Mortgage guides
In-depth, plain-language guides on every aspect of the home loan process — written by Colorado Springs mortgage professionals with 20 years of experience.
7 guides available
First-Time Homebuyer Guide
Everything first-time buyers need to know — from checking your credit and setting a budget to making an offer and closing day. A complete step-by-step walkthrough.
Colorado Homebuyer Guide
What makes buying in Colorado different — property taxes, HOA culture, CHFA assistance programs, the military community, and navigating the Front Range market.
VA Home Loan Guide
The complete VA loan guide — eligibility, entitlement, the funding fee, Certificate of Eligibility, property requirements, and how to close with little to no cash out of pocket.
FHA vs. Conventional Loans
A side-by-side comparison of FHA and conventional loans — credit score thresholds, down payment requirements, mortgage insurance, loan limits, and which wins for your situation.
How Much Do I Need for a Down Payment?
The real answer — down payment minimums by loan type, closing costs, prepaid items, cash reserves, and Colorado assistance programs. With a real dollar example.
FHA vs. VA Loans
A side-by-side comparison of FHA and VA loans — eligibility, down payment, mortgage insurance, loan limits, and why VA almost always wins for eligible veterans.
Mortgage Broker vs. Mortgage Banker
What's the real difference — and who gets you a better rate? An honest breakdown of how each model works, where the money flows, and why independent brokers consistently win for Colorado homebuyers.
Ready to put your knowledge to work?
Jerry and Lisa are here to answer your questions and walk you through every step of the process.
NMLS# 272661 · NMLS# 2777159