The Braverman Team

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The Braverman Team Bringing totally personalized and mind blowing service to your home buying needs!

Jim Braverman
NMLS #1296520
Company NMLS #2258
CARMLA 41DBO-114137 | Licensed by the Department of Financial Protection and Innovation under the CA Residential Mortgage Lending Act

Colorado Mortgage Rates Rise, Signaling Market OpportunitiesMortgage rates are on the move—here in Colorado, we’ve seen ...
10/15/2026

Colorado Mortgage Rates Rise, Signaling Market Opportunities
Mortgage rates are on the move—here in Colorado, we’ve seen a 1.60% increase, bringing the average to 5.33%. That places us 26th for rates nationally, and we’re 18th when it comes to mortgage debt growth. I know how important timing is for buyers navigating this landscape, especially as rates shift. My team’s mission is to deliver guidance that’s tailored to your unique needs, making sure every question is answered and every option is clear. Let’s make sure you’re informed and ready for the next step!


https://www.roomvu.com/agent-news/jim-braverman/2103421-Colorado-Mortgage-Rates-Rise%2C-Signaling-Market-Opportunities

10/14/2026

Mortgage Refinancing Myths and Costs to Check
When it comes to mortgage refinancing, it’s easy to run into myths and miss the real costs. I always encourage my clients to get at least three quotes on the same day and look beyond the advertised rates—comparing APRs lets you see the full scope of lender fees and helps you negotiate from a stronger position. Remember, refinancing isn’t free: closing costs typically fall between 2% and 5% of your new loan amount. Be sure to calculate your break-even point before jumping in. A lower interest rate looks great, but starting a brand-new 30-year loan could mean paying more in total interest over time—so it’s not always a guaranteed savings. Refinancing replaces your original mortgage with a new one, and that shouldn’t make selling your home down the road any harder. If you’re considering a cash-out refinance, take extra care to understand the implications. Lenders will check your credit, and having a strong score plus a debt-to-income ratio below 36% can open the door to better offers. Even if you’ve been turned down before, improving your profile can make a big difference. My approach is all about clarity and making sure you have every answer you need for your unique situation.

10/13/2026

States Where Homeowners Have Most Home Equity
One thing I always keep an eye on for clients: where homeowners are really building equity. In 10 states across the country, folks are seeing their home equity match—or even surpass—their net worth. Hawaii tops the list with $600,000 in home equity and $692,700 in net worth, while California follows at $550,000 and $273,800, respectively. These numbers highlight just how significant home ownership can be for your financial picture. My team and I focus on helping you achieve the best possible outcome tailored to your needs—because your home is more than just a place to live, it’s a key part of your future.

10/12/2026

3 Tips for a Lower Mortgage Rate
Navigating today’s mortgage landscape can feel overwhelming with 30-year rates still hovering in the high-6% range well into 2026. For those looking to secure a lower rate, I always encourage exploring a 7/6 ARM—this option can offer a more attractive introductory rate for the first seven years before adjusting every six months. It’s essential to review the terms thoroughly to ensure it fits your plans. Another proven strategy is to compare offers from banks, credit unions, and non-bank lenders. Even one additional quote could save you around $1,500, and gathering several can mean savings of up to $3,000 over the life of your loan. With some homes spending more time on the market, there’s also room to negotiate seller credits to fund a temporary buydown, easing your payments in those crucial early years. And don’t forget—sometimes moving your cash or accounts can unlock special relationship pricing. My team and I are dedicated to making sure you find the best fit for your needs and goals, with answers to every question along the way.

10/11/2026

Honoring the Significance of Indigenous Day

How mortgage preapproval works and why it matters before buying a homeWhen you’re thinking about buying a home, getting ...
10/10/2026

How mortgage preapproval works and why it matters before buying a home
When you’re thinking about buying a home, getting mortgage preapproval is a key first step. It shows sellers you’re qualified to borrow a set amount—based on your credit, income, debts, and assets—which can really strengthen your offer and speed up the process. Preapproval usually lasts 30 to 60 days, involves some paperwork, a hard credit check, and while it’s not a final loan guarantee, it’s an essential part of setting yourself up for success. My team and I focus on making each step as smooth and personalized as possible, because your needs come first and every detail matters.


https://www.roomvu.com/agent-news/jim-braverman/2069312-How-mortgage-preapproval-works-and-why-it-matters-before-buy

How to Buy a Foreclosed HomeThinking about purchasing a foreclosed home? There are a few routes you can take—short sale,...
10/08/2026

How to Buy a Foreclosed Home
Thinking about purchasing a foreclosed home? There are a few routes you can take—short sale, auction, or buying directly from the bank. With foreclosure filings up 21%, there’s more inventory to consider, which can open new doors for buyers who are ready to act quickly. Getting preapproved makes a big difference, especially when you’re up against cash buyers. Just keep in mind: these properties are sold "as is," inspections are often limited, and auctions may include buyer premiums. My team and I are here to help you navigate these details and make sure your unique needs are always front and center.


https://www.roomvu.com/agent-news/jim-braverman/2077850-How-to-Buy-a-Foreclosed-Home

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Monument, CO
80132

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+17196611613

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