DJ Robbins of Golden Lenders walks you through what to do when you think your credit is not good enough to buy a home.

Hey everyone! Buying a home is exciting — especially when you finally find the one and get under contract. But that excitement can sometimes lead to mistakes that could jeopardize your loan. 😬 In this video, DJ from Golden Menders breaks down the top 5 things you absolutely should NOT do after going under contract. Whether it’s your first home or your fifth, these tips are crucial to ensure a smooth closing. Here’s a sneak peek at what we cover: 🔹 Don’t change your job or income – even small changes like overtime can affect your loan approval 🔹 Don’t open new credit – no new credit cards or car loans before closing 🔹 Don’t spend your down payment – keep those funds safe and documented 🔹 Gift money rules – how to use gift funds properly without causing delays 🔹 Selling items for your down payment – what documentation you need to keep everything smooth DJ also shares insider tips on how to handle earnest money, document gifts, and verify cash for your down payment so your closing goes off without a hitch. If you’ve ever wondered why some buyers hit snags even after going under contract, this video will give you clarity and peace of mind. 🏡✨ 🌐 Learn more and access resources: https://www.summitteamcolorado.com/ 💬 Got questions about your own home purchase? Drop them in the comments — we’re here to help you navigate the process safely and confidently. #HomeBuyingTips #UnderContract #GoldenMenders #MortgageTips #FirstTimeHomeBuyer #DownPayment #ClosingDay #RealEstateAdvice #HomeBuyingJourney #LoanApprovalTips #EarnestMoney #GiftFunds #MortgageApproval #ColoradoHomes #WheatRidgeRealEstate #ArvadaHomes #DenverRealEstate #SummitTeam

Need a home loan, but have little or no income? If you have assets, you can qualify for a No Ratio Loan. DJ Robbins of Golden Lenders explains this loan program.

Hi everyone! Susie Stewardson with the Summit Team here at You First Realty, and today I’m joined by DJ Robbins from Golden Menders, a mortgage expert with over 30 years of experience. In this video, we explore Non-Qualifying Mortgages (Non-QM) — a flexible option for investors, self-employed individuals, and 1099 workers who don’t qualify for traditional FHA, VA, or conventional loans. We cover: 🔹 How self-employed and 1099 borrowers can qualify using bank statements 🔹 Investor loans and using rental income to qualify even if tax returns show a loss 🔹 Loan-to-value options up to 75% for cash-out scenarios 🔹 Non-warrantable condo loans, including mountain or hotel-style properties 🔹 Minimum credit score requirements and what to expect Non-QM loans carry slightly higher rates, but they provide flexibility for buyers who might otherwise be left out. DJ breaks it all down so you can see how these loans can help you build your real estate portfolio. 🌐 Learn more and access resources: https://www.summitteamcolorado.com/ #NonQMloans #InvestmentPropertyLoans #SelfEmployedMortgage #GoldenMenders #RealEstateInvesting #MortgageTips #HomeBuyingTips #NonWarrantableCondos #1099Loans #CashFlowProperty

DJ Robbins of Golden Lenders explains what you need to know about FHA Loans.

In this video, Susie Stewardson teams up with VA loan expert Kris Hocum to reveal some surprising advantages veterans often overlook. From zero down payment and no PMI to potential seller-paid closing costs, streamlined refinancing options, and even the possibility of having two VA loans at once—there’s far more flexibility than most people realize. We also touch on who qualifies, what condition the home needs to be in, and a few insider insights that can save you money and stress throughout the process. If you’re a veteran, active duty service member, reservist, or surviving spouse, you won’t want to miss this quick breakdown of benefits that could make homeownership easier than you imagined. 🇺🇸🏡 👉 Learn more or contact us at: https://www.summitteamcolorado.com/ #VALoans #VeteransBenefits #HomeBuying #NoDownPayment #RealEstateTips #MilitaryFamilies #HomeOwnership #VAHomeLoan #MortgageTips #YouFirstRealty

