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Lori Richardson - Mortgage Advisor

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United States
Centennial, CO
Lori Richardson - Mortgage Advisor

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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.

10/30/2026

👻 GHOST THE LENDER WHO GHOSTS YOU.

Because the only thing scarier than a haunted house is a lender who disappears the second your buyer goes under contract. 💀

You know the drill…

📱 Calls going straight to voicemail.
📧 Emails disappearing into the abyss.
😱 You’re left wondering if anyone is actually working on the loan.

Realtors, you’ve got enough plot twists to manage without your lending partner becoming a mystery.

We’re big believers in clear communication, proactive updates, and helping you and your buyers understand the numbers before they become surprises.

No disappearing acts required. 👻

Realtors, what’s scarier: A haunted house or a lender who won’t answer the phone? 😂

10/29/2026

Almost 15 days in… and where are we now?

One of the best parts of this new chapter at Guaranteed Rate has been the opportunity to work alongside Matthew Hibler and his incredible team again.

( Correction, my incredible team )

Matthew and I have known each other for over 18 years, and we've had the opportunity to work together seamlessly in the past. And let me tell you, some things just don't change! 😊

After nearly two weeks, I'm reminded of just how aligned we are in our approach to business, our commitment to clients, and the importance of doing things the right way.

Matthew's financial expertise, integrity, and reputation for exceptional service in the Denver community are things I've admired for years. And getting to watch him and his team in action again? Even better!

There's something special about working with people you genuinely respect, trust, and enjoy.

New chapter. Familiar faces. Shared values. Bigger possibilities.

Feeling incredibly grateful and excited for what's ahead! 😇❤️

Literacy

10/28/2026

Two buyers can have the same credit score and still have different mortgage profiles.

Why? Because mortgage lending involves more than the number at the top of a credit report. Credit utilization, payment history, recent inquiries, newly opened accounts, and other details can all be part of the picture.

There’s another piece buyers are often surprised by: the score you see through a consumer credit app may not be the same scoring model used for a mortgage.

If buying a home is on your radar, we can review the mortgage side of your financial picture early so you have time to prepare before you’re making offers.

10/26/2026

Can you buy a home if you have student loans?

Potentially, yes. Having student loan debt by itself does not automatically take homeownership off the table.

When you apply for a mortgage, one of the things a lender looks at is your debt-to-income ratio. Your qualifying student loan payment may be included alongside obligations such as car payments, credit cards, and other debts.

Where it gets confusing is when your student loan statement shows a very low payment, a $0 payment, or the loans are deferred. Depending on the mortgage program and your circumstances, the payment used for qualification may be different from what you see on your statement.

That is why we would not recommend assuming you need to pay off student loans before you can buy.

Before moving money around or changing a repayment plan specifically to prepare for a mortgage, we can look at how the debt may be treated, what the rest of your financial picture looks like, and what buying power that could support.

The useful question is not just, “How much student debt do I have?”

It is, “How does my student debt affect my mortgage options?”

10/23/2026

I help people make big moves every day… but this time, I made one!

I'm so excited to announce that I am partnering with Matthew Hibler & his incredible team!

Matthew and I have a shared passion for helping people, building meaningful relationships, and making homeownership dreams possible - so it's a perfect fit!

New chapter.
Fresh energy.
Endless possibilities.

To my clients, Realtor partners, friends, and family - thank you for being part of my journey.

I can't wait to see what we accomplish together!

Let's make some BIG moves! 🔑

10/21/2026

The ghosts can stay. But giving up that 3% mortgage rate? Now THAT’S scary. 👻🏡

You’ve got a haunted house and a 3% interest rate. What’s your next move?

👻 A. STAY:
Learn to live with the ghosts. That mortgage rate is hard to leave behind.

🏡 B. RENT IT OUT:
Let the tenants deal with the paranormal activity while you keep the property. (Full disclosure to the tenants, of course. 😂)

🔑 C. SELL:
The ghosts have won. You’re buying something else.

Here’s where we come in. A low mortgage rate can be a great reason to keep a home, but it doesn’t automatically make staying or renting the best financial decision.

We help you actually see the numbers. What would keeping the home cost you over time? What could renting it look like after expenses? What happens financially if you sell and buy something else?

We can put those scenarios side by side, including cash flow, equity, and long-term costs, in a way that’s surprisingly easy to understand.

Because making a big financial decision shouldn’t feel like walking into a haunted house blindfolded.

Now vote: 🗳️
A, B, or C? And how haunted would it have to be before you’d finally give up that 3% rate? 😂

10/20/2026

Not every renovation adds value when it is time to sell.

Some upgrades can narrow the pool of future buyers, remove features people expect, or cost far more than they are likely to return.

Before converting a garage, removing a bathtub, replacing closets with living space, or choosing highly customized finishes, think about how the change affects both your life today and the home's future marketability.

Even popular projects like pools or solar panels can depend heavily on the property, neighborhood, ownership or financing terms, and local buyer preferences.

Your home should work for you, but if resale matters, it is worth looking at the bigger financial picture before committing to a major project.

10/19/2026

We had a productive day. We answered emails.

We handled business.

And then the last hour arrived and whatever professionalism we had left quietly clocked out early. 😂

Tag the work bestie who gets absolutely nothing done with you after 4 PM.

10/16/2026

The house that was perfect for raising a family might look a little different from the home you want to grow old in. ❤️

Maybe you don't need all those extra bedrooms anymore... or maybe you'd rather have less to maintain and more time to enjoy life together.

Or perhaps the home you're already in is exactly where you want to be.

Because finding the right home isn't always about getting something bigger or better.

Sometimes it's about recognizing what matters most in this season of life.

And making room for more of it. 🏡

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

http://www.loansbylori.com/, https://branches.guildmortgage.com/co/centennial/lori-richardson-148-chlri.html, https://my

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