FIRST HOME
First-Time Home Buyers
Understand buying power, down payment, closing costs, assistance programs and the purchase process before you shop.
- Down payment assistance
- FHA / conventional options
- Seller concessions
303.809.5626
Compare Colorado mortgage options for buying, refinancing, investing or planning your next move with an experienced mortgage professional who also understands the real estate transaction.
Whether this is your first home or your next home, the financing should be coordinated with the property search, offer strategy and cash-to-close plan.
Understand buying power, down payment, closing costs, assistance programs and the purchase process before you shop.
Coordinate VA eligibility, financing, appraisal considerations and real estate strategy in one purchase plan.
Compare FHA qualification, low-down-payment options, mortgage insurance, seller concessions and property considerations.
Plan larger mortgage needs around income, assets, reserves, property characteristics and the applicable conforming loan limit.
Some borrowers need more analysis than a standard online prequalification can provide.
Review tax-return income, business structure, cash flow, 1099 income and appropriate documentation options.
Review the complete borrower profile when credit history, reserves, retirement income or other factors require more planning.
Start with the goal and evaluate the loan structure in the context of cash flow, equity, property and longer-term plans.
A refinance should solve a specific problem or improve a financial position—not simply chase an advertised rate.
Compare the current loan with the proposed structure, including closing costs, break-even period, monthly benefit and how long you expect to keep the property or loan.
REVIEW REFINANCE OPTIONS COMPARE HOME EQUITY OPTIONSInvestment decisions work best when acquisition, financing, cash flow, reserves and exit strategy are evaluated together.
Evaluate rental income, financing, reserves, cash flow, conventional and investor loan options, refinancing and portfolio strategy.
INVESTMENT PROPERTY FINANCING GUIDE →Coordinate the relinquished property, replacement-property search and financing before the exchange deadlines begin.
1031 EXCHANGE GUIDE →Compare leverage, payment, reserves, property type and the role the property plays in your broader real estate strategy.
DISCUSS INVESTMENT OPTIONS →Major life events often require real estate, mortgage, legal and financial decisions to be coordinated rather than handled separately.
Review the marital home, equity, sell-vs.-keep options, refinance qualification, mortgage liability and next-housing plan.
DIVORCE PLANNING GUIDE →Guidance for personal representatives and families evaluating, preparing or selling inherited and estate property.
PROBATE REAL ESTATE GUIDE →Evaluate the property, equity, future housing costs and financing considerations when a move is part of retirement or downsizing.
RETIREMENT & DOWNSIZING GUIDE →Attorneys handling marital-home, mortgage liability, refinance or equity-buyout issues can use Randy's dedicated professional resource page.
DIVORCE ATTORNEY RESOURCE →Attorneys and personal representatives handling inherited homes, estate sales, mortgages, heir buyouts or property disposition can use Randy's dedicated professional resource page.
PROBATE & ESTATE ATTORNEY RESOURCE →Randy provides real estate and mortgage guidance. Legal, tax, estate and exchange decisions should be coordinated with the appropriate attorney, CPA, qualified intermediary or other professional.
Mortgage strategy is only part of the transaction. Randy also works as a Colorado real estate agent, allowing clients to coordinate the property and financing sides of the decision.
Plan financing, search properties, evaluate the home and structure the offer with the full transaction in mind.
BUYER GUIDE →Review value, preparation, pricing, marketing, offer quality and how the sale affects your next move.
SELLER GUIDE →Explore available properties and connect the property search with your financing and purchase strategy.
SEARCH HOMES →Start with a conversation about the goal. From there, Randy can help you identify the appropriate real estate and mortgage path.
TALK WITH RANDY START A MORTGAGE REVIEW