Blog – Brandon Ladd — Mortgage Loan Officer

Seller Concessions vs. Price Cuts: Which One Actually Saves You More?

When you’re negotiating on a home, there are usually two ways to improve the deal: Most buyers assume a price […]

Buying a home can feel overwhelming, especially if you’ve never done it before. The good news is that the process

One of the biggest reasons people delay buying a home is this belief: “I need 20% down before I can

If your mortgage payment includes PMI or MIP, you’re probably paying hundreds of dollars a month for insurance that protects

Saving for a down payment is one of the biggest obstacles to buying a home — especially in Colorado’s competitive

One of the most common questions buyers ask is, “How long does pre-approval take?”The short answer: often faster than you

You’ve probably heard the headlines lately: “Rates are falling.”That naturally leads to the next question most buyers ask: “Should I

With today’s rates, many buyers are looking for ways to make their monthly payment more manageable — especially in the

If you’re shopping for a home or getting pre-approved, you’ve probably heard the term PITI thrown around. It’s one of

If you’re thinking about buying a home, refinancing, or just want better financial options, your credit score matters. The good