Annette Wanamaker Mortgage Loan Officer NMLS# 2000643

08/25/2026

📚 LOAN LINGO: APR

APR stands for Annual Percentage Rate — but it's not the same as your interest rate!

Your interest rate is what you pay to borrow the money. Your APR wraps that rate together with certain lender fees and closing costs, expressed as a yearly percentage. That's why APR is almost always a little higher than your quoted rate.

💡 Why it matters: APR gives you a more complete picture of the true cost of a loan — a smart tool for comparing offers between lenders.

Got a term you want decoded next? Drop it below! 👇

08/18/2026

📚 LOAN LINGO: ESCROW

Ever wonder what "escrow" actually means?

Escrow is a neutral third-party account that holds funds during a transaction — so both buyer and seller are protected until everything's finalized. It shows up in two ways when you're buying a home:

1) During closing — earnest money sits in escrow while the deal moves through inspections, appraisal, and underwriting.

2) After closing — your lender may collect a portion of your property taxes and homeowners insurance each month, holding it in an escrow account so it's ready to pay those bills when they're due. No surprise tax bill, no scrambling.

💡 Why it matters: Escrow = a safety net that keeps money (and everyone's interests) protected until the job is done.

Got a term you want decoded next? Drop it below! 👇

07/27/2026

https://buyinginsocowithannette.yourhomeclass.com

Hey! I forgot to tell you I'm hosting a live webinar Tuesday evening for First Time Home Buyers. I you or anyone you know is considering buying a home; but has questions, please share the link and join us tomorrow at 7pm!

The step-by-step blueprint to buying your first home in Colorado's competitive market - without overpaying or making costly mistakes.

07/09/2026

When an underwriter tests you the entire loan process, asking for items they already have, adding new drama to...what...justify their existence? Then, after a number of escalations, you finally get to the end and they simply say, "the loan is in the closing dept," Not "Clear to Close," well, that's just passive-aggressive.

07/03/2026

This morning's conversation with "Chad" my ChatGPT after several hours on a project. All this for $20/month.

06/24/2026

A little about your local mortgage friend, Annette Wanamaker
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402-658-7889

06/23/2026

Refinancing: Let's talk about it
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402-658-7889
Text or call!

04/11/2026

https://www.facebook.com/share/p/1FcWzRP4aV/

This 3176 square feet Single Family home has 5 bedrooms and 3 bathrooms. It is located at 5618 Makalu Drive, Colorado Springs, CO.