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.

Before the long holiday weekend kicks off, there’s an observation we’ve seen that’s too good not to share.There happens ...
09/04/2026

Before the long holiday weekend kicks off, there’s an observation we’ve seen that’s too good not to share.

There happens to be a buyer category hiding in a lot of real estate databases.

- They aren’t clicking listings every night.
- They aren’t requesting showings.
- They might even insist they would “never give up” their current mortgage rate.

But life keeps happening.

Families grow.
Jobs change.
Parents age.
Relationships change.
People relocate.

The question isn’t always whether they want another house.

It’s whether anyone has helped them understand how a move could actually work financially.

That conversation may be one of the biggest untapped opportunities for agents heading into fall.

Realtor friends, correct me if I’m wrong, but “I’m waiting for rates” has become one of the most common ways buyers paus...
09/02/2026

Realtor friends, correct me if I’m wrong, but “I’m waiting for rates” has become one of the most common ways buyers pause the conversation.

Yet, when offered a causal lender conversation… we have discovered this “objection” isn’t always the actual problem.

- Sometimes they’re worried about the payment.
- Sometimes they’re afraid of buying at the wrong time.
- Sometimes they haven’t seen what seller concessions could do.
- And sometimes they simply need permission to slow down and understand the numbers.

For agents and lenders, that distinction matters.

B/c we can’t solve the wrong objection.

The strongest buyer conversations right now may start by asking what “waiting for rates” actually means to that particular person.

Do you agree?

The market heading into 🍂 September looks very different from the one many buyers still have in their heads.✅ Inventory ...
08/31/2026

The market heading into 🍂 September looks very different from the one many buyers still have in their heads.

âś… Inventory is higher.
âś… Buyer demand has softened.
âś… And in many markets, sellers are becoming more realistic.

That creates an opportunity for agents who can help serious buyers understand what has actually changed.

The conversation isn’t simply, “Rates are high.”

It’s:

🎯 What can we negotiate?
🎯 What properties have been sitting?
🎯 Where is the seller motivated?
🎯 Could concessions improve the financing?
🎯 What would make the numbers work?

Sometimes the opportunity isn’t waiting for the market to change… It’s recognizing that it already has.

08/28/2026

A 20% down payment is not the only path to buying a home.

Depending on your eligibility, property, location, and loan program, options may include VA or USDA financing, FHA or low-down-payment conventional loans, down payment assistance, gift funds, and certain builder or seller incentives.

The better question is not simply, “What’s the least I can put down?” It’s how your down payment affects your cash reserves, monthly payment, loan options, and overall financial position.

We can help you compare the options and decide what makes sense for your situation.

08/26/2026

Buying a home is a huge milestone, but protecting your family goes far beyond closing day.

If you have children, make sure these essentials are in place:

• A will that names a guardian.
• A living trust, if it fits your family's needs.
• Enough life insurance to help protect your loved ones.
• Updated beneficiaries on retirement accounts.
• Medical and financial powers of attorney.

These aren't just legal documents. They're part of your family's financial plan and can provide clarity during life's unexpected moments.

Take a few minutes to review what you already have in place and what still needs attention. Future you, and your family, will be glad you did.

08/24/2026

A mortgage is more than a transaction. It's the beginning of birthdays around the kitchen table, first holidays, quiet mornings, and the moments a house becomes home.

What a privilege it is to help families make one of the biggest financial decisions of their lives and create a path to the place where those memories will be made.

That's why we focus on helping people make smart mortgage decisions, not just getting to the closing table.

Success isn't always measured by numbers.Sometimes it's the messages you save.The milestones you get to witness.The rela...
08/21/2026

Success isn't always measured by numbers.

Sometimes it's the messages you save.
The milestones you get to witness.
The relationships you build along the way.
The people who trust you during life's biggest moments.
And the feeling of knowing you made a difference, even if no one else sees it.

At the end of the day, that's what makes this work meaningful.

What defines a successful year for you?

Is it 5.5%? 4%? Or are you waiting for rates to drop even further?The reality is that the "right" rate is different for ...
08/19/2026

Is it 5.5%? 4%? Or are you waiting for rates to drop even further?

The reality is that the "right" rate is different for everyone. Your monthly payment, budget, long term plans, and the homes available today all matter more than chasing one specific number.

Waiting could work out, or it could mean facing higher home prices or more competition later. The best move is understanding your options before deciding.

What interest rate are you waiting for?
Let us know in the comments.

A buyer’s market doesn’t mean every seller is desperate…It means buyers may have something many haven’t had consistently...
08/17/2026

A buyer’s market doesn’t mean every seller is desperate…

It means buyers may have something many haven’t had consistently for years: options.

Redfin estimates sellers outnumbered buyers by 51.3% nationally in July. Some markets are significantly more buyer-friendly than others, so local conditions still matter.

That changes the mortgage conversation too.

Instead of looking only at rate, we can evaluate the entire transaction: purchase price, seller concessions, temporary or permanent buydowns, repairs, cash needed at closing and future refinance possibilities.

The opportunity may not be “cheap money.”
The opportunity may be less competition for the right house.

đź’ľ Save this before you start negotiating your next purchase.

08/14/2026

Most buyers read a listing and take every word at face value.

The problem is that listing descriptions are written to market a home, not explain the seller's situation.

Here's what a few common phrases may actually mean:

• Motivated seller: The seller may have a deadline, but it doesn't automatically mean they'll accept a lower offer.

• Priced to sell: It may be priced competitively, or it may be designed to attract multiple offers.

• As-is: The seller may not plan to make repairs, but you should still protect yourself with a thorough inspection.

The words in a listing are only one piece of the puzzle. Market conditions, comparable sales, days on market, and the seller's goals all help shape the right offer strategy.

Before you assume you know what a listing means, make sure you're looking at the full picture.

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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