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

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

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

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