Columbine Mortgage LLC

09/03/2026

Wonder how many were working with the builder’s affiliated lender?

The nation's largest homebuilder is fending off accusations that it misled home buyers on their escrow estimates and sad

09/02/2026

Why YES we believe the glass is half full in this housing market!

What some people hear:
-The market is slow
-Rates are high
-Bad time to buy

What we hear:
+More negotiating power for buyers
+Market coming into balance
+Less competition for buyers
+Seller concessions
+Building home equity and long term wealth instead of building that for your landlord

08/31/2026

When a home sale contract does not close, there are usually a few primary reasons:

The BIG one: Inspection or Repair issues that are flagged. The buyer can push back and ask for the repairs to be completed or a credit to complete the repairs themselves. They may ask for a price reduction. If an agreement on the inspection/repair issues is not made, the buyer may walk away. This represents roughly 70% of why home sales fall through.

Other issues include:
The buyers current home did not sell
A change in the buyers financial situation

08/29/2026

Happy Satur-YAY Friends! We are kicking this beautiful day off with a 5🌟 Review! Cheers to Pam and her exceptionally happy clients! 🥂💜

"We are so glad we worked with Pam for our mortgage! So was so easy to work with, quick to respond, and was very knowledgeable. She advocated for us to get a great deal on our home. We’ve worked with a couple mortgage brokers now and this is the best experience we’ve had." -- Kori Paige E,

08/27/2026

When making one of the BIGGEST financial decisions of your life, you should have a team proactively advocating and working toward you financial goals. From the Columbine Team you can expect:

--We will have an initial discovery conversation to learn about you and then help you understand all of your options so you can make a financing decision that meets both your short and long term goals.
--Communicate proactively throughout the process.
--Advocate on your behalf to help you get your offer accepted.
--Being available!!!!
--As a mortgage broker we have a suite of lenders and can shop to find you the best rate possible.

Ask yourself this...will an on-line lender provide you with this kind of service for one of your most important financial decisions?!?

Give us a call today to get started!

08/24/2026

It is back to school time... If you are one of those families wishing you were in a different school district, this message is for you....

A conversation this month puts you on track to close before the holidays and start 2027 in your new neighborhood..

Give us a call to get started today!

08/21/2026

We work wi.th many first time homebuyers and these are some things we see that can create unnecessary stress:
--Falling in love with a home before knowing their budget and getting pre-approved.
--Trusting an on-line calculator for a monthly payment estimate.
--Comparing yourself to people who bought in 2020.
--Focusing only on the purchase price versus the monthly payment.
--Waiting for lower rates when rates have been roughly 6.5% or higher the last 4 years.
--Using the maximum approval amount as a shopping budget.

The BEST first step is contacting a lending professional. Give us a call--we can get you pre-approved, learn what your present and future goals are and structure a financing plan for your specific needs.

08/19/2026

Have you been wondering what type of home a buyer is willing to pay more for? Think of that spare room on the main floor, or the finished basement with a kitchenette and its own entrance. The bonus room you added to your garage.

The number of multi-generational households is climbing, and each year more people are searching for a home that can meet combined needs. More people are also looking to rent separated space within their home to generate income. If you are considering selling, these types of rooms and spaces (or the potential for it!) are great to showcase to help your home appeal to a growing amount of buyers. It is always a good idea to consult with a real estate professional to understand the value of these spaces in your market.

08/17/2026

It's back to school time, and anyone with a college student understands the high costs of student housing. Consider using your home equity to purchase student housing---it creates housing for your student and a real estate investment vehicle.

Reach out to a team member to learn more!

08/14/2026

How long are you willing to wait on rates before purchasing a home? Mortgage rates have been in the mid to high 6% range since 2023. What rate are you waiting for???

Let's do the math:
$1,800/ month in rent year 1 = $21,000
$1,800/ month in rent year 2= $43,200
$1,800/month in rent year 3 = $64,800

The time spent waiting is home equity lost through home appreciation while funding your landlord's retirement plan.

Reach out to chat numbers. We can create a customized plan based on your unique situation.