Mortgage lenders are loosening requirements for home buyers

Pushback against overly tight credit after the housing crisis, a shrunken proportion of first-time buyers and worry about affordability as home values rose led to some tweaks to mortgage guidelines that could ease financing pressures for home buyers this year. - American Financing's Senior Mortgage Consultant, Carolyn Sullivan, helps explain.

February 22, 2018

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7 questions to ask before buying a home

You’re ready to own the house of your dreams. But before you make an offer, it pays to ask some key questions. If you’re armed with the right information, it can help you feel more confident that you’re making the right move on the right house.

Read more on | November 22, 2017

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Consumers say this is the ideal down payment

More than half of Americans say they would prefer to put 10 percent down on a home purchase rather than 15 percent, 20 percent, or 30 percent, according to mortgage banker American Financing’s 2017 Mortgages in America Survey. Though, nearly a quarter—primarily millennials—say they lack understanding about interest rates and private mortgage insurance. Read more on

September 29, 2017

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Sustaining business growth through employee development

No matter what your approach to business, the best way to sustain growth is through a strong foundation, strategic leadership and experienced employees. I believe in this model because I’ve followed it. Let’s consider a mortgage industry example. Read more in National Mortgage Professional Magazine.

September 20, 2017

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3 ways to profit from the Colorado real estate boom

Hot markets offer sizzling opportunities to those willing to act. A May 2017 statewide report from the Colorado Association of Realtors tracked a 5.1 percent year-over-year increase in sold listings through the first five months of 2017, and average selling prices rose 11.4 percent. How do you profit from this as a homeowner? Check out these three trends we’ve spotted in the hundreds of calls we get from buyers and sellers every day.

July 19, 2017

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5 activities that could screw up your mortgage application

There are common mistakes first-time home buyers make that can significantly hold up the entire buying process, and many stem from decisions one might never think of as related to getting a mortgage. Read on for five things to watch out for that can screw up your mortgage application without you even realizing it.

September 6, 2017

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4 smart strategies to pay off your mortgage fast

What if you could pay off your mortgage in less time—and whittle down that crazy interest you’re forking over each month? Apparently, it can be done—and you don't have to go broke in the process. Here are four expert-approved tips to get you started and on your way to putting money back in your wallet. Read more on

August 16, 2017

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6 ways to boost your chances of getting a mortgage

Whether it’s your first home purchase or you’ve owned previously, the mortgage industry is constantly evolving to reflect the current economy and better fit consumers who are looking to borrow. Be prepared with these six ways to boost your chances for mortgage approval. Read Tips to Secure a Mortgage.

March 31, 2017

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How the Fed’s rate hike will affect you

“A home is probably the biggest financial assets you have, if you own a home or are looking to buy, it’s going to be one of the biggest assets you will have, so go into it with eyes wide open,” shared Mortgage Analyst Tim Beyers in an interview with NBC 9News. Watch the segment, and learn more about how the Fed’s rate hike will affect you.

March 6, 2017

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Federal Reserve expected to increase interest rates by 0.25 percent

Mortgage Analyst Tim Beyers sat down with Fox31 Denver to explain what the Federal Reserve interest rate hike means and what you can expect as a homeowner looking to refinance, or as someone ready to purchase a home.

March 6, 2017

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Know your FICO score to avoid home loan approval surprises

While many lenders use FICO® scores to help them make lending decisions, each lender has its own strategy. Read on for tips that will help you understand the importance of, and function of, your FICO® credit score.

July 21, 2017

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What seniors should know about reverse mortgages

Forget downsizing or migrating to warmer weather, an overwhelming number (83 percent) of pre retirees and retirees today say they want to remain in their homes for as long as possible. And, for seniors on a fixed income, a reverse mortgage can be a new source of retirement income and allow you to remain in your home for as long as you live. Read our full interview here.

July 9, 2017

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Mortgages made specifically for seniors

Lesser-known reverse mortgage purchase plans allow older borrowers to buy a home without having to come up with a down payment (which can be useful for those wanting a vacation home in addition to their primary residence). Read more about reverse mortgages in the NY Times.

June 2, 2017

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American Financing launches reverse mortgage channel

In the Denver Market, home values are up 10% over the past year, continuing a long-term trend that’s grown equity for a huge number of homeowners in the area. Yet, too many older residents in the region don’t know how valuable all that equity can be, and how a reverse mortgage can help them tap into it. American Financing aims to change that, and here’s how.

May 15, 2017

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Only a fraction of veterans take advantage of VA loans

More than a million injured post-9/11 veterans may be eligible for VA mortgages – but the majority aren’t taking advantage of the benefit, according to new data from mortgage banker American Financing. Here’s what they are missing.

March 22, 2017

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5 trends to watch in the housing market

American Financing CEO and Co-Founder, Damian Maldonado talks mortgage trends, impending changes, the growing millennial market, and what to expect in the coming months in the mortgage and housing markets. Read more about five housing market trends to watch.

December 29, 2014

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Devan Barrett