Justin Borvansky NMLS #640487

Justin Borvansky NMLS #640487 I welcome the opportunity to earn your home loan business, whether you're purchasing or refinancing Reach out at any tim

I would welcome the opportunity to earn your home loan business, whether you're purchasing a new home or refinancing a existing loan.

Looking for new opportunities to grow your business. Join me on August 26th at Pindustry in the Tech Center from 4pm-6:3...
08/24/2026

Looking for new opportunities to grow your business. Join me on August 26th at Pindustry in the Tech Center from 4pm-6:30pm

07/18/2026

Imagine your child saying they want to go to Harvard. If you've planned early, you can make that dream a reality. Without it, affording any out-of-state tuition becomes a significant stressor. Early planning ensures you can provide the opportunities they deserve.

07/13/2026

Discover how investors are buying properties using DSCR loans, where only the property's cash flow matters. Forget tax returns – lenders focus on rent vs. mortgage. Learn how this can help you build a portfolio, even without a traditional job.

Not all Loan Offciers/Realtors are created equal.These buyers came to me after spending months getting nowhere with anot...
05/20/2026

Not all Loan Offciers/Realtors are created equal.
These buyers came to me after spending months getting nowhere with another lender. No clear answers. No real education. No strategy. Just delays and confusion about why they couldn't get preapproved.
Thankfully, they were connected to me through Olivia, and everything changed quickly. We were able to structure a strong pre-approval fast, create a game plan, and position them competitively in the market.
We were even able to secure $15,000 for a temporary buydown and closing costs, helping make the payment significantly more affordable upfront.
The right lender doesn’t just quote a rate.
The right lender helps you get to the finish line.
Communication, strategy, speed, and education matter more than ever in today’s market.
Huge thanks to Olivia for the connection and congratulations to these buyers for sticking with the process and getting into a home before their upcoming wedding this fall.

Student loans don’t automatically disqualify you from buying a home. One of the biggest misconceptions I hear is:“I can’...
05/13/2026

Student loans don’t automatically disqualify you from buying a home. One of the biggest misconceptions I hear is:
“I can’t qualify because of my student debt.”

The truth is — how student loans are calculated for mortgage qualification depends on the loan program. And in many cases, the payment used for qualifying may be far lower than borrowers expect.

Here’s a quick breakdown:

• Conventional / FNMA → May allow a $0 payment if properly documented under an income-driven repayment plan
• FHLMC / FHA / USDA → Often use 0.50% of the balance or the documented payment, whichever is lower
• VA Loans → Typically use 5% of the balance divided by 12, with some exceptions for deferred loans

That difference can have a major impact on:
✔️ Debt-to-income ratio
✔️ Buying power
✔️ Loan approval options
✔️ Monthly affordability

I’ve worked with many clients who assumed they needed to wait years before purchasing a home — only to discover they already qualified with the right strategy and loan structure.

If student loans have been holding you back from exploring homeownership, it’s worth having a conversation before ruling yourself out.There are often more options available than people realize.

We received an ACE +PDR Appraisal for a home loan my team is working on. Most people know what a PIW- appraisal waiver(V...
05/03/2026

We received an ACE +PDR Appraisal for a home loan my team is working on. Most people know what a PIW- appraisal waiver(Value Accepted) and a full appraisal but what's an ACE+PDR Appraisal? Let's break it down!

An ACE + PDR appraisal is a modern, hybrid approach to valuing a home that combines automation with a targeted property inspection. It’s becoming more common in conventional lending—especially with loans backed by Fannie Mae.
ACE = Appraisal Waiver (Automated Collateral Evaluation)
This is an automated valuation from Fannie Mae’s system.
It uses data, prior appraisals, and market analytics to determine value.
If the system is confident enough, it can waive the need for a traditional appraisal.
PDR = Property Data Report
Even when ACE is triggered, the lender may still require a third-party inspection.
A trained inspector (not a licensed appraiser) visits the property to collect:
Photos (interior & exterior)
Room count, condition, upgrades
This data is fed back into the system to support the valuation.
The system says: “We’re comfortable with the value (ACE), but we want to verify the property condition (PDR).”
So instead of a full appraisal, you get a lighter, faster, and often cheaper process.
Less subjectivity (more data-driven
Still maintains a level of risk control
It’s not a full appraisal with comps and an appraiser’s opinion of value
It’s not available on every loan (depends on borrower profile, LTV, and property type)
Think of ACE + PDR as a “verify, don’t fully appraise” approach—leveraging data first, then confirming the property condition without sending out a traditional appraiser.

📊 Colorado Housing Market Snapshot – March 2026The latest data is in, and the Colorado market continues to show a balanc...
04/17/2026

📊 Colorado Housing Market Snapshot – March 2026

The latest data is in, and the Colorado market continues to show a balanced but shifting landscape.

Here’s what stands out:

🏡 Prices Holding (with slight softening)

Median price (all property types): $545,000 ⬇️ (-0.9% YoY)

Single-family: $575,000 ⬇️ (-0.9%)

Condos/Townhomes: $407,000 ⬇️ (-0.7%)

📦 Inventory & Activity Trends

Months supply: 3.5 months ⬇️ (tightening slightly)

Active inventory: down across all categories

New listings: +0.8% YoY

Pending sales: +2.7% YoY

⏳ Market Pace

Avg days on market: 82 days ⬆️

Sellers receiving: 98.7% of list price (still strong)

📈 What This Means:
We’re seeing a market that’s:

Stabilizing on price

Still competitive for sellers

Offering more opportunity for buyers than the frenzy years

This isn’t 2021… but it’s not a buyer’s market either.

👉 The biggest takeaway:
Strategy matters more than timing.

Whether you're buying, selling, or just trying to make sense of it all — understanding these trends is where the real advantage is.

If you want a breakdown specific to your situation (or how to win in this market), I’m always happy to help.

📩 Let’s connect.

“I’m just going to wait for rates to drop…”Sounds smart… until you actually run the numbers.On a $750,000 purchase price...
04/08/2026

“I’m just going to wait for rates to drop…”
Sounds smart… until you actually run the numbers.
On a $750,000 purchase price with 20% down.
Waiting for a 0.25% drop = about $49/month
Even a 0.50% drop = roughly $98/month
A full 0.75% drop = about $146/month
👉 Meanwhile, what happens if home prices move up 3–5% while you’re waiting?
You could end up paying $20K–$40K+ more for the same house… just to save less than $150/month.
The real question isn’t “Will rates drop?”
It’s 👉 “What’s the cost of waiting vs. acting?”
Because you can always:
✔ Refinance later
✔ Gain equity sooner
✔ Lock in a home you actually want
But you can’t go back and buy at yesterday’s price.
💬 Curious what this looks like for your situation? Let’s run the numbers.

Address

1320 S. Garfield Street
Denver, CO
80210

Opening Hours

Monday 8am - 6:30pm
Tuesday 8am - 6:30pm
Wednesday 8am - 6:30pm
Thursday 8am - 6:30pm
Friday 8am - 6:30pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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