If you're looking to buy a home but have concerns about your credit score, down payment, or past financial challenges, an FHA loan could be the perfect option for you. In this video, we dive into how FHA loans work, why they’re a great choice for many first-time homebuyers, and how they offer more flexibility than conventional loans. From lower credit score requirements (as low as 580) to shorter waiting periods after bankruptcy or foreclosure, FHA loans provide a way for people to get into homeownership sooner. Plus, with just 3.5% down and more lenient debt-to-income ratios, they can make it easier to qualify for a larger home. We’ll also cover the downsides, like mortgage insurance and appraisal standards, so you know exactly what to expect. If you’ve been wondering whether an FHA loan is the right choice for you, this video breaks it all down. Watch now and learn how an FHA loan could make your dream of homeownership a reality! For more information or to get started on your homebuying journey, visit us at: https://www.summitteamcolorado.com/ #FHALoans #FirstTimeHomebuyers #RealEstateTips #HomeBuyingGuide #MortgageAdvice #SusieStewardson #SummitTeam #YouFirstRealty #RealEstateWithSusie #SummitTeam #DenverMetro #ArvadaRealEstate #WheatRidgeHomes #MoveToColorado #DenverMetroHomes

You’re going to want to watch this. Hi everyone! Susie Stewardson with the Summit Team here — and in today’s video, I sit down with Kris Hocum from First City Mortgage to uncover one of the biggest secrets in Colorado homebuying: how little you might actually need for a down payment. 🤯 Most people believe they need tens of thousands saved… but that’s not always true. In fact, some of Kris’s clients have bought homes with as little as $1,000 out of pocket. Yes — really! In this extended conversation, we break down: 🔹 Colorado’s top down payment assistance programs, including CHFA and the Denver Metro Assistance Program 🔹 How these programs work and why they can cover up to 4% of your down payment 🔹 Whether FHA or Conventional loans make the most sense with DPA 🔹 How credit score, debt-to-income ratios, and income limits really affect your options 🔹 The true cost of closing expenses and how sellers can sometimes help 🔹 Why VA loans are often the BEST financing tool available — zero down, no PMI, and possible funding fee waivers 🔹 A simple breakdown of private mortgage insurance (PMI) and when it applies If you’ve been feeling overwhelmed or unsure about the financial side of buying a home, this video will give you real numbers, real examples, and real clarity. 📘 Want to get even more prepared? Take our Free Homebuyer Course to learn everything you need to know before starting your homebuying journey. 👉 Access it here: https://buyer.summitteamcolorado.com/home-8270-9014 💬 Have questions about your own situation? Drop them in the comments — we’d love to help you take the next step toward homeownership! #HomeBuying #DownPaymentAssistance #FirstTimeHomeBuyer #ColoradoRealEstate #VAloans #MortgageTips #HomeLoans #FHAloans #ConventionalLoans #SummitTeam #RealEstateTips #HomeBuyingJourney #SummitTeam #DenverMetro #ArvadaRealEstate #WheatRidgeHomes #MoveToColorado #DenverMetroHomes

Hi, I’m Susie Stewardson with the Summit Team at You First Realty, and in this video, I sit down with mortgage expert Chris Holcomb from First City Mortgage to break down jumbo loans—what they are, how they work, and whether they might be right for you. We cover: What qualifies as a jumbo loan and how limits vary by county How jumbo loans differ from conventional loans Typical down payment requirements and reserve rules How interest rates compare to conventional loans The lending process for loans above $647,200 in Colorado (and up to $2 million!) How working with an expert can help you navigate options and find the best solution If you’re looking at high-value homes or want to understand how jumbo loans work, this video gives you the clarity you need to make informed decisions. 👉 Learn more or get started: https://www.summitteamcolorado.com/ #JumboLoan #HomeBuying #MortgageTips #RealEstateAdvice #HighValueHomes #YouFirstRealty #MortgageExpert #ChrisHolcomb #LuxuryHomes #MortgageProcess #HomeLoanHelp #RealEstateTips #ColoradoRealEstate #HomeFinance #LoanOptions #MortgageEducation #DreamHome #PropertyBuying #FinancialTips