Mortgage Pro - Matt Martindale, CMA - NMLS #1589016

05/23/2026

Some of the places you can go in 2026 for FREE~

Matt Martindale, CMA
Certified Mortgage Advisor
NMLS #1589016
www.MattMartindale.com

05/16/2026

What’s my interest rate going to be?

Essentially, “risk equals rate" in mortgage lending.

Interest rates are not necessarily comparable across different products, borrowers, credit profiles, income types, purpose of the loan, qualifying doc types, occupancy, property types, etc. It's like calling a dealership and asking, "how much is a vehicle?" It depends...because lenders just don't know yet until there is more info. For instance, a standard conventional mortgage carries a vastly different "risk profile" and pricing structure than say a 12 or 24 month bank statement mortgage, refinancing an investment property, manufactured home or condo versus a single family residence; ITIN borrower purchasing a home.

Ultimately, a borrower’s loan profile is evaluated based on a comprehensive "grading" of many different factors, such as: income type, stability, down payment, credit score, total debt to income ratio, purpose for the mortgage, etc. As these are reviewed (and vary loan to loan), the perceived risk to the lender increases resulting in interest rate adjustments (aka "LLPA"s or Loan Level Price Adjustments). Yes, Fannie Mae and Freddie Mac have LLPAs too!

To off-set these LLPAs, a borrower can:

1) Put these adjustments into a higher rate (thus a higher payment, but often results in a lower funds to close);

2) Put them into the funds to close (often yielding a slightly lower monthly payment);

3) A combination of both;

4) On purchase transactions, borrowers may be able to negotiate seller-paid closing concessions to apply towards these too.

So, there are several factors....but ultimately, the higher the risk, the slightly higher the interest rate.

Want to chat about your scenario?
Have questions?

Let's chat~

Matt Martindale, CMA
(Certified Mortgage Advisor)
Fort Collins, CO
NMLS #1589016

04/02/2026

https://finance.yahoo.com/economy/articles/nearly-40-americans-less-500-234915886.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAJb7QnoSZwI0AOFH4MBKociWrMsrOt5-7aEmIvJjeqwcUgJPUR3NekqTvhEJAqX7N3Rup-ud4gtiOMeumzqnLhfU36qt20jfYgEK_SU5Xj0pGvfvV1KvTEFQp77bgsez7oL_VkHekrOG3V7dVyuiDA1HSIfRJEaktU146cktwZWK

Nearly 40% of Americans said that they have less than $500 in cash savings, according to a recent survey.

02/20/2026

7 Things You Should NOT Do When Applying for a Home Loan!

1) Don’t buy or lease an auto!
2) Don’t move assets from one bank account to another!
3) Don’t change jobs!
4) Don’t buy new furniture or major appliances for your new home!
5) Don’t run your own credit reports (or have multiple lenders pull your credit).
6) Don’t attempt to consolidate bills before talking to a qualified, experienced mortgage lender!
7) Don’t pack or ship information needed for the loan application (ie W2s, divorce decrees, etc shouldn’t be sent with your household goods or shoved in a folder in storage. We’ll need that stuff.)

I help people mortgage smart here in Fort Collins! That’s what I do!

HERE'S HOW I HELP:

I help people who are looking to buy, sell, refinance or invest in real estate with great rates and great service. I had a real estate license, 5 financial advisor licenses and multiple real estate, lending and professional designations and awards in my last 14 years in real estate, lending and finance. All I do now is mortgages…and I’m very good at it! I will always do the right thing! If a loan makes sense, I will tell you. If it does not, I will also tell you. (Yep, I really do this!)

I am local. I have: No quotas. No agenda. No "games.” No massive overhead (means my rates and fees tend to be much lower), I’m much faster, etc! Really, no reason to look elsewhere. Just Great Rates! Great Service!

Reach out anytime... I'd love to help!

Matt Martindale, CMA - Certified Mortgage Advisor*

(*less than 1% of all mortgage lenders in the US have earned this financial lending designation, experience, testing or have the tools we do!)

Serving Fort Collins, and the surrounding area!

(Yep! I also do investment properties out of State too!)

