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Affordable Interest Mortgage - Powered By IMB We are a full-service residential mortgage brokerage company since 2001. We are locally owned and operated since 2001. There’s no obligation and no pressure.

Mortgage Brokerage Company since 2001, Colorado & Arizona * Mortgage Home Loans, Condo’s, Townhomes * 1st Time Home Buyer * Investment Property * Vacation Home * Down Payment Assistance * Cash Out Refinance * Consolidate Debt * Early Payoff * Lower Your Payment * Remodels & Additions * Conventional Loans * Asset Manager Liquid Loan * Government Loan: USDA, VA, FHA * Jumbo Loan * Reverse Mortgage * Fixed & Adjustable Rates * Flexible Loan Terms * Flexible Rate Lock Periods * Bank Statement Loan * Custom Mortgage

WHO WE ARE:
Affordable Interest Mortgage is a full-service residential mortgage brokerage company. We are the only Mortgage Brokerage company in Colorado that is a member of Tom Martino’s Referral List, Haystack Help Radio Referral List, and an A+ Accredited Business of the Better Business Bureau and Gold Star Recipient since 2004. WHAT WE DO:
We offer residential mortgage loan products and investment tools by a team of skilled, licensed, bonded, insured and certified Mortgage Loan Specialists who are dedicated to ensuring a personalized custom-fit for our client’s mortgage and investment loan needs. As a Colorado and Arizona Mortgage Brokerage Company, we represent a wide-ranging multitude of A+ rated lenders with first quality rates to private “hardship” lenders, including alternative lenders who can help finance a home even with blemishes on your credit. We excel at educating our clients on a variety of product offerings and applying our in-depth knowledge of the mortgage industry. With over two decades of experience in the mortgage brokerage industry, we can help you find a single- family home, townhouse, or condominium that fits your needs and goals. From arranging down payment assistance programs to keeping the entire process paperless, we have carved our position as one of the most efficient and effective mortgage brokerage company in Colorado and Arizona. Whether you are a first-time home buyer, wanting to refinance your existing home, or interested in an investment property loan, we would love the opportunity to provide our step-by-step guidance for buying or refinancing a property in Colorado or Arizona. OUR MORTGAGE LOAN PRODUCTS & INVESTMENT TOOLS:
We specialize in educating and guiding our clients to the best custom-fit residential mortgage loans utilizing a wide range of mortgage lending resources. Our Residential “Purchase” Mortgage Loans include:
Single Family Home, Townhome & Condo, First Time Home Buyer, Investment Property, Vacation Home, and Down Payment Assistance. Our Residential “Refinance” Mortgage Loans include:
Cash Out Refinance, Consolidating Debt, Early Payoff, Lowering Your Payment, Remodels & Additions. Our Comprehensive Residential “Loan Types” include:
Conventional Loan, Asset Manager Liquid Loan, Government Loans: USDA, VA, FHA, Jumbo Loan, Reverse Mortgage, Fixed & Adjustable Rates, Flexible Loan Terms, Flexible Rate Lock Periods, Bank Statement Loan, and Custom Mortgages. Affordable Interest Mortgage Features The Asset Manager Liquid Loan:
It is a Simple Interest Mortgage that many customers have never heard of yet it has been around since 1965 but did not come to the United States until 1999. The Asset Manager Liquid Loan is ideal for a variety of Colorado and Arizona homeowners. It’s a simple interest loan that helps you pay less interest and own your home faster without changing your current spending habits. In addition, you have access to your equity for 30 years. We have been one of only a few select Mortgage Brokerage Company’s offering this loan since 2007. We have hundreds of satisfied clients that have saved more money than they thought possible. If you are interested in learning how the loan works, call Kurt Rogers, Managing Broker of Affordable Interest Mortgage or any one of our Certified Mortgage Specialists. We can walk you through the loan with the help of a spreadsheet, which allows you to insert your own numbers and personalize the Asset Manager to your own household budget. Most people have a hard time believing how much can be saved in interest payments, and again, without changing any of your spending habits. Seeing your own budget numbers in action will make it clear if this loan product is right for you. We invite you to contact us and explore this amazing loan product (720) 895-0500. Visit our website at www.aimortgage.net. Affordable Interest Mortgage - Powered by IMB #2191655. NMLS 217147. Equal Opportunity Lender. Regulated by Division of Real Estate. MLO #100020228

On the 10/6/26 Your Money Matters Radio Show, we focused on First-Time Home Buyers — who they are, what qualifies them, ...
10/08/2026

On the 10/6/26 Your Money Matters Radio Show, we focused on First-Time Home Buyers — who they are, what qualifies them, and most importantly, how many options are actually available in today’s market.

