Western Colorado Mortgage and Homebuyers' Resource

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Mortgage and Lending - Major Mortgage (NMLS# 129122) - CO-LMB#100047306
Mortgage and home buying info to help you realize your dream of home ownership in the San Juan Mountain Region of the Colorado Western Slope.
RECENT BLOG POSTS
There's no question that a foreclosure or bankruptcy can advesrely affect your ability to buy a home, or completely eliminate the possibility.  However, it is often more a question of when than if  you can ever buy a home again.  Different loan types or programs have different waiting periods.Gen...
03/16/2016
I think I own almost every Bonnie Raitt album she has ever produced.  I bought my first one back in 1974 when I was a student at UC Santa Barbara, the old black licorice LP type.  I am now patiently waiting for her latest release, which I pre-ordered on iTunes and will play on my iPod or stream t...
02/21/2016
There are many myths and misconceptions about credit, which, unfortunately, too many of my prospective borrowers looking to by a home in the Montrose, Colorado area learn about the hard way--at the time they apply for a loan.  Below are 5 of the most common myths I see.Myth No. 1.  Having no debt...
02/19/2016
A common problem I run into when prequalifying a prospective homebuyer for a home loan is the one who just bought a car, or rather, financed its purchase, right before our initial meeting. While the mortgage industry seems to be tightening up, with ever more restrictive regulations and guidelines...
02/16/2016
One of the most misunderstood aspects of buying a home is whether the the real estate agent REALLY represents you, the home buyer? Yes, you do have the right to ask an agent to solely represent you. In fact, some real estate brokers may require that they be your exclusive agent. Here are some FAQ...
11/07/2014
At what stage does a borrower for a home loan receive an unconditional final loan approval.  All loans, even after final approval are subject to certain conditions being satisfied before the loan is cleared to close and fund, which normally does not happen until the time of closing.  The bigger c...
11/05/2014
Have you ever received an interest rate quote or seen a published rate on the Internet only to find out later that you’re not offered the same rate when you go through the loan application process? That’s because there are many variables in determining rates for individual buyers and the rate you...
11/03/2014
I recently read an article, written by another real estate agent, about why some real estate agents have a stellar reputation and why some cannot be trusted. And, this applies to how other real estate agents and the general public perceives them. I wanted to share with several of the possible rea...
11/01/2014
What a borrower actually earns and what will be used to qualify him or her for a particular loan are not necessarily the same. This is because in addition to calculating how much, the borrower's income must be deemed to be predictable and stable. The W-2 Wage Earner. The easy case is the W-2 wage...
11/01/2014
The start of the New Year is a new beginning for me in many ways, but particularly, since I recently launched a new career, from real estate broker to mortgage loan originator.  I thought I would share a few of the insights I’ve gained during the first two months in the mortgage business.1.  They...
01/04/2014
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Ninah Hunter

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