Cynthia Vargas Laudick The Mortgage Co NMLS #375805

Cynthia Vargas Laudick The Mortgage Co NMLS #375805 Hello, I'm Cynthia Laudick! I’m dedicated to helping you navigate the mortgage process with transparency and care. Contact me today for a mortgage consultation!

When I'm not assisting clients, I love traveling, cooking, and art. Let's work together to make your homeownership dreams come true! The Mortgage Company (TMC) has been locally owned and operated in Colorado since 1996 . We have in house processing and underwriting...no OUTSOURCING! TMC has a long menu of mortgage products to meet all qualified borrowers needs! I would love the opportunity to earn your business!

Private Mortgage Insurance (PMI) is a type of insurance that protects the lender if you default on your loan. It’s typic...
08/29/2025

Private Mortgage Insurance (PMI) is a type of insurance that protects the lender if you default on your loan. It’s typically required when you put down less than 20% on a conventional loan.

Why does it matter?
If you’re putting down less than 20%, PMI helps make homeownership more accessible by allowing you to borrow with a smaller down payment. The good news? Once you reach 20% equity in your home, PMI can usually be removed! 🎉

Have questions about PMI? Let’s talk about how it works and how it might affect your mortgage!



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

Life has a way of surprising us, especially during the mortgage process, but I’m here to help you navigate any changes a...
08/27/2025

Life has a way of surprising us, especially during the mortgage process, but I’m here to help you navigate any changes along the way!

🎙 Talk to me: If your job or financial situation changes, let me know so we can adjust together.
💸 Hold off on big purchases: It’s best to wait until after closing for any major financial decisions.
🙂 Stay flexible: Life happens, and I’ll work with you if delays come up.

No matter what changes you face, I’m here to guide you through the process with ease!



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

The mortgage process can feel like a lot, but with a little guidance, it doesn’t have to be overwhelming. Here are a few...
08/25/2025

The mortgage process can feel like a lot, but with a little guidance, it doesn’t have to be overwhelming. Here are a few simple do’s and don’ts to help keep things on track: Do’s:

DO
✅ It’s always a good idea to keep the conversation flowing and ask if anything feels unclear.
✅ A little attention to your budget can go a long way during this process.
✅ It’s helpful to remember there are a few extra expenses beyond the down payment!

DON’T
❌ It’s best to hold off on big buys or new credit accounts until after closing.
❌ It’s important to take your time with any financial moves. You’ll want to feel confident with your choices.
❌ Timely bill payments help keep everything in check and your credit in good standing.
❌ A few simple steps can help keep things smooth and stress-free. If you need any support along the way, I’m here to help!



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

This quote got me thinking about the spaces we call home. A home is more than just walls – it’s where memories are made,...
08/22/2025

This quote got me thinking about the spaces we call home. A home is more than just walls – it’s where memories are made, and every corner holds a story. Whether it’s your cozy backyard, your family’s favorite room, or the front porch where you’ve had countless conversations, these places remain constant. Even as life and the people in it change, the home stays a beautiful, timeless backdrop to all of it. 🏡💖

Here’s to creating spaces that stand the test of time and hold our most cherished moments.



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

Looking to increase your credit score? Here are a few simple steps you can take that can have a big impact:Pay Your Bill...
08/20/2025

Looking to increase your credit score? Here are a few simple steps you can take that can have a big impact:

Pay Your Bills on Time ⏰
Even a small late payment can hurt your score. Set reminders or automate your payments to stay on top!

Keep Credit Card Balances Low 💳
Try to use less than 30% of your credit limit to keep your credit utilization ratio in check. Lower balances = better score!

Check Your Credit Report for Errors 📊
Sometimes, errors can bring down your score. Make sure everything’s accurate and dispute any mistakes you find.

Avoid Opening New Credit Accounts 🚫
Each new credit inquiry can temporarily lower your score. Only open new accounts when necessary.

Consider Becoming an Authorized User ✅
If someone with a good credit history adds you as an authorized user on their credit card, it can help boost your score.

These small steps can add up to big improvements over time. Ready to start working on your credit? Let’s chat about how we can help you get your score where it needs to be!



