Mariana Wagner

Colorado mortgage loan originator with over 25yrs of experience in the local real estate world, as a lender, Realtor®, and consumer.

NMLS # 1453339 | Powered by PLACE | Envoy Mortgage NMLS: #6666 Mortgage Loan Officer, Realtor® Trainer

07/25/2026

Curious how I can get you one percent off your interest rate for a whole year? DM me.

07/13/2026

Reluctant Buyers? There Are More Options Than You Think...

Most buyers today aren’t priced out — they just don’t know all their options yet. Between lowering payments, reducing cash needed, and even using the home to help pay for itself, we’ve got more ways to make this work than most people realize.

What it is: A combination of three tools designed to solve the biggest buyer objections right now:

💥Envoy Rate Saver → lower the monthly payment today with reduced rates
💥Envoy Home Assist → reduce or eliminate down payment barriers
💥Envoy Invest → use house hacking to offset costs and build long-term wealth

Why it matters now:
This is a hesitation-driven market. Buyers aren’t saying “no” — they’re saying “not sure yet.”

These solutions directly address the three biggest friction points:
💰Monthly payment
💰Cash to close
💰Long-term financial confidence

Who it’s perfect for: Buyers stuck waiting for rates to drop, short on down payment funds or open to creative strategies to make ownership work.

Want to learn more? Give me a call: 719-782-8415 or visit www.MarianaWagner.com

06/15/2026

Still hate these mortgage rates? Same.

I hear this every day. The thing is, rates are steady but still elevated, and waiting hasn’t magically made them drop.

But here’s one way to soften the blow: On qualifying loans, we can use a lender-paid 1/0 buydown so your interest rate is 1% lower for the first year, which means a noticeably lower monthly payment – with Envoy covering the cost of that discount.

You lock today’s rate, but pay based on a lower rate for the first 12 months, which can save you hundreds in year one and give you breathing room to settle into your new home.

Call me to see how you can qualify: 719-782-8415
Or visit: ApplyWithMariana.com

Mariana Wagner | Mortgage Loan Originator

NMLS #1453339 | ENVOY Mortgage NMLS #6666
Powered by PLACE

06/04/2026

Check out this beauty on almost 5 acres!!

05/28/2026

After more than 25 years in real estate, I’ve reactivated my mortgage license with Envoy Mortgage, and now I am here to help with all of your and your clients' home-buying and refinancing needs while providing consistent, education‑based communication and guidance throughout the entire mortgage process.

If you’re unsure what’s realistic for you in this market, reach out. I’ll help you understand your numbers, your options, and your next steps with consistent, education‑based communication.

I chose Envoy because they actually care about doing this the right way—strong compliance, clear communication, and a focus on long-term relationships, not just quick deals.

Through our partnership with PLACE, I’m also an owner in Envoy, which means I’m personally invested in the quality of every loan experience, not just the next closing.

If you’re thinking about buying, refinancing, or just want a straight answer about what’s realistic for you in the current market, I’m here to walk through the numbers with you—no pressure, no hype.

Mariana Wagner | NMLS # 1453339 | 719-782-8415
[email protected] | ApplyWithMariana.com

Address

Colorado Springs, CO
80919

Telephone

+17196503952

Website

http://www.ApplyWithMariana.com/

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