Kim Beirne - The Rueth Team fueled by CrossCountry Mortgage

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Kim Beirne - The Rueth Team fueled by CrossCountry Mortgage Northern Colorado Mortgage Lender | NMLS #243188 | Education, solutions & lending for life. Hawaiian roots. Colorado proud. NMLS Number: 243188
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How Builder Rate Incentives Can Make a Difference 🏡Some homebuilders offer reduced mortgage rates to help make new homes...
10/24/2026

How Builder Rate Incentives Can Make a Difference 🏡
Some homebuilders offer reduced mortgage rates to help make new homes more affordable.

These incentives can lower monthly payments, but the savings depend on the loan terms and your financial situation.

Before committing, compare the builder’s offer with other financing options and ask about the long-term costs.

The lowest rate isn’t always the best overall deal.

My goal is to help you understand your options and choose a financing strategy that fits your budget and homeownership goals.


https://www.housing-trends.com/agent-news/kim-beirne/2083705-How-Lower-New-Construction-Loan-Rates-Are-Affecting-New-Home

How to Choose a Mortgage Lender (2026)Navigating the world of mortgage lenders can feel overwhelming, but clarity and co...
10/23/2026

How to Choose a Mortgage Lender (2026)
Navigating the world of mortgage lenders can feel overwhelming, but clarity and confidence make all the difference. When comparing your options, I always recommend requesting written Loan Estimates from multiple lenders—this allows you to see rates, fees, and terms side by side. Pay attention to the different lender types, available loan programs, and whether you’re more comfortable with a fixed or adjustable rate. Beyond the numbers, look for clear communication, transparency in terms, and a lender who’s committed to reliable timelines from application through closing. As someone who believes a mortgage is more than just a loan—it's a step toward your financial future—I strive to make every client’s financing experience personal, straightforward, and empowering.


https://www.housing-trends.com/agent-news/kim-beirne/2138840-How-to-Choose-a-Mortgage-Lender-%282026%29

10/22/2026

60% Prefer Co-Buying to Waiting Alone
As someone who helps Colorado homebuyers find their best path forward, I’m always watching for shifts in how people approach homeownership. A recent national survey really caught my attention: 60% of Americans would rather co-buy half a home now than stay renters until solo ownership is possible. Unsurprisingly, affordability leads the way—94% pointed to reasons like splitting monthly mortgage payments, sharing the down payment, or being able to access a home that might otherwise be out of reach.

What stands out to me is how co-buying isn’t just about finances. Family is the most common co-buyer, with 68% open to teaming up with relatives, but younger and lower-income folks are also embracing the idea of buying with friends. Nearly all prospective co-buyers want written agreements to clearly outline payment and exit terms—which is such a smart way to set everyone up for success. Interestingly, 29% are leveraging non-traditional down payment sources, and there’s real value in having a lending partner who can help navigate these options.

Perhaps most telling: 61% see co-buying with friends or family as a commitment on par with marriage, and half believe it could help prevent feeling alone later in life. For anyone considering a shared purchase, it’s worth knowing your options and making sure you’re set up for both partnership and long-term stability.

10/21/2026

Homebuyers Can Shape Their Mortgage Rate
Your mortgage rate isn’t just a number—it’s a reflection of the choices and preparation you put into your homebuying journey. A recent analysis of 1.35 million U.S. purchase loans (Early-Q1 2023 to Late-Q4 2025) reveals just how much control borrowers can have. Even within the same month, the middle 80% of buyers saw rates vary by 93 basis points—a difference that could mean roughly $28,400 in home price for someone budgeting $2,000 a month.

What made the biggest impact? Credit score. Boosting your score from the high 600s to 720 didn’t just improve your options; it opened doors to better pricing, with key milestones at 700 and 720. Shopping around matters, too—a highly competitive lender beat the typical one by 19 basis points, worth about $5,800. And while putting 20% down didn’t dramatically lower the rate (just 0.7 basis points), it did help avoid mortgage insurance, which often brings more meaningful savings.

As a mortgage professional who values a personal approach and clear guidance, I’m always here to help you understand what shapes your rate. Empowering you with knowledge is what makes the process smoother—and positions you to make confident decisions for your future.

10/20/2026

How FHA loans make owning a home more accessible to some buyers
One of the ways I help Colorado homebuyers explore their path to homeownership is by clarifying how different loan options work—including FHA loans. These loans can open doors for buyers who have lower credit scores or limited savings, requiring as little as 3.5% down. While FHA loans offer a chance at homeownership for many who might otherwise feel shut out, they do come with important considerations: mortgage insurance premiums, property and loan limits, and the possibility of higher long-term costs compared to conventional loans. My role is to ensure you understand these details, so you can make informed decisions that support your financial goals and long-term stability. I believe every buyer deserves clear guidance and a supportive experience, every step of the way.

10/19/2026

Rate Locks: Keep Your Mortgage Budget on Track
Mortgage rates can change, but a rate lock can help protect your agreed-upon rate for a set period while your loan moves toward closing.

Depending on your loan and lender, locks may last 30–90 days.

Ask about fees, expiration dates, and whether a float-down option is available if rates drop.

The key? Understand your options before deciding what works best for your budget and goals.

I’m here to help you navigate the details and make informed financing decisions without the guesswork.

10/18/2026

Start With a Plan, Not a Listing 🏡
Before browsing homes, start with a financial plan that fits your budget and goals. Check your credit, account for closing costs and moving expenses, and get pre-approved before touring homes.

The right preparation can help you understand your options, avoid surprises, and make more confident decisions. With the right real estate agent and mortgage partner in your corner, you don’t have to navigate the process alone.

Let’s make your path to homeownership clearer, one step at a time!

Credit Score Basics: What Mortgage Shoppers Should Know 🏡Your credit score can influence your mortgage options and inter...
10/18/2026

Credit Score Basics: What Mortgage Shoppers Should Know 🏡
Your credit score can influence your mortgage options and interest rate.

Before applying, review your credit report, correct any errors, and work on paying down balances.

Buying a home isn’t about having perfect credit, it’s about understanding where you stand and knowing your options. .

A little preparation can go a long way toward helping you make confident financing decisions.

Have questions about credit and home loans? Let’s talk!


https://www.housing-trends.com/agent-news/kim-beirne/2176815-Credit-Score-Basics%3A-What-Mortgage-Shoppers-Should-Know

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