Mortgage Insights – 10/6/26 - First-Time Home Buyers: What You Need to Know Before You Buy.

Listen to the full 10/6/26 episode here: https://www.haystackhelpradio.com/wp-content/uploads/2026/10/Haystack-10-06-26-REPEAT-Your-Money-Matters-Mortgage-Insights.mp3

Did you know over 31% of today’s buyers are first-time buyers? And historically, homeowners have a net worth dramatically higher than renters. Homeownership is still one of the most powerful wealth-building tools available.

Here’s what we covered:
What is a First-Time Home Buyer?
If you haven’t owned a home in the past 3 years, you may qualify.

Loan Options Available:
• Conventional – as little as 3% down
• FHA – 3.5% down, flexible credit & higher DTIs
• VA – 0% down for eligible veterans
• USDA – Zero down in eligible rural areas
• Non-QM – Bank statement & asset-based options for self-employed borrowers

There is no “one-loan-fits-all” anymore. Your goals, payment comfort, credit profile, and long-term strategy matter.

Down Payment Assistance (DPA)
There are over 2,000 assistance programs nationwide — city, county, state, and national options. Some offer 1–5% assistance, sometimes structured as a silent second mortgage. Income limits can apply.

Gift Funds? Yes.
Family gifts (not loans) and gift of equity may be allowed depending on the program.

Pre-Approval vs. Pre-Qualification
One of the most important takeaways: submit for a true Pre-Approval, not just a Pre-Qual. Know your payment, rate, APR, term, closing costs, and qualification guidelines before you shop.

Self-Employed Borrowers
We discussed how tax returns, depreciation, bank statements, and asset income are evaluated — and what alternative programs may be available.

As rates continue to move, preparation is everything. Whether you’re 6 months or 12 months out, the right strategy starts now. If you’re considering buying your first home, let’s build a plan that fits your goals.

Be sure to tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
(720) 895-0500 | www.aimortgage.net

🏡✨ First Time Home Buyer – Everything You Need to Know to Get Started ✨🏡 If you’ve owned a home in the last 3 years, yo...
10/08/2026

🏡✨ First Time Home Buyer – Everything You Need to Know to Get Started ✨🏡 If you’ve owned a home in the last 3 years, you may not qualify as a First-Time Home Buyer… but if you haven’t, you probably do! And you’re not alone.

Over 31% of buyers today are FTHBs, and that number continues to grow. Why? Because homeowners have a net worth that’s 44x greater than renters on average. That’s long-term wealth building. 💪

So what programs are available?
There is NO one-size-fits-all loan anymore.

🔹 Conventional Loans – As little as 3% down, up to 97% financing, options for primary homes, second homes, and even investment properties. Low mortgage insurance and sometimes appraisal waivers.

🔹 FHA Loans – 3.5% down, higher debt-to-income allowances, lower credit score flexibility, great for FTHBs. FHA also offers streamlined refinances and rehab loans up to $75,000 with up to 96–97% financing.

🔹 VA Loans – 0% down for eligible active-duty and veterans, higher DTIs allowed, lower rates, and IRRRL streamline options. Can even be used for multi-units.

🔹 USDA Loans – Zero down, lower rates, rural area eligibility, no traditional PMI.

🔹 Non-QM Options – Bank statement loans, asset-based income, rental income qualification — even options if you’re self-employed or don’t show traditional income on tax returns. Yes, credit still matters.

💰 Down Payment Assistance?
There are over 2,000 DPA programs nationwide (city, county, state, national). Assistance can range 1–5%, sometimes structured as a silent second — some repayable, some not. Income limits may apply.

🎁 Gift funds?
Yes! Family gifts (not loans) and even gift of equity are allowed — typically up to 6% depending on program.

Before shopping, here’s what I tell every FTHB:
✔️ Submit for a true Pre-Approval, not just a Pre-Qual
✔️ Know your payment, rate, APR, and term
✔️ Understand closing costs and whether there are mortgage points
✔️ Ask about minimum credit and income requirements
✔️ Review debt-to-income ratios, employment history, and credit history
✔️ Ask if there are prepayment penalties (rare, but ask!)

If you’re self-employed, lenders will review two years of tax returns, business accounts, and may allow alternative income like bank statements or asset income.

