colorado with Student Loan Debt?
One of the most common questions I hear from buyers in Colorado is:Can I qualify for a mortgage if I have student loans? The answer is yes, you can. Having student loan debt doesn’t automatically keep you from buying a home. The key is how it affects your monthly debt payments and how we structure…
Read MorePre-Approval vs. Pre-Qualification: What Colorado Homebuyers Need to Know
If you’re buying a home in Colorado, you’ve probably heard the terms pre-approval and pre-qualification. A lot of people use them interchangeably, but they actually mean two different things. And knowing the difference can be a game-changer, especially in a competitive market like Centennial, Parker, or Castle Rock. A pre-qualification is a quick estimate based…
Read MoreHow Do I Get Pre-Approved for a Mortgage in Colorado?
Getting pre-approved is one of the smartest first steps you can take when you’re planning to buy a home in Colorado. Whether you’re looking in Centennial, Parker, Castle Rock, Lone Tree, Aurora, or Denver, pre-approval can give you the edge in a competitive market. What is Mortgage Pre-Approval? Pre-approval is a process where a lender…
Read MoreAverage Closing Costs for Buyers in Colorado
If you’re getting ready to buy a home in Colorado, one of the biggest surprises can be the closing costs. These are the out-of-pocket expenses due at closing — and they’re separate from your down payment. So what do most buyers actually pay in closing costs here in Colorado? Let’s break it down. What Are…
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