Credit Evaluation If you haven’t heard already, there’s a major update coming that’s great news for buyers, especially first-timers. Going forward, buyers may be able to qualify for a home loan even without a traditional credit score. Lenders will start looking beyond one number and instead consider rent history, income stability, savings, and overall financial habits. Call […]
Credit Evaluation If you haven’t heard already, there’s a major update coming that’s great news for your buyers, especially first-timers. Going forward, buyers may be able to qualify for a home loan even without a traditional credit score. Lenders will start looking beyond one number and instead consider rent history, income stability, savings, and overall financial habits. […]
FHA 203(k) – Ideal for buyers with limited cash or lower down payments. Perfect for primary residences that need smaller updates or full-scale renovations. Conventional Renovation (HomeStyle or CHOICERenovation) – Great for buyers with stronger credit or those looking for more flexibility, including investment or second homes. Call me today to find your dream home.
Enjoy the holidays with your wonderful family and friends. Call me to find your dream home.
In October 2025, the Denver Metro housing market saw a 1% increase in median closed price, while closed listings dipped by 2% and new listings experienced a more notable 10% decline compared to September. Call me today to find your buyer’s dream.
The northern lights are visible in Colorado this week. Take a peek between 9 and 11 pm. Call me to find your dream home.
Enjoy the holiday season but don’t eat all the kiddos candies. Call me today to find your spooky home.
Here’s what lenders actually look at: Credit score (yes, but not everything) Debt-to-income ratio Payment history Available reserves Paying off debt might drop your reserves or lower your credit due to changes in utilization. That’s why I always tell clients: check in before making big money moves. Call me today to find your dream home.
While we’ll use tax returns in most cases, if the adjusted gross income is sufficient. Sometimes we need to utilize alternative documentation if the adjusted gross income is too low due to write offs. For example: Bank statements Profit & Loss (P&L) statement 1099s It’s a little different, but absolutely doable. I work with entrepreneurs […]
Evergreen Lake is 7,072 feet above sea level. Call me today to find your dream home.
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