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

Spending time with my son, even in simple moments like cooking together, reminds me how precious family truly is. From w...
08/18/2025

Spending time with my son, even in simple moments like cooking together, reminds me how precious family truly is. From when he was a little boy to now as an adult, some things change, but the bond we share remains constant. It’s these small moments that I’ll always treasure.⁠
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To all the moms out there – we hold it all together, no matter what stage of life our kids are in. 💪💙⁠
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Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

Spending time with my son, even in simple moments like cooking together, reminds me how precious family truly is. From w...
08/18/2025

Spending time with my son, even in simple moments like cooking together, reminds me how precious family truly is. From when he was a little boy to now as an adult, some things change, but the bond we share remains constant. It’s these small moments that I’ll always treasure.

To all the moms out there – we hold it all together, no matter what stage of life our kids are in. 💪💙



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

One of the most common mistakes people make when preparing to buy a home is not checking their credit report for errors....
08/15/2025

One of the most common mistakes people make when preparing to buy a home is not checking their credit report for errors. Credit reports can sometimes include mistakes that hurt your score, like incorrect late payments, accounts that aren’t yours, or outdated information.

🔑 What types of errors should you look for?
- Incorrect personal information (name, address, etc.)
- Accounts or inquiries you don’t recognize
- Missed payments that were actually on time
- Accounts that have been closed but still show as open

💡 How to check:
You’re entitled to a free credit report once a year from each of the three major credit bureaus – Equifax, Experian, and TransUnion. It’s simple and easy to request these reports online at AnnualCreditReport.com.

Taking a few minutes to review your credit can save you from potential delays or higher rates when buying a home. Let’s make sure your credit is ready to go when you are!



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

A Closing Disclosure is a key document you’ll receive three days before closing on your home. It breaks down all the fin...
08/13/2025

A Closing Disclosure is a key document you’ll receive three days before closing on your home. It breaks down all the final details of your loan, including the loan amount, interest rate, and closing costs – making sure everything aligns with what you agreed upon earlier in the process.

It’s crucial to review this document carefully to make sure there are no surprises! Need help understanding yours? I’m here to walk you through it!



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

I’m beyond proud to share that I’ve hit a special milestone – 1,000 hours of volunteering with the USO! 🎉 For those who ...
08/11/2025

I’m beyond proud to share that I’ve hit a special milestone – 1,000 hours of volunteering with the USO! 🎉 For those who may not know, the USO (United Service Organizations) provides support and comfort to our military service members and their families, offering everything from care packages to entertainment and more.

Reaching this milestone isn’t just a personal accomplishment – it’s a small token of the much larger good that the USO does for those who serve our country. Each hour represents a way I’ve been able to help and give back to the brave men and women who sacrifice so much. It’s a privilege to be part of such a meaningful cause and to connect with these incredible families.

Here’s to continuing to support our troops and making a difference in their lives, one small act at a time. Thank you to everyone who’s been part of this journey with me! 💙



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

The front door of your home is so much more than just a piece of wood or metal – it’s the gateway to everything that lie...
08/08/2025

The front door of your home is so much more than just a piece of wood or metal – it’s the gateway to everything that lies inside. Whether it’s a new home, a childhood home, or a place filled with memories, that door stands as a symbol of security and protection, both physically and mentally.

It’s the first thing you see when you arrive, the first thing visitors notice, and the last thing you see before you step into your world. It’s a threshold that marks the space where you can truly be yourself, and where your family feels safe, loved, and grounded.

That front door may just be a small detail, but it’s a key part of what makes a house feel like home. 🏠💖



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

The Loan-to-Value (LTV) ratio is a simple calculation that shows how much of your home’s value is covered by your mortga...
08/06/2025

The Loan-to-Value (LTV) ratio is a simple calculation that shows how much of your home’s value is covered by your mortgage. For example, if you’re buying a home worth $200,000 and your loan is $160,000, your LTV is 80%.

The lower your LTV, the better, as it typically means less risk for the lender and better loan terms for you!

Want to understand how LTV affects your mortgage? Let’s talk about how it plays a role in your home buying process!



Cynthia Laudick, NMLS #375805, is a mortgage lender under The Mortgage Co. NMLS #68929. This is information purposes only and is not a commitment to lend. Equal housing opportunity.

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7343 S Alton Way, Suite 150
Centennial, CO
80112

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