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Cory Bohman NMLS #1758461

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Cory Bohman NMLS #1758461

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FIMC NMLS #181106, Equal Housing Opportunity

10/29/2026

There's a question I hear a lot, usually with an apology attached: "Sorry, this might be a dumb question, but..."

It's never a dumb question. And you never need to apologize for asking one.

Is this a good time to buy? Can I afford this payment? What even is escrow? Every single one is worth asking, and the answer is part of your plan, not a detour from it.

Nobody hands you a script when you start this process. You're expected to make one of the biggest financial decisions of your life while learning the language as you go. Feeling unsure about some of it isn't a flaw. It's the honest starting point for everyone.

So ask. Early, often, and before you've talked yourself out of it. My job isn't to push people into homes. My job is to help them make good decisions, and good decisions start with real answers.

You don't need all the answers. Just direction. We'll take it step by step.

Cory Bohman, NMLS #1758461 | Mortgages by Cory Powered by Xpert Home Lending Inc., NMLS #2179191
Licensed in Colorado | 303-667-6724 | Equal Housing Opportunity

10/28/2026

You've probably seen the headline by now. Rates finally dipped, and after seven straight weeks of climbing, it's a welcome sight.

Freddie Mac reported the 30-year fixed at 7.32% for the week ending Oct. 22, down from 7.40%. It's the first decline since late August, and it's fine to feel a little lighter reading it.

Here's the part I'd gently hold onto: one week of data isn't a trend. Nobody knows yet whether this is the start of something or a pause. What I do know is what separates the buyers who can act from the ones still waiting to feel ready, and it isn't guessing the market.

They checked their credit. They set a comfortable budget. They got pre-approved. So when their number shows up, they can move while everyone else is still reading headlines.

If you've been waiting for a sign, this might be one. Or it might be a blip. Either way, being prepared costs you nothing. Let me run the numbers, and we'll figure this out.

Not pressure. Just clarity.

Cory Bohman | NMLS #1758461 | Mortgages by Cory Powered by Xpert Home Lending Inc. | NMLS #2179191 | Licensed in Colorado | 303-667-6724 | Equal Housing Opportunity.

10/27/2026

An old credit score can make it tempting to count yourself out before you even ask. I understand why. That number can feel like a closed door.

For FHA Title II forward case numbers assigned on or after January 1, 2027, FHA will accept FICO 10T and VantageScore 4.0 alongside Classic FICO. Lenders will have more choice in which score models they use.

The FHA thresholds are not changing: below 500 remains ineligible; 500 to 579 means a higher down payment, with a 90% maximum LTV; and 580 and above remains eligible for maximum financing.

So an old score, or an old rule of thumb, may not tell the whole story. You don't need all the answers. Just direction. Let's check what options may fit your situation.

Cory Bohman | NMLS #1758461 | Mortgages by Cory Powered by Xpert Home Lending Inc. | NMLS #2179191 | Licensed in Colorado | 303-667-6724 | Equal Housing Opportunity.

10/22/2026

Comparing mortgage offers can feel like trying to solve a puzzle while worrying about making the “wrong” choice. If that’s where you are, it makes sense to feel uncertain. There’s more to weigh than the headline rate.

A calm side-by-side look can help you understand the full cost, the loan terms, and whether each option fits your plans and comfort level. You deserve time to ask questions and be heard, not rushed toward a decision.

We’ll take it step by step.

Cory Bohman, NMLS #1758461
Mortgages by Cory Powered by Xpert Home Lending Inc., NMLS #2179191
Licensed in Colorado | 303-667-6724
Equal Housing Opportunity

10/22/2026

Talking about a reverse mortgage can feel uncomfortable, especially if you're worried about being pressured. That feeling deserves respect. A conversation is not a commitment, and deciding it isn't right for you is an option, too.

A reverse mortgage is a specialized loan for eligible homeowners age 62 and older. It isn't for everyone. Borrowers still need to pay property taxes and homeowners insurance and keep up the home. The borrower, or their heirs, also needs a plan for the home later. The loan generally becomes due when the last borrower permanently moves out, sells, or passes away.

If you're just trying to understand your options, we can take it step by step. No pressure. Just clarity.

This material is not from HUD or FHA and was not approved by HUD, FHA, or any government agency.

