Robert 'Hutch' Hutchison - NMLS# 316138 - Central Bank

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A 2-1 buydown can make the first two years of homeownership feel a little more manageable by temporarily lowering the pa...
09/24/2026

A 2-1 buydown can make the first two years of homeownership feel a little more manageable by temporarily lowering the payment.

The note interest rate stays the same, but payments are calculated using a rate 2 percentage points lower in year one and 1 percentage point lower in year two.

In the example shown, that means about $451 less per month in year one and $231 less per month in year two compared with the full note-rate payment.

The cost of the buydown is funded upfront at closing.

If you’re getting ready to make an offer, it’s worth looking at more than just the purchase price. Sometimes the way the deal is structured can make a meaningful difference in your monthly budget.

Reach out and I can help you run the numbers and see what a 2-1 buydown could look like for your situation.

Member FDIC | NMLS # 407985 | Equal Housing Lender

I'm more than just your mortgage lender. 🤍With me, it’s not just another transaction - it’s the beginning of a lifelong ...
09/17/2026

I'm more than just your mortgage lender. 🤍

With me, it’s not just another transaction - it’s the beginning of a lifelong relationship! Message me today to get started on your homeownership journey.

Member FDIC | NMLS # 407985 | Equal Housing Lender

Everyone's financial situation is different. However, a great way to start building your long-term wealth is by buying a...
09/09/2026

Everyone's financial situation is different. However, a great way to start building your long-term wealth is by buying a home. Part of each mortgage payment goes toward your loan principal, turning your housing cost into a tangible asset. Additionally, homes generally appreciate in value over time, making them a solid investment.

There are loan programs specifically designed to help first-time homebuyers achieve homeownership, and I would love to meet with you to see if you qualify!

Learn more about the pros and cons of renting and buying: https://www.centralbank.net/learning-center/homeownership/buying/buying-vs-renting-infographic/

This is not a commitment to lend or extend credit. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. All rates, programs and fees are subject to underwriting guidelines and are subject to change without notice. Other restrictions may apply. See bank for details. The Central Trust Bank NMLS #407985 MEMBER FDIC 238 Madison St, Jefferson City, MO 65101. Copyright Central Bancompany. All rights reserved.

When deciding whether a Fixed-Rate or Adjustable-Rate mortgage is right for you, it's important to consider your current...
08/13/2026

When deciding whether a Fixed-Rate or Adjustable-Rate mortgage is right for you, it's important to consider your current and future finances.

Message me today, and we can explore your options to find the best path forward.

Read more about the different types of mortgages on our Learning Center: https://www.centralbank.net/learning-center/

Member FDIC | NMLS # 407985 | Equal Housing Lender

It's Back to School Time! đź“šAs we gear up for a new school year, it's the perfect opportunity to brush up on some mortgag...
08/06/2026

It's Back to School Time! đź“š

As we gear up for a new school year, it's the perfect opportunity to brush up on some mortgage basics and prepare for your journey to homeownership this fall!

Whether you're a first-time buyer or looking to upgrade, I'm here to help you navigate the process. Have questions? Don't hesitate to DM me anytime!

Member FDIC | NMLS # 407985 | Equal Housing Lender

Mortgage Tip!đź’ˇA good credit score is essential for a smooth mortgage process. Before you consider buying, work on improv...
07/30/2026

Mortgage Tip!đź’ˇ

A good credit score is essential for a smooth mortgage process. Before you consider buying, work on improving your credit score if possible. You can do this by paying off debts, paying your bills on time, avoiding applications for new credit (which can result in hard inquiries), and regularly checking for fraud or mistakes.

If you have any questions, contact me today!

Member FDIC | NMLS # 407985 | Equal Housing Lender

07/23/2026

Let’s talk mortgages this July! Message me today, and together we can create a personalized plan just for you!

Member FDIC | NMLS # 407985 | Equal Housing Lender

When people hear “VA loan,” they often think of one benefit first: no down payment.But that is only part of the conversa...
07/22/2026

When people hear “VA loan,” they often think of one benefit first: no down payment.

But that is only part of the conversation.

Many Veterans and service members do not realize they may be able to use their VA loan benefit more than once, that VA loans do not require monthly mortgage insurance, or that this option is not limited to first-time homebuyers.

Like any mortgage option, the right fit depends on the full picture — eligibility, goals, property type, credit, income, and overall strategy.

If you or someone you know has served, connect with a local mortgage lender to talk through VA loan options and see what may be available based on your situation.

This is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, borrower qualifications, program guidelines, property eligibility, and underwriting approval. Additional terms and conditions may apply.

Member FDIC | NMLS # 407985 | Equal Housing Lender

For some homeowners, refinancing is an opportunity to get a lower rate, tap into home equity, and much more. However, se...
07/20/2026

For some homeowners, refinancing is an opportunity to get a lower rate, tap into home equity, and much more. However, several factors play into refinancing your home, and it’s important to fully understand the process.

Message me today and I'll evaluate if refinancing is right for you!

Visit our Learning Center for more: https://www.centralbank.net/personal/home-loans/refinance/pros-and-cons-of-refinancing/

Member FDIC | NMLS # 407985 | Equal Housing Lender

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115 S 7th Suite 106
Canon City, CO
81212

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