Tammy Kauffman Mortgage Loan Originator NMLS 664512

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Loveland, CO
Tammy Kauffman Mortgage Loan Originator NMLS 664512

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Home Mortgage Advisors NMLS #2475938
Equal Housing Opportunity I grew up in Connecticut, but have called Colorado home some since 2009.

During my 30 years as a mortgage industry professional, I have helped hundreds of families and individuals achieve the American dream of homeownership. I am absolutely passionate about helping clients, and I consider it my duty to counsel home buyers about the financing options that best meet their needs. You can rely on me to continually communicate throughout the home loan process, ensuring your loan reaches the closing table in an efficient and timely manner. Because Home Mortgage Alliance, LLC is a Colorado-based lender whose sole business is mortgages, I’m able to offer borrowers a comprehensive selection of mortgage and refinancing programs. These include conventional, jumbo, and FHA and VA loan programs, as well as down payment assistance programs and other products that help make homeownership affordable for first-time home buyers. My husband is a Colorado native and I relocated here to be near family. We adore the Colorado lifestyle and the time I get spend outings with my seven-year-old twins, hiking, dancing, reading and couponing. I earned a Bachelor’s degree in Business Administration and Marketing from Western Connecticut State University. Following graduation, I spent 10 years as a loan underwriter, gaining valuable skills and insights that benefit my current clients. As a Mortgage Loan Originator licensed in Colorado, I can help you reach your dreams of purchasing a primary residence or vacation home. I look forward to meeting you soon.

11/05/2026

The term “silver tsunami” makes it sound like a wave of houses is about to hit the market all at once. The research says otherwise.

According to Realtor.com, about 13.9 million homes owned by older Americans are expected to change hands by 2036. That's a big number. But it's spread across a decade, at roughly 1.3 to 1.5 million homes a year.

The pace is important. After the 2008 housing crash, builders spent years not building enough homes to keep up with demand, and the country still hasn't caught up. As longtime homeowners sell over time, their houses will help ease a shortage that's already there.

For buyers, that can mean more options. For sellers, it means there's no reason to put your plans on hold because of a trend that’s expected to play out over the next 10 years.

What matters more is what's happening in your area right now: how many homes are for sale nearby, what similar houses are selling for, and what buyers want.

Planning a move in the next year or so? Let's talk about what the local numbers mean for your house.

11/04/2026

Another sweater? Another candle? Or a little help toward your future home? 🎁
HomeFundIt is a home buying gift-funding program that allows eligible buyers to invite friends and family to contribute toward their homeownership goals.
Because sometimes the best gift doesn't fit under the tree.

11/04/2026

Want to know what’s next for rates and prices? The forecasts are in.

And the outlook for the housing market in 2027 comes down to one word: steady.

The latest forecasts from Fannie Mae, the Mortgage Bankers Association, and Wells Fargo show mortgage rates holding fairly flat through 2027. No big drop expected. No big spike either.

Lenders agree. In a recent HousingWire survey, 70% of mortgage executives said they expect rates to be around 7.5% or higher six months from now.

Home prices are on a steady path too. On average, those same forecasts show national prices rising about 1% to 1.5% a year through 2027.

So what does that mean for you?

If you’re buying, slower price growth gives you a little more breathing room. And instead of waiting on a rate drop that may not come, you can focus on what you can control, like a monthly payment that feels comfortable today.

If you’re selling, your house should keep holding its value, which makes it easier to plan your move around your goals and timeline.

Just keep in mind, these are national numbers. What’s happening in your neighborhood could look different.

Curious what a move could look like at today’s rates and prices? Let’s run the numbers together.

11/02/2026

Your fall personality might be telling us something about your dream home. 🍂🏡
Cozy cottage? Historic Victorian? Or a living room big enough for every football Sunday?
Which one are you? Drop your answer below and tag someone whose dream home we just described!

11/02/2026

When was the last time you shopped around for home insurance? Because that one move could save you hundreds of dollars a year.

With home insurance taking up a bigger chunk of monthly housing costs, that's an opportunity worth looking into.

And the numbers are pretty eye-opening.

According to Intercontinental Exchange, homeowners who switched insurance companies saved an average of $440 a year. Their premiums dropped 6.6%, while homeowners who stayed with their existing provider saw costs climb 10.4%.

That's a big difference just for shopping around.

And here's more good news: Home insurance costs are still rising, but the pace of those increases is finally slowing down.

So, what does this mean if you're buying a home?

Don't assume the first insurance quote you get is the best one. Comparing providers could help you keep your monthly payment more manageable.

And if you're open to new construction, there's another potential advantage. Newly built homes typically cost 10–15% less to insure than older ones, according to John Burns Research and Consulting.

Want help finding ways to make your next move more affordable? Send me a message. Let's talk.

10/31/2026

Happy Halloween! 🎃👻

Are you ready to Trick-or-Treat yourself to a BOO-tiful new home? Want to take the FRIGHT out of home financing? Whatever your homeownership GHOULS, we are here to make it happen 🍬

10/30/2026

Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.

And if you've been putting off buying because of your credit, this could change everything.

According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.

But here's what many people don't realize.

The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.

Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.

So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.

Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.

Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.

10/30/2026

A SCARY👻 good deal for buyers and sellers alike! With our exclusive List & Lock™ advantage, sellers can advertise discounted rates on their listings, drawing in more buyer demand, and giving the future buyers a desirable rate on their mortgage.
Ready to learn more? Reach out today!

Address

Loveland, CO
80537

Telephone

+19702379215

Website

https://www.homemortgageadvisors.com/mysite/tammy.k

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