George Hager at First Option Mortgage LLC NMLS 210351

02/23/2026

Things are headed in the right direction and I am back in business because of it!

02/03/2022

09/15/2020

If any of you have been kicking around a conventional refinance, today is the day to call. Tomorrow we will put into affect the 1/2 back end hit that Fannie and Freddie is forcing on us and rates are smokin! Call me TODAY 303-663-7433

05/04/2020

Saving for the down payment on your mortgage to buy a home? Then you'll want to know where you should put that money while you amass the right amount.

04/23/2020

You know to put away the risque stuff when you're putting your home on the market, but some things you wouldn't think twice about might actually rub buyers the wrong way.

04/23/2020

Based on my 20 years plus of mortgage origination experience, I would not advise taking the forbearance agreement being offered by all mortgage companies right now unless you absolutely need to! They will not use that term, but that’s what it is.

Your mortgage servicer does not “own” your mortgage, Fannie Mae, Freddie Mac or Ginnie Mae does. The servicer is just a middleman. Your mortgage servicer advising you to not make your payment is a very, very dangerous thing.

Once the forbearance period is over there is no guarantee that your mortgage company will modify your loan to just resume payments, it could be that all three months are due and that could be devastating.

It is a much better option to do a cash out refi or even a rate and term refinance to delay payment. I can waive closing costs and rates are fantastic right now. If that’s not something you are interested in or are unable to do, I would strongly advise just making your mortgage payments as normal if at all possible.

Take a 401k loan, seek unsecured credit. Mark my words, there will be a LARGE group of people that end up behind on credit and foreclosure will eventually come back. It isn't worth your credit or your ability to buy a home or refinance, only go into forebearance as a LAST RESORT.

If you can’t make your mortgage payments because of the coronavirus, start by understanding your options and reaching out for help.

04/14/2020

Yes, home buying in the age of the coronavirus is possible. Here's how to conduct a virtual house hunt and protect yourself if you visit a home in person.

04/01/2020

While you're working from home home trying not to catch or spread the Corona Virus (Covid-19), you've probably watched the Stock Market plunge to new lows and

03/11/2020

Bigger Tax Refunds = Bigger Down Payments A Tax Refund is an easy way to come up with at least part of the money for a down payment, closing costs or the cash

03/02/2020

The earnest money deposit that home buyers put down with an offer is often misunderstood. It’s also easy to misunderstand when you’ll forfeit it.