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Mortgage and Lending - Guild Mortgage Company (NMLS# 3274) - CO-LMB#100047306
Mortgage and real estate info to help you realize your dream of home ownership in the San Juan Mountain Region of the Colorado Western Slope.
The start of the New Year is a new beginning for me in many ways, but particularly, since I recently launched a new career, from real estate broker to mortgage loan originator.  I thought I would share a few of the insights I’ve gained during the first two months in the mortgage business. 1.  The...
For those who may have noticed my new contact info and wondered, YES, I've made the switch.  I've gone from the sales side of real estate over to the lending side of it.  I have enjoyed immensely my real estate career.  However, when the opportunity presented itself to me to become a mortgage loa...
With the housing market on the rise and interest rates still low, there comes a noticeable change in lending practices and policies where seller concessions for repairs  and personal property inclusions are concerned.  A “seller concession” is something the seller agrees to give (concede) to a bu...
As we all read, the real estate market nationally is--finally--shifting, and in a positive way.  I was asked to participate in the ActiveRain challenge to post how I will respond to this shift.  So, here are my responses:  1.       How will this shift affect buyer agents vs seller agents? Seller ...
To many, “foreclosure” is synonymous with “great deal.”  That may be true in many cases, but great deals and investments often come with higher risk.  That certainly applies to buying a foreclosure, also referred to as a bank-owned or foreclosed property or REO (real estate owned--by the bank). H...
Classic Colorado Home Totally Remodeled 236 Marie Street, Ridgway, CO 81432 View Map Totally remodeled ranch view home, on west end of Town of Ridgway, within walking distance to school, greenbelts, historic district, and parks. This gem is classic Colorado with everything brand new, including: ...
If you’ve been listening or reading all the real estate news lately, you’ve undoubtedly heard how the real estate market nationally is picking up, that it appears to have finally hit the bottom, and that home values have increased over last year.  That’s certainly been happening in Montrose Count...
Below are the residential statistics from our regional MLS for Montrose County, Colorado.  Consistent with national statistics, sales activity and home values are up over last year.  We are still seeing a fair amount of foreclosures and short sales hitting the market, and expect more throughout 2...
In Part I of this post, I described the basic differences between a manufactured home and a modular home, and how these 2 also differ from a traditional stick-built home and a pre-HUD mobile home or trailer.  Understanding the differences is important since the type of home can affect a buyer’s a...
Although the terms “manufactured home” and “modular home” are often used interchangeably to mean the same thing (even among real estate professionals), in fact, these terms describe two different types of homes.   Both these homes differ from the traditional “stick-built” or “site-built” home, wh...

Ninah Hunter

Western Colorado Mortgage Pro (NMLS #1088241)
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