The process?
Initial application → Provide documentation → Get fully Pre-Approved → Shop with confidence. 🎯

Buying your first home is a big step — but with the right strategy and loan structure, it’s absolutely achievable.

If you’re thinking about purchasing, let’s build a plan that fits YOUR goals — payment, term, down payment, and long-term wealth strategy.

Homeownership is still one of the most powerful financial tools available. 🏠💙

Why Work with Affordable Interest Mortgage?

Here’s how we help our clients every day:

Conventional Loans – Great for buyers with strong credit, offering competitive rates and as little as 3% down.

FHA Loans – Ideal for first-time buyers, offering flexible credit, low down payments, and streamlined refinance options.

VA Loans – No down payment required and incredible benefits for our Veterans and active-duty service members.

USDA Loans – Perfect for buyers in rural areas, featuring zero down and low interest rates.

Non-QM & Specialty Loans – Designed for the self-employed or those with unique financial situations using bank statements, asset income, or rental income to qualify.

Refinances & Debt Consolidation – Lower your monthly payment, combine debts, and take control of your finances.

Investment & Second Homes – Flexible options for building wealth or enjoying that vacation getaway.

When you work with AIM, you get expert guidance, transparent communication, and competitive options.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
📞 (720) 895-0500
🌐 www.aimortgage.net

Mortgage Insights – 9/29/26 Highlights - On this week’s Your Money Matters Radio Show, I covered three key strategies th...
10/01/2026

Mortgage Insights – 9/29/26 Highlights - On this week’s Your Money Matters Radio Show, I covered three key strategies that can make a big difference in today’s market. 🏡

💰 Seller Concessions
In a buyer-friendly market, sellers may help cover:
✔️ Closing costs
✔️ Temporary or permanent rate buydowns
✔️ Repairs or upgrades
✔️ Even price reductions
The right strategy depends on whether lowering upfront cash, reducing payments, or increasing purchasing power matters most to you.

🌉 Bridge Loans
Need to buy before selling your current home? Bridge programs may allow you to:
✔️ Access equity for a down payment
✔️ Make stronger (even cash) offers
✔️ Purchase first and sell later

🏦 Loan Options Matter
Not all loans are the same. We discussed:
Conventional | FHA | VA | USDA | Non-QM
The best loan isn’t “one size fits all.” It’s the one that aligns with your goals, income, and long-term plans.

If you're buying, refinancing, or planning ahead for 2026, strategy matters. Let’s build the right mortgage plan for you.

🎧 Listen to the full 9/29/26 episode here: https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-29-26-REPEAT-Your-Money-Matters-Mortgage-Insights.mp3

🎙️ Tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate

📞 (720) 895-0500 | 🌐 www.aimortgage.net

🏡 Want to Buy a Home, But Think Mortgage Rates Are Too High? Let’s Look at the Bigger Picture - One of the things I hea...
09/23/2026

🏡 Want to Buy a Home, But Think Mortgage Rates Are Too High? Let’s Look at the Bigger Picture - One of the things I hear frequently from potential homebuyers is, “I want to buy, but I’m waiting for mortgage rates to come down.”

I completely understand. Your mortgage rate matters. But after helping people finance homes for many years, I also know that the rate is only one piece of the financial picture.

If you’re waiting for 6%, 5.5%, or some other magic number before making a move, I encourage you to look at what else may be happening while you wait.

Home values in Colorado have continued to appreciate. At the same time, today’s market is giving buyers something we haven’t always had, more inventory and potentially more motivated sellers. That can create opportunities to negotiate seller concessions toward closing costs or even a mortgage rate buydown.

💰 Could Seller Concessions Make a Bigger Difference?
We’re seeing situations where sellers may contribute $10,000–$20,000 in concessions. Depending on the loan and circumstances, those funds may be used to buy down the mortgage rate and potentially create meaningful monthly savings.

And don’t automatically assume you need 20% down to make the numbers work.

I recently showed a client how putting 17% down instead of 20% allowed us to use some of those available funds toward a rate buydown. Yes, it meant having monthly mortgage insurance temporarily, but in this particular situation, the overall strategy produced approximately $100 in net monthly savings.

That’s why I believe mortgage planning should be about much more than simply asking, “What’s the rate?”

🏠 Already Own Your Home? Your Equity May Be Part of the Conversation.

For homeowners, the strategy is different because there isn’t a seller concession available. But you may have something else: equity.

If you’re carrying high-interest credit card or other household debt, it may be worth evaluating whether your home equity could be used strategically to improve your overall monthly financial picture. That could mean accepting a higher mortgage rate while potentially reducing the total amount going out each month toward multiple debts.

