Lori Richardson - Mortgage Advisor

Lori Richardson - Mortgage Advisor Loans by Lori
Guild Mortgage
🧠 Helping you buy smart, with confidence, with strategy, and timeline to fit YOU! Win offers. Build wealth.

Avoid mistakes.
🔵 Guild Mortgage | 272264
📍Colorado I’ve been in the mortgage industry for over 30 years, and one thing I’ve learned is this—getting into a home is just the beginning. My approach has always been a little different. I don’t just focus on getting you approved—I focus on helping you build a plan. Before I ever recommend a loan, I take the time to understand your goals, your financial

picture, and what you want your future to look like. I truly believe your mortgage should work for you, not against you. That’s why I help my clients think beyond rates and start using their mortgage as a tool to improve cash flow, build wealth, and create more flexibility over time. My goal is simple: to help you feel confident in your decisions and set you up for long-term success—not just at closing, but well beyond it. When I’m not working, you’ll usually find me outdoors in Colorado with my husband—running, hiking, skiing, or biking somewhere above the tree line. I also love to travel, read, and spend time with my daughter, who is currently in college in Nashville pursuing her passion for writing.

Inflation moved up again, and buyers immediately assume one thing: “Great… rates are going up.”But this chart is why it’...
06/08/2026

Inflation moved up again, and buyers immediately assume one thing: “Great… rates are going up.”

But this chart is why it’s not that simple.

The headline number moved higher. The core number (what removes food and energy) is rising more slowly.

That gap matters because energy prices can whip around and make the overall number look hotter than the everyday economy.

How I’m coaching clients this week:

* For buyers: Don’t build your plan around a big drop “any day now.” Build it around what you can control, like payment comfort, cash reserves, and readiness.

* For sellers: If you’re waiting for rates to fall before listing, remember your buyer pool is still out there. They just need clarity and a workable monthly plan.

If you’re an agent and you want a simple way to explain this to a nervous client, feel free to share this post. We’d rather people make decisions with context, not panic.

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On to Switzerland…one of the most GORGEOUS counties I have ever seen! We were hosted by Bob’s relatives Jouni Epper and ...
06/06/2026

On to Switzerland…one of the most GORGEOUS counties I have ever seen! We were hosted by Bob’s relatives Jouni Epper and Katja Elmer Epper with a killer walking tour of Zürich, and their families joined us for an amazing Swiss dinner! Then they all walked us to our hotel…a beautiful ending to an incredible evening! Love you guys!! ♥️♥️🇨🇭

Most people think all mortgage help is the same.It’s not…Some people help you get a loan.Some people help you make a sma...
06/05/2026

Most people think all mortgage help is the same.

It’s not…

Some people help you get a loan.
Some people help you make a smart homebuying decision.

That difference matters when you’re trying to figure out:
âś… how much house you can afford
âś… how much money you need to buy a home
âś… whether now is a good time to buy
âś… what first-time homebuyer programs may help
âś… how to prepare your credit and cash flow

The best mortgage professionals do more than get you to the closing table.

They help you:
🎯 understand your options
🎯 avoid bad timing decisions
🎯 think through payment comfort
🎯 prepare before there’s a problem
🎯 make a plan that fits your life

If you’re a buyer, save this.
If you’re an agent, share this with clients who need the right kind of guidance.

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Most people think buying a home is a personal milestone.It is.But it’s also a community event.Because when a household b...
06/03/2026

Most people think buying a home is a personal milestone.

It is.
But it’s also a community event.

Because when a household becomes stable, the ripple effect is real:

🏡 Economy: local trades, local vendors, local jobs
🤝 Community: more roots, more pride, more investment in the block
🧠 Health: stability can lower stress and help families breathe
👧🏽 Kids: consistency with school, friends, and support systems

And in a market where affordability feels tight and rates have stayed elevated, people need reminders like this:

✅ Housing isn’t just a purchase. It’s a foundation.

If you work with buyers, sellers, or renters, save this.
If you know someone who’s feeling “guilty” for wanting a home, share it.

Sometimes the best financial decisions are also the most human ones.

