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

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

Pay Off Your Mortgage Early or Invest? How to Make the Right Financial Move

Pay Off Your Mortgage Early or Invest? How to Make the Right Financial Move

When you come into extra cash—whether it’s a bonus, tax refund, or unexpected windfall—you’re faced with a critical financial decision: should you pay down your mortgage or invest for future growth? The answer depends on your goals

May 26, 2026 | Refinancing a Home

8 Smart Questions to Ask Before Refinancing Your Mortgage

8 Smart Questions to Ask Before Refinancing Your 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

FHA Refinancing Options: A Practical Guide for Homeowners

FHA Refinancing Options: A Practical Guide for Homeowners

Refinancing a mortgage can be a smart financial strategy when it aligns with your long-term goals. For homeowners who may not meet the strict requirements of conventional refinancing or who want more flexible qualification standards, Federal Housing Admin

Feb 17, 2026 | Refinancing a Home

Refinancing an Adjustable-Rate Mortgage into a Fixed-Rate Loan

Refinancing an Adjustable-Rate Mortgage into a Fixed-Rate Loan

Yes, you can refinance an adjustable-rate mortgage (ARM) into a fixed-rate loan—and for many homeowners, it’s one of the smartest financial moves they’ll ever make. While refinancing may sound like a simple swap of interest rates, the re

Jan 20, 2026 | Refinancing a Home

Is Your Mortgage Payment Too High? Here’s How to Lower It

Is Your Mortgage Payment Too High? Here’s How to Lower It

A high mortgage payment can quietly strain your budget month after month. The good news is that your payment is not fixed forever. With the right strategies, many homeowners can reduce their monthly obligation and free up cash for other priorities. Refina

Jan 06, 2026 | Refinancing a Home

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