Scott's Mountain Home Finance NMLS # 612287

Scott's Mountain Home Finance NMLS # 612287 Mortgage Professional. Financer of Dreams. Helping Realtors Save Time and Make More Money. Equal Housing Opportunity

Scott Wagner -
Mortgage Advisor NMLS 612287

Equal Housing Opportunity We are a trusted mortgage company who recommends and provides loan products that meet the home financing needs of our customers.

08/07/2025

Almost 15% of pending deals fell through in June 2025 - the highest fallout rate ever, per Redfin.⁣

Why? Buyers have options right now. More inventory means more leverage, and they’re using it.⁣

Some back out after inspections. Others jump ship when something new pops up on Zillow. And for a lot of folks, the numbers start to feel very real once they see the payment and closing costs in black and white.

Here’s the truth I’ve seen play out again and again:
Deals collapse when expectations aren’t set and the structure isn’t solid.⁣

That’s why we’re locked in on a few non-negotiables:
• Full underwritten approvals before the contract
• Clear, accurate payment and insurance numbers upfront
• Honest conversations about timelines and what’s ahead

This is the part where good lenders make a real difference. Not with cookie-cutter preapprovals—but by helping agents keep deals together when things get shaky.

Had one fall apart recently? If you could rewind the tape, what might’ve made the difference?

Does it really make cents to wait for a lower rate? 💭⁣Let’s break it down with real math—no hype, just facts.From early ...
08/05/2025

Does it really make cents to wait for a lower rate? 💭⁣
Let’s break it down with real math—no hype, just facts.

From early 2020 to mid-2023, mortgage rates dropped—and what happened? Home prices surged 41% nationwide. In some cases, appreciation hit over 11% per year (Case-Shiller Index).⁣

If rates drop again, buyer demand will likely spike—and in markets like Glenwood Springs, Carbondale, and the Western Slope, that could push prices up fast.

Here’s a real-world scenario (10% down):⁣
🔹 Today: $400K home @ 6.75% = $2,335/mo
🔹 Tomorrow? $450K home @ 5.99% = $2,426/mo⁣

Lower rate + higher price = HIGHER payment.⁣

So ask yourself: would you rather win on price today, or gamble on rate tomorrow?⁣

Let’s run the numbers for your situation and make a smart move based on facts, not fear.

—Scott Wagner | Local Mortgage Advisor
📍 Glenwood Springs | Roaring Fork Valley | Western Colorado

GIVEAWAY TIME! 🔥Win a Blackstone 28” Griddle + Hard Cover—perfect for backyard BBQs, camping, and outdoor fun! 🍔🌭🔥👉 How ...
07/30/2025

GIVEAWAY TIME! 🔥
Win a Blackstone 28” Griddle + Hard Cover—perfect for backyard BBQs, camping, and outdoor fun! 🍔🌭🔥

👉 How to Enter:
1️⃣ LIKE, COMMENT, or SHARE this post
2️⃣ Complete the entry form (http://bit.ly/4liEd3Z)

⏳ Giveaway ends Thursday, July 31 at 1 PM—winner announced shortly after! Don’t miss out!

🔥 GIVEAWAY TIME! 🔥Win a Blackstone 28" Griddle + Hard Cover—perfect for backyard BBQs, camping, and outdoor fun! 🍔🌭🔥👉 Ho...
07/11/2025

🔥 GIVEAWAY TIME! 🔥
Win a Blackstone 28" Griddle + Hard Cover—perfect for backyard BBQs, camping, and outdoor fun! 🍔🌭🔥
👉 How to Enter:
1️⃣ LIKE, COMMENT, or SHARE this post
2️⃣ Complete the entry form (http://bit.ly/4liEd3Z)
⏳ Giveaway ends Thursday, July 31 at 1 PM—winner announced shortly after! Don’t miss out!

05/19/2025

Congratulations to our winner, Julia Lang!

We’re giving away 💆‍♀️ 4 Season Passes to Elitch Gardens with a retail value over $600!The snow is melting❄️, grass will...
03/18/2025

We’re giving away 💆‍♀️ 4 Season Passes to Elitch Gardens with a retail value over $600!

The snow is melting❄️, grass will be green soon and that means the amusement parks💥 will be open soon. Travis Cox with Keller Williams, and Scott Wagner with Edge Home Finance have teamed up with Frontier Tiny homes (link below) 🎉

How to Enter:
1️⃣ Like this post 👍
2️⃣ Comment below 💬
3️⃣ Share this post with your friends 🔄

📋 Then, complete this quick questionnaire: https://bit.ly/ElitchGardens2025

Don’t wait! Engage with this post and submit your entry before May 16th.

💌 Winners will be announced soon after, so stay tuned!



Offer valid to residents of the following Colorado counties: Garfield, Pitkin, Eagle, Mesa, Montrose and Delta. Those holding existing Real Estate Broker, Mortgage Broker and employees of Frontier Tiny Homes are not eligible to win.

