John Hickman - Baxter Financial Funding, LLC - NMLS 1170182

John Hickman - Baxter Financial Funding, LLC - NMLS 1170182 Mortgage Broker with Baxter Financial Funding, LLC providing A+ service & results to my clients!

BAXTER FINANCIAL FUNDING, LLC
Corporate Address: 7109 Winthrop Cr Castle Rock, CO 80104
https://bff-mortgage.com/
Corporate NMLS #: 196417
MLO NMLS #: 1170182
CO MLO #: 100509437
NMLS Consumer Access Link: https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/1660690
BAXTER FINANCIAL FUNDING, LLC is an Equal Housing Lender
Texas Complaint and Recovery Fund Notice: https://bit.ly/3B5pAfz

Is an adjustable rate mortgage right for your home?Many homebuyers ask whether an adjustable-rate mortgage (ARM) is the ...
09/09/2026

Is an adjustable rate mortgage right for your home?
Many homebuyers ask whether an adjustable-rate mortgage (ARM) is the right fit for their situation. With an ARM, you benefit from a lower initial fixed interest rate, but after that introductory period, the rate shifts according to an index plus a margin—though there are caps to keep increases in check. ARMs can be a smart option for those planning to move or refinance before the rate adjusts, but it’s important to weigh the risk of future payment increases against the steady predictability of a fixed-rate mortgage. Since 2006, I’ve helped clients match their financing strategy to their unique homeownership or investment goals. My focus is always on finding the mortgage that aligns with your plans, whether you’re buying your first home or investing for the future.
https://www.housing-trends.com/agent-news/john-hickman-1/1949300-Is-an-adjustable-rate-mortgage-right-for-your-home%3F

09/08/2026

When will mortgage rates go down again? A stable trend holds.
Many are asking when mortgage rates will finally dip again, but for now, we’re seeing steady movement—currently, 30-year fixed rates are holding near 6.49%, closely tracking the 10-year Treasury yield. As someone who’s guided clients through changing markets since 2006, I know that high prices and tight inventory can feel discouraging. But there are still smart paths to homeownership. Options like smaller homes, condos, fixer-uppers, or even a 15-year loan can make your budget go further. Finding the right financing isn’t one-size-fits-all, and it’s rewarding to help clients navigate these choices on their way to building wealth through real estate.

09/07/2026

U.S. VA Loans vs. Conventional Loans
Choosing between a VA loan and a conventional loan? I’ve guided clients through this decision many times since 2006. VA loans are a tremendous resource for veterans, active military, and certain surviving spouses—especially when down payment savings are limited or debt-to-income ratios are on the higher side. With a VA loan, you’ll pay a one-time funding fee, but there’s no annual mortgage insurance. On the other hand, conventional loans can be the more economical route if you can put down 20%, since you’ll avoid mortgage insurance altogether. Plus, they’re flexible enough to finance second homes or investment properties—something many of my wealth-building clients appreciate. The best way to know which is right for you? Compare rates and fees for both using your exact financial picture. I always recommend digging into the numbers with a trusted mortgage professional who understands both options inside and out. That way, you’ll be confident you’re on the path that truly fits your goals.

09/06/2026

Happy Labor Day!

The mortgage myth keeping middle-income renters on the sidelinesThink you need 20% down to buy a home? 🏠 You’re not alon...
09/06/2026

The mortgage myth keeping middle-income renters on the sidelines
Think you need 20% down to buy a home? 🏠 You’re not alone—84% of renters overestimate what’s required, and most miss out on easier options like FHA loans! Ready to bust the biggest mortgage myths? 💡 Don’t let misinformation keep you from your dream home—find out what you really need! 🗝️
https://www.housing-trends.com/agent-news/john-hickman-1/1920515-The-mortgage-myth-keeping-middle-income-renters-on-the-sidel

Current Colorado Mortgage And Refinance RatesKeeping an eye on Colorado’s mortgage landscape is key for anyone looking t...
09/05/2026

Current Colorado Mortgage And Refinance Rates
Keeping an eye on Colorado’s mortgage landscape is key for anyone looking to make smart moves, whether you’re buying a home or investing in real estate. Right now, the average 30-year mortgage rate in Colorado sits at about 6.696%—just a touch below the national average. Notably, rates for 15-year, jumbo, and refinance mortgages have been following a downward trend over the past three months. As someone who’s been guiding clients through these shifts since 2006, I know that every fraction of a percent can make a big difference. Whether you’re dreaming of your first home or looking to grow your investment portfolio, understanding these rates is the first step to making informed, strategic decisions.
https://www.housing-trends.com/agent-news/john-hickman-1/1933862-Current-Colorado-Mortgage-And-Refinance-Rates

09/04/2026

US Mortgage Rates May Stay Elevated

09/01/2026

Down payment assistance: How it works and how to qualify
Let’s connect and talk about the latest insights in the industry!

Address

Castle Rock, CO

Telephone

+15128101856

Website

Alerts

Be the first to know and let us send you an email when John Hickman - Baxter Financial Funding, LLC - NMLS 1170182 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category