Every homeowner and buyer is different. There is no one-size-fits-all mortgage strategy.

My job is to help you look beyond a single interest-rate number and understand how your down payment, available cash, seller concessions, equity, monthly payment and long-term goals can work together.

If you’ve been sitting on the sidelines because of rates, I’d be grateful for the opportunity to run the numbers with you. You may have more options than you realize.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
📞 (720) 895-0500 | 🌐 www.aimortgage.net

🎙️ Mortgage Insights – 9/22/26 Highlights - 🏡 How Are Today’s Mortgage Rates Affecting Home Purchases?On this week’s epi...
09/23/2026

🎙️ Mortgage Insights – 9/22/26 Highlights - 🏡 How Are Today’s Mortgage Rates Affecting Home Purchases?

On this week’s episode of Your Money Matters, I talked about one of the biggest questions I’m hearing from buyers right now: Should I wait for mortgage rates to come down before I buy a home?

I understand why many buyers are being cautious. But I also encourage people to remember that the interest rate is only one part of the equation when deciding whether it’s the right time to buy.

I looked at mortgage rates over the past five years and what those rates can actually mean for a 30-year mortgage. Waiting for a specific number—whether that’s 6%, 5.5%, or lower—could mean overlooking other opportunities available in today’s housing market.

🏠 Home appreciation matters, too.
Colorado home values have continued to appreciate, while buyers are now seeing more inventory and potentially more motivated sellers. That can create opportunities to negotiate seller concessions that may help with closing costs or a mortgage rate buydown.

For example, a seller concession of $10,000–$20,000 may provide an opportunity to reduce your mortgage rate and potentially save more each month than simply waiting for market rates to fall.

💰 What if you don’t have 20% to put down?
I also discussed why that doesn’t necessarily mean you should sit on the sidelines. In some situations, a slightly larger loan with mortgage insurance, combined with a rate buydown, may still create meaningful monthly savings.

🏡 And what about current homeowners?
Home appreciation and the equity you’ve accumulated may be another financial tool worth exploring. With household debt, credit-card interest rates, taxes and insurance putting pressure on monthly budgets, strategically using available home equity may potentially help reduce overall monthly debt obligations.

My biggest takeaway from this week’s show: Don’t focus only on the mortgage rate. Let’s look at the whole financial picture, your money, available seller concessions, your equity, financing options and, most importantly, your goals.

🎧 Listen to the full 9/22/26 episode here: https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-22-26-Your-Money-Matters-Mortgage-Insights.mp3

🎙️ Be sure to tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate

📞 (720) 895-0500 | 🌐 www.aimortgage.net

🏡 Reverse Mortgages: Let’s Bust the Biggest Myths 💥There is probably no mortgage product more misunderstood than the Rev...
09/16/2026

🏡 Reverse Mortgages: Let’s Bust the Biggest Myths 💥
There is probably no mortgage product more misunderstood than the Reverse Mortgage. When I talk to homeowners about it, most are cautiously optimistic… but concerned about using the equity in their home. For many, that equity represents their legacy. And I completely respect that. 🙌

But here’s the truth — much of the hesitation comes from outdated or misleading information.

Let’s clear a few things up:
❌ “The bank takes your home.”
❌ “My kids will owe money if the loan balance grows.”
❌ “You have to be desperate to get one.”
❌ “The costs are outrageous.”

None of those are accurate.

Reverse Mortgages are non-recourse loans, which means you or your estate will NEVER owe more than the home is worth. Period.
You also cannot lose your home as long as you:
✔️ Maintain the property
✔️ Pay your property taxes
✔️ Keep homeowners insurance current
✔️ Live in the home as your primary residence

That’s it. No monthly mortgage payments required.

And today’s programs? They’ve evolved. In many cases, costs are comparable to forward mortgages.

I’ve helped clients use Reverse Mortgages strategically — not out of desperation — but to:
💰 Eliminate existing mortgage payments
🏔 Pay off another property
📈 Create a growing line of credit for future needs
✈️ Travel or improve quality of life
🎓 Help family members

This is about flexibility and retirement planning — not giving up your home.

There’s even required third-party counseling (someone who does NOT work for the lender) to make sure you fully understand how everything works. I love that protection for my clients.

Why Work with Affordable Interest Mortgage?

At AIM, we don’t just handle Reverse Mortgages, we’re your one-stop mortgage resource with access to over 100 loan products and 42 competing lenders. That means we can match you with the best fit for your goals, not just the “standard” option.

