Ryan Champion, CMA, CREV

Certified Mortgage Advisor

Certified Reverse Mortgage Specialist

NMLS: 2294595

970-403-5677

rchampion@barrettfinancial.com

Ryan Champion Certified Mortgage Advisor

Blog

Refinancing a Home with a Second Mortgage

Refinancing a Home with a Second Mortgage

Ever wondered if you can refinance your home while carrying a second mortgage? You're not alone. Many homeowners find themselves in this exact situation, juggling multiple loans and wondering about their options. The short answer? Yes, it's absolutely pos

Sep 04, 2026 | Refinancing a Home

Is it Worth Refinancing For a .25% Lower Rate?

Is it Worth Refinancing For a .25% Lower Rate?

A 0.25% drop in mortgage rates can look tempting at first glance. But whether refinancing is worth it comes down to more than the headline rate. The real question is how much you would save, how long it would take to recover your closing costs, and whethe

Aug 31, 2026 | Refinancing a Home

Debt Consolidation Loans and Your Credit Score

Debt Consolidation Loans and Your Credit Score

Managing several debt payments at once can feel overwhelming. For some homeowners, refinancing to consolidate debt offers a way to simplify monthly bills and potentially reduce interest costs. But before moving forward, it is important to understand how t

Aug 26, 2026 | Refinancing a Home

Still Paying PMI? You May Be Able to Remove It Sooner Than You Think

Still Paying PMI? You May Be Able to Remove It Sooner Than You Think

If you put down less than 20% when you bought your home, there's a good chance you're paying private mortgage insurance, or PMI, every month. And if you're like most homeowners, you might not know exactly when that cost is supposed to go away. Here's the

Jul 20, 2026 | Refinancing a Home

Unlocking Your Home's Hidden Treasure: HELOC or Home Equity Loan?

Unlocking Your Home's Hidden Treasure: HELOC or Home Equity Loan?

Your home may be one of your biggest financial assets, and over time, it can build value you may be able to access when you need it. If you're exploring ways to pay for home improvements, consolidate higher-interest debt, or cover major expenses, two comm

Jul 13, 2026 | Refinancing a Home

Home Loans in Durango, CO

Home Loans in Durango, CO

Home Loans in Durango, CO: Finding the Right Mortgage for a Unique Market Buying a home in Durango is not like buying a home in Denver, Phoenix, or anywhere else. The market here is smaller, more competitive, and shaped by a mix of full-time residents, se

May 29, 2026 | Purchasing a Home Refinancing a Home Durango

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