Cory Bohman | NMLS #1758461 | Mortgages by Cory Powered by Xpert Home Lending Inc. | NMLS #2179191 | Licensed in Colorado | 303-667-6724 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | Lender www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2179191

10/21/2026

Your 3% mortgage is a gift. Your equity is the toolbox. 🧰🏡

If you need funds for renovations or debt consolidation, a cash-out refinance could mean replacing a low-rate first mortgage with a higher-rate one. But refinancing isn’t the only option to explore.

A HELOC or second mortgage may let you access some of your home’s equity while keeping your first mortgage in place. Each option has its own rates, costs, and terms, so it’s worth comparing what fits your goals.

Home-equity borrowing is on the rise, and for good reason: homeowners are looking for ways to put their equity to work without automatically giving up a favorable first-mortgage rate.

I’m an independent broker with 25+ years of experience, and I can shop multiple lenders to help Denver Metro and Highlands Ranch homeowners compare options. No pressure, just a clear look at the toolbox. 😊

Cory Bohman | NMLS #1758461 | Mortgages by Cory Powered by Xpert Home Lending Inc. | NMLS #2179191 | Licensed in Colorado | 303-667-6724 | Equal Housing Opportunity.

10/20/2026

If an FHA loan is on your list, one number worth knowing: HUD's 2026 limit for a one-unit home in Denver County is $862,500.

A loan limit is the maximum FHA loan amount for an area, not a target to borrow toward and not a promise of approval. Limits also change by county and by the number of units in the home, so the figure that applies is the one tied to the specific property.

If this raises questions about your own price range, we can walk through it together. You don't need all the answers. Just direction.

HUD source: https://www.hud.gov/news/hud-no-25-145

Cory Bohman, NMLS #1758461
Mortgages by Cory Powered by Xpert Home Lending Inc., NMLS #2179191
Licensed in Colorado | 303-667-6724
Equal Housing Opportunity

10/20/2026

A loan limit can sound like a price cap, but it isn’t.

For 2026, the FHA one-unit loan limit in Denver County is $862,500. That’s the maximum FHA loan amount allowed for a one-unit home in the county, not a home-price ceiling, a loan approval, or a recommendation about how much to borrow. What you may qualify for depends on your finances, and FHA limits vary by county and number of units.

If an FHA loan is part of your homebuying plan, this limit is one piece of the picture. Let me run the numbers with you so you can understand how your options fit your budget. No need to feel overwhelmed, I'll hold your hand through each step. We'll figure this out, one step at a time.

Source: https://www.hud.gov/news/hud-no-25-145

Cory Bohman, NMLS #1758461
Mortgages by Cory Powered by Xpert Home Lending Inc., NMLS #2179191
Licensed in Colorado | 303-667-6724
Equal Housing Opportunity

10/15/2026

Feeling priced out in Colorado? You’re not alone.
More than 3 in 10 Colorado listings had a price cut in August. The highest share of any state, according to Colorado Public Radio’s analysis.
In Denver, the share was about 36%.

A price cut doesn’t mean a home is broken.
It can mean the seller is ready for a real conversation.
Negotiating power isn’t just something you wait for; it’s something you can use.

A reduced price, seller credits, and a loan structure that fits your situation may all be worth discussing.
The listing price and the monthly payment are two different conversations.
Rates just crossed 7%, so let me run the numbers with you before you decide what’s possible.

Cory Bohman | NMLS #1758461 | Mortgages by Cory Powered by Xpert Home Lending Inc. | NMLS #2179191 | Licensed in Colorado | 303-667-6724 | Equal Housing Opportunity.

10/14/2026

That first call can be the hardest part.

Sometimes the words are: “I’m not sure I can do this.” Saying it out loud can feel vulnerable. And it makes sense. Buying a home is a big decision, especially when you don’t yet know what the numbers might look like.

Being unsure doesn’t mean you’re not ready. It can be where good decisions start: with honest questions, a clear look at your options, and a plan that fits your life.

Let me run the numbers. You don’t need all the answers, just direction.

If this feels familiar, that first conversation is a fine place to start. No pressure. Just clarity.

Cory Bohman | NMLS #1758461 | Mortgages by Cory Powered by Xpert Home Lending Inc. | NMLS #2179191 | Licensed in Colorado | 303-667-6724 | Equal Housing Opportunity.

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Denver, CO

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm
Sunday	9am - 5pm

Telephone

+13036676724

Website

http://www.MortgagesbyCory.com/

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