Aaron Nakamura, Sr. Mortgage Loan Officer NMLS #271638

10/22/2026

Perfect for a cold Colorado day like today! Get yours before it's gone!

Today’s special: Chicken long rice

10/16/2026

Choosing between a 15-year and 30-year mortgage is about more than how quickly you want to pay off your home.

A shorter term can save you interest, but higher monthly payments may leave less room for savings, investments, and other priorities.

A longer term typically offers lower payments and more flexibility. I can help you compare monthly payments and long-term costs to find the option that best fits your financial goals.

Have questions? Send me a message – I’m happy to help you explore your options!

Equal Opportunity Housing
NMLS #271638, 3029

10/09/2026

The purchase price isn’t the only part of an offer that can be negotiated.

Depending on the market and transaction, buyers may be able to negotiate seller contributions toward closing costs or a rate buydown, request repairs, or negotiate other terms to make the purchase more manageable.

I can help you build a strategy that fits your goals. Have questions? Send me a message – I’m happy to help you understand your options.

Equal Housing Opportunity
NMLS #271638,3029

08/21/2026

Discount points mean paying more upfront for a lower interest rate.

For some homeowners, the long-term savings make sense; for others, keeping cash available for a down payment, repairs, or other priorities may be better.

The right choice depends on your goals, timeline, and how long you’ll keep the mortgage.

I can help you compare the costs and find the strategy that fits your situation. Have questions? Send me a message – I’m happy to help!

Equal Opportunity Housing
NMLS #271638, 3029

08/14/2026

A common misconception is that you need perfect credit to buy a home.

The reality?

Different loan programs have different credit requirements, and your credit score is just one piece of the puzzle. Lenders may also consider your income, debt, employment history, down payment, and overall financial picture when evaluating your loan options.

Have questions about your situation? Send me a message. I’m happy to help you understand your options.

Equal Housing Opportunity
NMLS #271638, 3029

07/31/2026

Buying a home? Once you're under contract, it's important to keep your finances steady until closing.

Avoid opening new credit accounts, financing large purchases, or increasing your credit card balances, as these changes could impact your loan approval.

Equal Housing Opportunity
NMLS #271638, 3029

07/17/2026

Saving for a down payment can feel overwhelming, which is why many buyers are happy to learn that gift funds may be an option to help with that cost.

The rules vary by loan program, occupancy type, and source of the funds, and proper documentation is important, so it’s helpful to understand the guidelines early in the process.

If you're wondering whether gift funds could work for your situation, reach out to me or drop your questions below. I'm always happy to help.

Equal Housing Opportunity
NMLS #271638, 3029

07/10/2026

Thinking about changing jobs before buying a home? It may not affect your mortgage as much as you think. Lenders typically look at your overall employment history and income stability, not just how long you've been with your current employer. In many cases, moving to a higher-paying job in the same field won't derail your home financing plans.

Have questions about your situation? Send me a message – I'm here to help.

Equal Housing Opportunity
NMLS # 271638, 3029

06/12/2026

Many buyers wait for a "better" time to buy, but housing markets don’t always move as expected. A lower home price can help affordability, but higher interest rates may increase monthly payments enough to offset those savings. At the same time, rising home values and limited inventory can make homes more expensive over time, while waiting may mean missing out on equity growth.

Instead of trying to perfectly time the market, focus on whether buying makes sense for your finances, timeline, and long-term goals today.

Contact me so that I can help you evaluate your options and create a strategy that fits your needs.

Equal Housing Opportunity
NMLS #271638

06/08/2026

When you buy a home, you're buying more than just a place to live. Investing in real estate turns your monthly housing cost into ownership, where each payment builds equity and strengthens your financial position over time through payoff and potential appreciation.

For buyers, it’s a shift from paying rent to building long-term wealth with every payment.

Questions about how to get started? Reach out and I can help you build a plan that fits your goals.

Equal Housing Opportunity
NMLS #271638, 3029