We’re giving away 💆‍♀️ 4 Season Passes to Elitch Gardens with a retail value over $600!The snow is melting❄️, grass will...
03/18/2025

We’re giving away 💆‍♀️ 4 Season Passes to Elitch Gardens with a retail value over $600!

The snow is melting❄️, grass will be green soon and that means the amusement parks💥 will be open soon. Travis Cox with Keller Williams, and Scott Wagner with Edge Home Finance have teamed up with Frontier Tiny homes (link below) 🎉

How to Enter:
1️⃣ Like this post 👍
2️⃣ Comment below 💬
3️⃣ Share this post with your friends 🔄

📋 Then, complete this quick questionnaire: https://bit.ly/ElitchGardens2025

Don’t wait! Engage with this post and submit your entry before May 16th.

💌 Winners will be announced soon after, so stay tuned!



Offer valid to residents of the following Colorado counties: Garfield, Pitkin, Eagle, Mesa, Montrose and Delta. Those holding existing Real Estate Broker, Mortgage Broker and employees of Frontier Tiny Homes are not eligible to win.

We’re giving away 💆‍♀️ 4 Season Passes to Elitch Gardens with a retail value over $600!

The snow is melting❄️, grass will be green soon and that means the amusement parks💥 will be open soon. Travis Cox with Keller Williams, and Scott Wagner with Edge Home Finance have teamed up with Frontier Tiny homes (link below) 🎉

How to Enter:
1️⃣ Like this post 👍
2️⃣ Comment below 💬
3️⃣ Share this post with your friends 🔄

📋 Then, complete this quick questionnaire: https://bit.ly/ElitchGardens2025

Don’t wait! Engage with this post and submit your entry before May 16th.

💌 Winners will be announced soon after, so stay tuned!



Offer valid to residents of the following Colorado counties: Garfield, Pitkin, Eagle, Mesa, Montrose and Delta. Those holding existing Real Estate Broker, Mortgage Broker and employees of Frontier Tiny Homes are not eligible to win.

Please review our Privacy Policy: https://legal.kw.com/privacy-policy

What are your thoughts? Is now a good time to sell your home?
03/13/2025

What are your thoughts? Is now a good time to sell your home?

Spring is fast-approaching, and with it comes home sellers who are itching to list their homes on the market.

Thanks for the awesome review! It was an honor helping these folks.
01/24/2025

Thanks for the awesome review! It was an honor helping these folks.

5.0 ★ · Mortgage broker

🌟 Valentine’s Giveaway Alert! 🌟Love is in the air, and we want to spread some joy this Valentine’s season! 💕 Blake Peter...
01/17/2025

🌟 Valentine’s Giveaway Alert! 🌟

Love is in the air, and we want to spread some joy this Valentine’s season! 💕 Blake Peterson with 360 Insurance and Greenfield Financial Services, Travis Cox with Keller Williams, and Scott Wagner with Edge Home Finance have teamed up to bring you an exciting giveaway! 🎉

We’re giving away:
💆‍♀️ A $300 spa treatment to the spa of your choice – because everyone deserves a little pampering!
🍴 A $150 gift card to the restaurant of your choice – perfect for a romantic dinner or a fun night out!

How to Enter:
1️⃣ Like this post 👍
2️⃣ Comment below 💬 (Tag your Valentine or tell us what your favorite date night is!)
3️⃣ Share this post with your friends 🔄

📋 Then, complete this quick questionnaire: https://bit.ly/2025Valentines

Don’t wait! Engage with this post and submit your entry before February 7th.

💌 Winners will be announced soon after, so stay tuned! Good luck, and may your Valentine’s be extra special this year! 🥂

🌟 Valentine’s Giveaway Alert! 🌟Love is in the air, and we want to spread some joy this Valentine’s season! 💕 Blake Peter...
01/14/2025

🌟 Valentine’s Giveaway Alert! 🌟

Love is in the air, and we want to spread some joy this Valentine’s season! 💕 Blake Peterson with 360 Insurance and Greenfield Financial Services, Travis Cox with Keller Williams, and Scott Wagner with Edge Home Finance have teamed up to bring you an exciting giveaway! 🎉

We’re giving away:
💆‍♀️ A $300 spa treatment to the spa of your choice – because everyone deserves a little pampering!
🍴 A $150 gift card to the restaurant of your choice – perfect for a romantic dinner or a fun night out!

How to Enter:
1️⃣ Like this post 👍
2️⃣ Comment below 💬 (Tag your Valentine or tell us what your favorite date night is!)
3️⃣ Share this post with your friends 🔄

📋 Then, complete this quick questionnaire: https://bit.ly/2025Valentines

Don’t wait! Engage with this post and submit your entry before February 7th.

💌 Winners will be announced soon after, so stay tuned! Good luck, and may your Valentine’s be extra special this year! 🥂

Address

Glenwood Springs, CO
81601

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+17605002123

Alerts

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