Michael Lamborn-VP of Mortgage Lending, NMLS# 28261

08/10/2026

Rent math is not just about what you pay today. It is about how your housing costs fit into the way you save*, budget and plan ahead.

I can help you compare renting with buying so you can see what may make sense for your situation.
https://myoc.io/hsZ6CXV2p1Z/1KfS2



NMLS # 28261

08/06/2026

If you've ever wondered whether a HELOC (Home Equity Line of Credit) and a cash-out refi are the same thing, you're in good company. Plenty of homeowners do. Both tap into the equity you've built, but the way they get you there is different, and that difference matters when your plans change. The good news is you don't have to sort it out alone.

Save this for whenever you're ready, and reach out anytime you'd like a hand making sense of it.
https://myoc.io/hsZ6CXV2p1Z/CorQU



NMLS # 28261

08/05/2026

Home prices increased in most metro markets in Q2, while sales rose in three of the four major regions. Since prices, demand and affordability vary by area, the data could affect what you’ve built as a homeowner or what options may fit if you’re buying. A changing market could still create opportunities when you know what to look for.

Reach out, let’s discuss what home financing opportunities this report could create for you.
https://myoc.io/hsZ6CXV2p1Z/XoFl0



NMLS # 28261

08/03/2026

The extra monthly cost of mortgage insurance shouldn't stand between you and homeownership and for qualified buyers, it won't. Guaranteed Rate Affinity offers down payment options as low as 3% with mortgage insurance waived.

Let's connect to see if this is the right fit for you.
https://myoc.io/hsZ6CXV2p1Z/GhaET



NMLS # 28261

07/30/2026

When rates hold steady, it takes some of the pressure off your home financing decisions. It gives you more space to think through your options, understand what you can afford and move forward with confidence. As growth and jobs stay steady and inflation remains elevated, the Fed kept rates unchanged this week.

I can talk it through and help you find the right path forward.
https://myoc.io/hsZ6CXV2p1Z/j0Yzq



NMLS # 28261

07/30/2026

Most homeowners know their monthly number but not what it's actually made of. PITI breaks it down into the four parts that shape every payment. When you understand each piece, budgeting gets a lot clearer.

I'll help you make sense of it all.
https://myoc.io/hsZ6CXV2p1Z/GhBWo



NMLS # 28261

07/28/2026

07/27/2026

Your mortgage has been working in the background. The question is whether it's working hard enough for where you are now. Rates could be part of that conversation. Mid-year is the right time to find out.

Let's talk through what's possible.
https://myoc.io/hsZ6CXV2p1Z/3wtuV



NMLS # 28261

07/22/2026

The more you know about your LTV, the more confident you'll feel at every stage of the process. Ready to get there?

Let's connect.
https://myoc.io/hsZ6CXV2p1Z/9jo3T



NMLS # 28261