Dave Godwin - NMLS# 2186045 - Central Bank

06/09/2026

Open houses are exciting, but it helps to go in with a plan.

Before falling in love with the kitchen or backyard, make sure you are also thinking about the bigger picture: monthly payment, taxes, HOA dues, location, and what feels comfortable for your budget.

Your Realtor can help you evaluate the home and offer strategy, and your lender can help you understand the financing side.

For informational purposes only. Not a commitment to lend. Loan approval and terms are subject to credit approval, program guidelines, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

06/04/2026

A buydown is not one-size-fits-all.

A permanent buydown may help lower the interest rate for the life of the loan, while a temporary buydown may help lower the payment for the first few years before it adjusts to the full note rate.

In some situations, a seller or builder may be able to contribute toward the cost, depending on the loan program, contract terms, and guidelines.

The best option depends on your budget, timeline, and overall goals. Before choosing, make sure you understand both the upfront cost and the long-term impact.

For informational purposes only. Not a commitment to lend. Loan approval, terms, rates, costs, discount points, and concession limits are subject to borrower qualifications, credit approval, program guidelines, property eligibility, contract terms, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

06/02/2026

Are you self-employed and dreaming of homeownership? You can absolutely secure a mortgage, but be prepared for stricter standards. Here’s what you need to know!

Want to dive deeper into the requirements and tips? Read our full article here: https://www.centralbank.net/learning-center/homeownership/buying/how-you-can-get-a-mortgage-if-you-are-self-employed/
Member FDIC | NMLS # 407985 | Equal Housing Lender

05/28/2026

Protect what matters most. 🏡
As your local independent insurance broker, I shop multiple companies to help find the right coverage for your home and budget.

Andrea Godwin
Bird Family Insurance Agency
📞 970-549-2500

05/28/2026

05/28/2026

Not every homebuyer has the same plan—and not every mortgage should be one-size-fits-all. For some buyers, an Adjustable-Rate Mortgage (ARM) may offer a lower initial rate and lower payments during the early years of the loan.

That can be worth exploring for buyers with shorter-term goals or those who may not plan to keep the loan long-term. The right fit always depends on your full financial picture and future plans.

Reach out today to explore your options!

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/26/2026

Not every renovation adds real value. Some updates simply improve appearance, while others can make a meaningful difference when it’s time to sell.

Projects that often hold value well include kitchens, bathrooms, fresh paint, updated flooring, and curb appeal improvements. But one of the biggest factors people overlook is how those upgrades are funded.

Many homeowners are exploring ways to use the equity they’ve built for strategic improvements rather than pulling directly from savings. When the right project and the right financing approach align, it can create long-term value.

Because it’s not only what you upgrade—it’s how you position the investment. 🏡

To read more, head to our Learning Center: https://www.centralbank.net/learning-center/homeownership/investing/some-renovation-projects-are-better-than-others-at-recouping-costs/

Market conditions vary by location, price range, and property type, and are subject to change. For informational purposes only and not a commitment to lend or guarantee of loan approval.

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/25/2026

Forever grateful for the sacrifices of our brave men and women this Memorial Day. ❤️

05/23/2026

Retired from the job, never from the family. 💙Officer Naik enjoyed catching up with retired officers while patrolling Main Street.