Ryan Champion, CMA, CREV
Certified Mortgage Advisor
NMLS: 2294595
FHA loans can open the door to homeownership and rental income—but the terminology trips up a lot of buyers. The biggest misconception? Not all “multifamily” properties are treated the same. Understanding FHA Multifamily Loans In FHA ter
May 21, 2026 | Purchasing a Home
Adjustable-rate mortgages don’t have to feel unpredictable. At their core, they’re simply loans with two phases: a fixed-rate period followed by periodic adjustments based on market conditions. Understanding how those pieces fit together can
May 19, 2026 | Purchasing a Home
If you're buying a home in Durango, Bayfield, Farmington, or anywhere in Southwest Colorado with an FHA loan, the property itself has to clear an extra hurdle before your loan can be approved. FHA loans require homes to meet specific minimum standards for
May 14, 2026 | Purchasing a Home
If you own a home in Durango, Bayfield, Pagosa Springs, or anywhere across Southwest Colorado, there's a good chance your home has built significant equity over the years. For homeowners 62 and older, that equity can be a powerful retirement resource. A r
May 14, 2026 | Reverse Mortgage
Refinancing your mortgage can be a powerful financial move, but only if you understand the full picture before signing on the dotted line. With interest rates and loan options constantly changing, asking the right questions is essential to making a smart
May 12, 2026 | Refinancing a Home
One of the most common misconceptions about buying a home is that you need a 20% down payment to qualify for a mortgage. While putting 20% down can offer certain advantages, it is no longer the standard requirement for most homebuyers. Today’s mortg
May 07, 2026 | Purchasing a Home