Your home is probably your biggest asset. June is a great month to protect it.In today’s market, the win isn’t “timing t...
06/01/2026

Your home is probably your biggest asset. June is a great month to protect it.

In today’s market, the win isn’t “timing the perfect rate.” It’s staying in control of the costs you can control. (And yes, insurance is one of the big ones right now.)

This checklist is intentionally simple:

- Prevent small home issues from becoming big claims
- Reduce the chance of a mid-summer emergency expense
- Review coverage and deductibles before renewal season pressure
- Check credit and due dates to keep borrowing power strong

If you want, we can help you think through your “home base plan” for the rest of 2026: reserves, insurance, and smart options for accessing equity only when it actually fits your life.

Save this for your first weekend in June.

Rent isn’t “wasted money.” It’s housing. It’s stability. It’s often the right choice for a season.But here’s what people...
05/29/2026

Rent isn’t “wasted money.” It’s housing. It’s stability. It’s often the right choice for a season.

But here’s what people don’t talk about enough: rent is also hard to plan retirement around because it’s a payment that can keep changing.

In today’s market, a lot of people feel stuck. Rates have been higher, and it can feel like the goalposts keep moving.

So instead of pushing “buy now,” here’s a better question:

What would you need to feel confident?
Not pressured. Not rushed. Confident.

A few things we can help you map out (even if buying is 6 to 18 months away):

1. What a lender actually looks for
2. How to build a plan while you’re still renting (or living at home)
3. What “ready” really means for your budget, not the internet’s budget

If you’re renting and thinking, “I want a plan, I just don’t know the steps,” then let's chat. Shoot us a DM, and we'll be happy to help.

Renting is not “bad.” Buying is not “always better.”They just solve different problems.Renting can make sense when you w...
05/28/2026

Renting is not “bad.” Buying is not “always better.”
They just solve different problems.

Renting can make sense when you want flexibility, low responsibility, or you’re still figuring out your next move.

Owning can make sense when you want stability, more control, and the kind of pride that hits when you walk in the door and think, “We did this.”

If you’re debating it right now, ask yourself one question:
Do you want your housing to stay flexible, or start building a foundation?

If you want, comment RENT or OWN, and we’ll tell you the 2-3 factors that usually matter most based on your timeline (no pressure, just clarity).

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Some families do not need a reminder to remember.They remember at the dinner table.At weddings.At graduations.On ordinar...
05/25/2026

Some families do not need a reminder to remember.

They remember at the dinner table.
At weddings.
At graduations.
On ordinary Tuesdays.
In the quiet moments when something good happens, they wish they could make one more phone call.

Memorial Day asks the rest of us to pause long enough to carry a small piece of what Gold Star families carry every day.

Today, we honor those who never came home, and the families who still make room for them in every chapter of life.

A lot of smart people are sitting in the early research phase of homebuying right now because they don’t want to make a ...
05/22/2026

A lot of smart people are sitting in the early research phase of homebuying right now because they don’t want to make a mistake.

Which is totally normal.

To me, the goal isn’t to feel zero nerves, but rather to replace “I hope this works” with “we have a plan.”

If you’re early, your plan only needs 3 things:

1. A comfortable monthly number
2. A cash cushion target
3. A realistic timeline

Everything else can be refined.

If this post hits home, then shoot us a private message and let's connect on your terms.

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If you’re in that stage where you’re “kind of looking” but also avoiding the whole thing… try this tonight:Each of you a...
05/21/2026

If you’re in that stage where you’re “kind of looking” but also avoiding the whole thing… try this tonight:

Each of you answer:

1. What’s the part you’re most excited about?
2. What’s the part you’re most worried about?

That’s it.

Because most couples aren’t disagreeing about houses.
They’re disagreeing about risk and timing, money stress, and not wanting to say it out loud.

When you name the fear, the plan gets easier.

Share this post with the person you want to have this conversation with!

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Address

6465 N Greenwood Plaza Drive, Suite 100
Centennial, CO
80111

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 5pm

Telephone

+17202006868

Website

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