Here’s how we help our clients every day:

(1) Conventional Loans – Great for buyers with strong credit, offering competitive rates and as little as 3% down.

(2) FHA Loans – Ideal for first-time buyers, offering flexible credit, low down payments, and streamlined refinance options.

(3) VA Loans – No down payment required and incredible benefits for our Veterans and active-duty service members.

(4) USDA Loans – Perfect for buyers in rural areas, featuring zero down and low interest rates.

(5) Non-QM & Specialty Loans – Designed for the self-employed or those with unique financial situations using bank statements, asset income, or rental income to qualify.

(6) Refinances & Debt Consolidation – Lower your monthly payment, combine debts, and take control of your finances.

(7) Investment & Second Homes – Flexible options for building wealth or enjoying that vacation getaway.

When you work with AIM, you get expert guidance, transparent communication, and competitive options designed to help you buy, refinance, or retire with confidence.

Whether you’re exploring a Reverse Mortgage or another creative solution, we’re here to help you unlock financial freedom and peace of mind.

If you’ve heard the myths, let’s have a real conversation. A Reverse Mortgage, when structured properly, can be a powerful tool — not a last resort.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate

📞 (720) 895-0500
🌐 www.aimortgage.net


🎙️ Mortgage Insights – 9/15/26 Highlights - On this week’s Your Money Matters Radio Show, we focused on Reverse Mortgage...
09/16/2026

🎙️ Mortgage Insights – 9/15/26 Highlights - On this week’s Your Money Matters Radio Show, we focused on Reverse Mortgages and separating facts from fiction. Mike Genova with our AIM team, joined as my guest. 🏡

💡 Clearing Up Misconceptions
Many homeowners see their equity as their legacy — and that’s understandable. But we discussed some common myths:
✔️ The bank takes your home
✔️ Your heirs owe money if the balance exceeds the value
✔️ Reverse Mortgages are only for those in financial distress
Reverse Mortgages are non-recourse loans, meaning neither you nor your estate owe more than the home’s value.

🔐 How You Stay Protected
You cannot lose your home as long as you:
✔️ Maintain the property
✔️ Pay property taxes and homeowners insurance
✔️ Live in the home as your primary residence
These protections are clearly outlined in your loan documents.

📈 Strategic Retirement Planning Tool
Reverse Mortgages today can:
✔️ Eliminate existing mortgage payments
✔️ Create a growing line of credit
✔️ Improve monthly cash flow
✔️ Help fund retirement goals or unexpected expenses
When structured properly, this can be a powerful financial strategy — not a last resort.

If you’re exploring retirement options or simply want clarity, let’s have the conversation.

🎧 Listen to the full 9/15/26 episode here:
https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-15-26-REPEAT-Your-Money-Matters-Mortgage-Insights.mp3

🎙️ Be sure to tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
📞 (720) 895-0500 | 🌐 www.aimortgage.net

🏡 The Mortgage Is Only Part of the Story: What Every Homebuyer Should Know 💰If you currently own a home, or you’re think...
09/15/2026

🏡 The Mortgage Is Only Part of the Story: What Every Homebuyer Should Know 💰

If you currently own a home, or you’re thinking about purchasing one, there are several important factors you need to understand before choosing a mortgage. One of the biggest misconceptions I see is people focusing only on the interest rate. While rates absolutely matter, the right mortgage decision involves much more than simply finding the lowest number advertised online.

Today’s mortgage market offers more loan options than ever before, and every borrower’s situation is different. That’s why I always encourage my clients to focus on choosing the loan program that best supports their long-term financial goals, monthly payment comfort, and future plans.

There are many different types of loan programs available today, including Conventional, FHA, VA, USDA, Non-QM, DSCR, Reverse Mortgages, Bridge Loans, Rehab Loans, Adjustable-Rate Mortgages, and First-Time Homebuyer programs. Some loans are government-backed, while others are designed specifically for self-employed borrowers, investors, or people with unique income situations.

The key question is not simply, “What’s the lowest rate?”
The better question is: “What loan works best for MY situation?”
For some borrowers, a lower payment may be the priority. Others may want lower upfront costs, a shorter loan term, or more flexibility with future refinancing opportunities.

Some buyers plan to stay in the home for decades, while others may only stay a few years. All of these factors matter when selecting a loan.

