Clayhouse Mortgage

Call Website Contact the business

Welcome to Clayhouse Mortgage, where expertise meets heart in every aspect of our service.

With a combined experience of over three decades in lending, our team brings a depth of knowledge and insight that sets us apart.

10/16/2026

The 20% down payment is a choice, not a rule. First-time buyers put down a median of 10% (National Association of REALTORS, 2025 Profile of Home Buyers and Sellers). Minimums are lower: 3.5% on an FHA loan with a credit score of 580 or above (HUD Handbook 4000.1), and 3% on a conventional loan when at least one borrower is a first-time buyer (Fannie Mae Selling Guide B2-1.3-01). A smaller down payment usually means mortgage insurance and a larger loan, so it is a trade-off to price out. See which assistance may fit you: https://clayhousemortgage.com/down-payment-help?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w43&utm_content=car-down-payment-myth

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

10/15/2026

An appraisal is not an inspection. The appraiser gives the lender an estimate of the home’s market value. The inspector works for you and looks at the home’s condition (CFPB, Your Home Loan Toolkit). On an FHA loan, HUD says it plainly: a home inspection only happens if you arrange one. Colorado does not license home inspectors, so ask about certification and insurance. Our Colorado Springs inspection checklist is here: https://clayhousemortgage.com/colorado-springs-home-inspection-checklist?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w42&utm_content=car-appraisal-inspection

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

10/14/2026

Your job gets checked twice. On conventional loans the lender verifies your employment again no more than 10 business days before the note date, right before closing (Fannie Mae Selling Guide B3-3.1-04). A new job in the middle of a loan is not automatically a problem, but it has to be documented, so call your loan officer before you give notice. Get your plan before you shop: https://clayhousemortgage.com/buyer-plan?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w42&utm_content=car-job-change

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

10/13/2026

El Paso County had 3,619 single-family homes for sale in September, and 780 sold, down 10.3% from September 2025. Homes took 50 days to sell on average, and sellers still received 99.1% of list price (Colorado Association of REALTORS, Local Market Update, September 2026). More to choose from is not the same as cheaper, so know your own numbers before you tour: https://clayhousemortgage.com/how-much-home?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w42&utm_content=car-local-sept

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

10/12/2026

Comparing mortgage lenders does not mean a new hit to your credit every time. Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry (Consumer Financial Protection Bureau). Some older scoring versions use 14 days, so keep your shopping close together. See where your credit stands for a home loan with our free 5-question check: https://clayhousemortgage.com/credit-check?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w42&utm_content=car-rate-shopping

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

10/09/2026

Homes in the Pikes Peak region took an average of 46 days to sell in August, up from 40 a year earlier, and 812 sold, down 5% (Pikes Peak Association of REALTORS, August 2026). A slower market can give buyers more time and room to negotiate, but your approval still starts with your own numbers. Know them before you tour.

Start here: https://clayhousemortgage.com/how-much-home?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w41&utm_content=car-local-dom

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

10/08/2026

What actually happens after you apply for a mortgage. By law you get a Loan Estimate within 3 business days of applying, and a Closing Disclosure at least 3 business days before you close (CFPB, Regulation Z). In between: processing, the appraisal, underwriting and conditions. As a broker, we compare options across multiple lenders, and one person stays with your file from application to keys.

Start here: https://clayhousemortgage.com/buyer-plan?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w41&utm_content=car-loan-steps

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

10/07/2026

Approved isn't closed. "Don't apply for any more credit than you absolutely need" is the CFPB's advice to home buyers, because new debt changes your debt-to-income and new applications can lower your score while your loan is in process. Hold off on new cards and financing until after closing, and talk to your loan officer before a job change or large deposit. Save this for when you're close.

Start here: https://clayhousemortgage.com/buyer-plan?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w41&utm_content=car-new-debt

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

10/06/2026

A Chapter 7 bankruptcy doesn't mean 7 years without a mortgage. FHA's standard wait is 2 years from the discharge (HUD Handbook 4000.1); conventional is 4 years, or 2 with documented extenuating circumstances (Fannie Mae Selling Guide B3-5.3-07). You also need re-established credit. See your exact dates with the free calculator on our Credit Help page.

Start here: https://clayhousemortgage.com/credit-help?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w41&utm_content=car-waiting-periods

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

10/05/2026

Your credit app and your mortgage lender are usually looking at different scores. Lenders pull all three bureaus and use the middle one, most often from older FICO versions built for mortgages. Before you pay anyone to "fix" your credit, find your real starting point and the score your loan needs. Free tools on our Credit Help page.

Start here: https://clayhousemortgage.com/credit-help?utm_source=facebook&utm_medium=social&utm_campaign=ch-2026w41&utm_content=car-myth-app-score

Clayhouse Mortgage · NMLS #2528999 · Logan Bowles NMLS #1760241 · Equal Housing Opportunity

Address

14045 Gleneagle Drive
Colorado Springs, CO
80921

Telephone

+17193237277

Website

http://Clayhousemortgage.com/

Alerts

Be the first to know and let us send you an email when Clayhouse Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Clayhouse Mortgage:

Want your business to be the top-listed finance company in Colorado Springs?