Ryan Champion, CMA, CREV
Certified Mortgage Advisor
NMLS: 2294595
Saving for a home can feel overwhelming, especially when you keep hearing that you need 20% down to buy. The good news is that for many buyers, that simply is not the case. Down payment requirements vary by loan type, financial profile, and homeownership
You open your credit report expecting stability—or maybe even a boost—only to find a mysterious drop. You’ve paid your bills on time, kept balances low, and avoided new loans. What gives? Here’s the truth: credit scores don’t
Mortgage preapproval can help you shop with more confidence, move quickly when you find the right home, and better understand your price range. But one common question comes up early in the process: how long does mortgage preapproval last? In most cases,
By Ryan Champion, CMA, CREV, Certified Mortgage Advisor in Durango, Colorado Every fall, buyers in Southwest Colorado start asking the same question: how big can a conventional loan get next year before it becomes a jumbo loan? The answer matters more her
Getting a mortgage can feel like a big undertaking, especially if you're buying a home for the first time. The good news is that the process becomes much more manageable when you break it into clear, practical steps. With the right preparation, you can mo
A reverse mortgage can give retirees in Durango, Farmington, and the communities around them more breathing room. Sooner or later, though, most families ask the same question: how does this loan actually get paid back? The short answer is that repayment h