Mortgage rates themselves are also determined by several important factors, including:
✔️ Your FICO score
✔️ Loan-to-value ratio (LTV)
✔️ Loan type
✔️ Property type
✔️ Loan term
✔️ Debt-to-income ratio

Maintaining strong credit can make a significant difference in both approval options and long-term savings. Even a modest improvement in your credit score can potentially save thousands of dollars over the life of a loan.

I also spend a lot of time educating clients about why homeownership continues to be one of the most powerful long-term financial tools available. Most people are already paying to live somewhere each month. The difference with homeownership is that you are building equity, creating stability, and investing in something that may appreciate over time.

A home is more than just a financial investment, it becomes the place where memories are made and futures are built.

Want to know more about Buydowns and the “All In One Loan” concept, which may help improve monthly cash flow and provide greater financial flexibility depending on your goals – I can help! Call me!

At the end of the day, there is no one-size-fits-all mortgage solution anymore. The best loan is the one that aligns with your financial picture, your comfort level, and your long-term plans.
If you have questions about purchasing, refinancing, or simply understanding your options better, I’m always happy to help guide you through the process.

🎙️ Be sure and tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
📞 (720) 895-0500 | 🌐 www.aimortgage.net

🏡 Mortgage Insights: Choosing the RIGHT Mortgage for Your Goals 💰🔑 Your Money Matters Radio Show: 9/8/26 – On this episo...
09/15/2026

🏡 Mortgage Insights: Choosing the RIGHT Mortgage for Your Goals 💰🔑 Your Money Matters Radio Show: 9/8/26 – On this episode, I tackled one of the most important parts of the homebuying journey… understanding which mortgage loan program is truly the best fit for YOU. 🎙️

There are more loan options available today than ever before, and choosing the right one is about much more than simply chasing the lowest interest rate.

💡 Here are a few highlights from the show:
• The differences between Conventional, FHA, VA, USDA, and Non-QM loan programs
• How DSCR loans, Reverse Mortgages, Bridge Loans, and Rehab Financing may create unique opportunities
• Why your long-term goals matter just as much as the interest rate
• How your FICO score, debt-to-income ratio, and loan-to-value impact your financing options
• Why monthly payment comfort and total loan costs should guide your decision-making
• The importance of building and maintaining strong credit
• How homeownership helps build long-term wealth, equity, stability, and lasting memories
• Strategies like buydowns and the “All In One Loan” concept that may improve cash flow and financial flexibility

We also discussed why there is no such thing as a “one-size-fits-all” mortgage solution anymore. Every buyer’s financial picture, timeline, and goals are different, and having the right guidance can make all the difference.

🎯 Bottom line: The best mortgage is the one that supports YOUR financial goals both today and long term.

🎧 Listen to the full 9/8/26 episode here: https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-08-26-REPEAT-Your-Money-Matters-Mortgage-Insights.mp3

🎙️ Tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
📞 (720) 895-0500 | 🌐 www.aimortgage.net

Mortgage Insights: Rates Are Moving… What Should You Do? 📉📈Your Money Matters Radio Show: 9/1/26 - on this episode, I do...
09/03/2026

Mortgage Insights: Rates Are Moving… What Should You Do? 📉📈
Your Money Matters Radio Show: 9/1/26 - on this episode, I dove into one of the biggest questions I’m getting right now—what’s really going on with interest rates? 🎙️

The reality is… rates have been on a bit of a rollercoaster 🎢—and I expect that to continue for the next 12–18 months.
So instead of trying to perfectly time the market, we talked about what really matters when making a move.

💡 Here are a few highlights from today’s show:
• What actually drives mortgage rates (hint: it’s not just the Fed!)
• Why the housing market plays a major role in the overall economy
• The key question you should be asking: “Where does the rate need to be for MY situation?”
• How to determine what you can truly afford (and avoid becoming “mortgage poor”)
• Why your total payment—not just rate—matters most (PITI + possible HOA)
• How your credit score, loan type, and financial profile all impact your rate
• Why even a small credit score improvement can save you thousands over time

We also touched on smart planning strategies—like understanding closing costs, down payment options (as low as 3%), and how much equity you may be able to access in a refinance.

📊 And of course, we covered the importance of getting properly pre-approved so you can make confident, informed decisions in today’s market.

🎯 Bottom line: Don’t get stuck chasing rates, focus on what works best for your financial goals right now.

🎧 Listen to the full 9/1/26 episode here: https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-01-26-REPEAT-Your-Money-Matters-Mortgage-Insights.mp3

🎙️ Tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.

With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
📞 (720) 895-0500 | 🌐 www.aimortgage.net

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