Real questions. Straight answers.

No. Conversations, pre-approvals, payment estimates, program comparisons — all free, with no obligation. You only ever pay costs associated with an actual loan you choose to close.

Not at all. Jeff works with buyers across Colorado — Monument, Colorado Springs, the Denver metro and beyond — and is licensed in ten more states including Wisconsin, Arizona, Florida and Virginia. Most of the process happens by phone, text and secure online tools anyway.

A person who answers. Clients consistently describe fast responses, thorough explanations, and knowing what was happening at every stage. When your offer needs an updated letter on a Saturday, a website will not pick up. Jeff does.

Yes — text 303-929-0784 and just say what you are thinking about. He will take it from there. Calls and email work great too.

Program-dependent: conventional from 3%, FHA from 3.5%, VA and USDA from $0 for eligible borrowers — and CHFA down payment assistance can help qualified Colorado buyers with the rest. 20% down avoids mortgage insurance but is not required.

Conventional generally starts around 620; FHA guidelines go as low as 580. Pricing improves as scores rise. If your score needs work, Jeff will point you at the changes that move it fastest.

The one-time costs of making the loan and transferring the home — commonly 2–3% of the loan amount. You will see them itemized well before closing, and there are strategies (seller credits, lender credits) to reduce cash needed at the table.

Nobody can time rates — anyone who claims otherwise is guessing. The honest framework: if the payment works for your budget today, the home starts building equity today. If rates drop later, refinancing exists.

Often within a day or two of Jeff receiving your documents — sometimes same-day when timing matters. If you have found a house and hours count, say so.

Commonly around 30 days from accepted contract, and often faster when the file is structured well from day one. Jeff sets the expectation for your specific scenario up front.

Before. Always before. In competitive Front Range neighborhoods, offers without pre-approval letters are often not taken seriously. Fifteen minutes now saves heartbreak later.

It is the perfect time. A year out means time to optimize credit, savings and programs — buyers who plan ahead consistently get better outcomes. Jeff is happy to build the runway with you.