970-443-1287 * [email protected] * NMLS #1589016
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DISCLAIMER that is disclaimer is essential for protecting my bacon, and I love bacon! This content is educational and informational in nature. It is not intended to extend credit, nor an offer to lend or recommend available products. Equal housing lender. This content is not intended to be specific investment advice nor a solicitation to buy or sell any specific investment or strategy. Please consult with your financial advisor, attorney, CPA, doctor, tax advisor, pharmacist (or anyone else you want) for advice. Caution: Hot coffee may be served Hot. Batteries not included. Not intended to diagnose or treat any medical condition. Past performance is not indicative of future performance. Parental Guidance is suggested for those under 13. Okay, I think that's all the disclaimers I can think of...if I missed one, please let me know.

06/23/2025

In case you are curious about the real estate market…

06/07/2025

This may be the time to buy your own home. Let’s chat.

(Read my bio* below and you will see how and why my experience is how I am very different.)

Not ready or can’t buy now? No problem. Let’s get you on a path to buy down the road….6 months, a year, 2 years. No problem!

Who do I work with?

~I work with first time home buyers. (I explain the process, options, credit and how it works, how to improve it, down payment strategies, etc)

~I work with move up buyers. (Out grown your space?)

~I work with veterans. (Just closed another one closed with 0 down in fact!)

~I work with investors (buying their first home, or a seasoned investor). BOTH in CO and out of State! YES! You can buy A LOT more house that cashflows well out of State….and more landlord friendly than CO laws. In fact, I helped another buyer who bought a duplex in Tennessee for $150,000 (total) that was fully renovated, each side rented and had a net positive cash flow of between $200 and $300 each side on a loan of $106k. Super easy, great rate and he is very happy! We are now looking at several other States. Reality check for investors: buy one property in CO and no cash flow, or buy 4 around the country diversified and all cashflowlow?)

*I do low down payment (0% down, 1% down, 3% down, 3.5% down.)

*I do FHA loans.

*I do VA loans.

*I do conventional loans.

*I do USDA.

*I do luxury homes (jumbo).

*I have a "Buy Before You Sell" product (found the perfect home, but have one to sell? Let's chat!)

*I do bank statement loans! (For the self employed who make lots of money, but have a “good” CPA…so tax returns may not reflect income)

Looking to buy, sell, refinance or invest in real estate? Let’s chat!

Matt Martindale, CMA - Certified Mortgage Advisor*

(*I am not just an ordinary loan officer, bank worker or call center jockey. I have 15 years experience in real estate, lending and finance! A CMA has a much higher level of training… think of it like a “Masters degree” in lending and higher level of ongoing training, testing and ethics. Add in my past with a real estate license; CSP; e-Pro; CMLA in lending (another “Master’s degree” as well in lending); 5 financial advisor licenses and now my Crown Financial Budget Coach accreditation. All I do is mortgages! My approach is very comprehensive. The best part, I don’t cost more, I care more! I am usually less in rate and fees than the big guys anyway (because I have lower overhead - so I just pass along the great savings to my clients). In fact, less than 1% of all mortgage lenders in the US have earned this financial lending designation, experience, testing or have the tools I do!)

Living in, and serving Fort Collins, and the surrounding northern Colorado area!

(Yep! I also do investment properties out of State too!)

970-443-1287 * [email protected] * NMLS #1589016

-------------------------

DISCLAIMER that is disclaimer is essential for protecting my bacon, and I love bacon! This content is educational and informational in nature. It is not intended to extend credit, nor an offer to lend or recommend available products. Equal housing lender. This content is not intended to be specific investment advice nor a solicitation to buy or sell any specific investment or strategy. Please consult with your financial advisor, attorney, CPA, doctor, tax advisor, pharmacist (or anyone else you want) for advice. Caution: Hot coffee may be served Hot. Batteries not included. Not intended to diagnose or treat any medical condition. Past performance is not indicative of future performance. Parental Guidance is suggested for those under 13. Okay, I think that's all the disclaimers I can think of...if I missed one, please let me know!

04/25/2025

As an independent, local mortgage broker, I just don't have the huge overhead, or a team of call center jockeys tricking people into a bad rate or loan product to meet a weekly quota. (Yeah, this really happens - A LOT!) Instead, I just pass along a great rate, thorough and honest service and am very fast getting my mortgage loans done in less than a week! Efficiency matters.

