20% Down Not Always Best
20 Percent...the magic number for mortgages, right? Well, I am here to tell you that 20% down payment is not always best. Sometimes putting down less money can be better…
Trended Credit Data
We are about to experience one of the largest shifts in mortgage qualifying that we have had in quite some time. If you have not heard about Trended Credit Data…
3 Lessons from My Transformational Moment
Everyone, despite their age, has experienced a transformational moment. Whether it was a seemingly simple decision you made or an experience you had. Each of these moments is significant to…
Manufactured Homes & Mortgage Requirements
Denver is becoming expensive. For some a bit too expensive which is why they are turning to outlying areas for more affordable homes. Some of the homes located in these…
Comparing Mortgage Lenders
$402,302 $341,956 $8,836.68 Ummm, ok, what are those numbers? Those are numbers I think you will be quite interested in... $402,302 is the average sales price in Denver right now.…
Pain and Pleasure of Buying a Home
Humans are interesting and complex. At times people can seem very unpredictable yet we are all motivated by human nature. And human nature is predictable - motivated primarily by pain…
Beyond Your Loan Limits
The Denver market continues to remain hot which is driving prices ever higher. I don't know about you but I have seen some buyers get priced out of the market.…
How Mortgage Companies Look at Credit Scores
You have a CreditKarma or FreeCreditReport.com account and you keep a close eye on your credit score. You receive alerts notifying you of any activity or score changes. You are…
Credit Disputes Impact Mortgage Qualifying
Did you know you could dispute items on your credit report? Did you know that disputing items has become a popular method to clean up your credit and improve your…
Headed for Another Housing Crash?
Want my opinion on whether we are headed for another housing crash? Well, either way you are about to get it. Today's post is just that, my opinion. It is…