~I work with first time home buyers.
~I work with move up buyers.
~I work with veterans. (Just closed another one yesterday in fact!)
~I work with investors (bying their first home, or a seasoned investor).
*I do low down payment (0% down, 1% down, 3% down, 3.5% down.)
*I do FHA loans
*I do VA loans
*I do conventional
*I do USDA
*I do luxury homes (jumbo)
*I have a "Buy Before You Sell" product (found the perfect home, but have one to sell? Let's chat!)

Looking to buy, sell, refinance or invest in real estate? Let’s chat! I have no agendas, no quotas. Never any pressure. I always tell the truth. If a loan makes sense, I will tell you. If it does not, I will also tell you. (Yes, I really do this.)

Matt Martindale, CMA - Certified Mortgage Advisor*

(*I am not just a plain loan officer, bank worker or call center jockey. I have 15 years experience in real estate, lending and real estate! A CMA has a much higher level of training… think of it like a “Masters degree” in lending and higher level of ongoing training, testing and ethics. Add in my past with a real estate license; CSP; e-Pro; CMLA in lending (another “Master’s degree” as well in lending); 5 financial advisor licenses and now my Crown Financial Budget Coach accreditation. All I do is mortgages! My approach is comprehensive. I don’t cost more, I care more! In fact, less than 1% of all mortgage lenders in the US have earned this financial lending designation, experience, testing or have the tools we do!)
Living in, and serving Fort Collins, and the surrounding area!
(Yep! I also do investment properties out of State too!)
970-443-1287 * [email protected] * NMLS #1589016

-------------------------

DISCLAIMER that is disclaimer is essential for protecting my bacon, and I love bacon! This content is educational and informational in nature. It is not intended to extend credit, nor an offer to lend or recommend available products. Equal housing lender. This content is not intended to be specific investment advice nor a solicitation to buy or sell any specific investment or strategy. Please consult with your financial advisor, attorney, CPA, doctor, tax advisor, pharmacist (or anyone else you want) for advice. Caution: Hot coffee may be served Hot. Batteries not included. Not intended to diagnose or treat any medical condition. Past performance is not indicative of future performance. Parental Guidance is suggested for those under 13. Okay, I think that's all the disclaimers I can think of...if I missed one, please let me know

04/04/2025

How’s the market?

Looking to buy, sell, refinance or invest in real estate? Let’s chat!

Matt Martindale, CMA - Certified Mortgage Advisor*

(*I am not just a plain loan officer, bank worker or call center jockey. A CMA has a much higher level of training… think of it like a “Masters degree” in lending and higher level of ongoing training, testing and ethics. Add in my past with a real estate license; CSP; e-Pro; CMLA in lending (another “Master’s degree” as well in lending); 5 financial advisor licenses and now my Crown Financial Budget Coach accreditation. All I do is mortgages! My approach is comprehensive. I don’t cost more, I care more! In fact, less than 1% of all mortgage lenders in the US have earned this financial lending designation, experience, testing or have the tools we do!)

Living in, and serving Fort Collins, and the surrounding area!

(Yep! I also do investment properties out of State too!)

970-443-1287 * [email protected] * NMLS #1589016
-------------------------
DISCLAIMER that is disclaimer is essential for protecting my bacon, and I love bacon! This content is educational and informational in nature. It is not intended to extend credit, nor an offer to lend or recommend available products. Equal housing lender. This content is not intended to be specific investment advice nor a solicitation to buy or sell any specific investment or strategy. Please consult with your financial advisor, attorney, CPA, doctor, tax advisor, pharmacist (or anyone else you want) for advice. Caution: Hot coffee may be served Hot. Batteries not included. Not intended to diagnose or treat any medical condition. Past performance is not indicative of future performance. Parental Guidance is suggested for those under 13. Okay, I think that's all the disclaimers I can think of...if I missed one, please let me know : )

03/17/2025

Sometimes you have to switch strategy, even with your home loan. Change your game by refinancing to see what a new rate can do for you! Contact me today. Matt Martindale, CMA (Certified Mortgage Advisor) NMLS 1589016. (Not a dime a dozen loan officer, bank worker or call center)

03/16/2025

Who needs all that paper anyway? Message me to discover how our doc-less process can simplify your home financing journey. I make mortgage loans simple. Matt Martindale NMLS 1589016. (970)443-1287.