Mortgage Guides & Straight Answers
Straight answers for Colorado homebuyers on down payment help, loan types, credit, closing costs and getting approved.
DSCR Loans in Colorado: Qualify a Rental on Its Rent, Not Your Tax Returns
A DSCR loan qualifies a rental property on the rent it produces rather than the income you document. Here is how the ratio is calculated, what Colorado lenders actually require, and where the structure helps or hurts.
CHFA Schools to Home in Colorado Springs: Down Payment Help for D11, Academy 20 & El Paso County School Employees
Colorado Springs school employees can get up to 25% down payment help with CHFA Schools to Home. Check your school, see the guidelines, and meet our COS team with Nicole Strom.
CHFA Schools to Home in Aurora: Down Payment Help for APS, Cherry Creek & Aurora School Employees
Aurora school employees can get up to 25% down payment help with CHFA Schools to Home. Check your school, see the guidelines, and meet our Aurora team with Leah Celler.
CHFA Schools to Home: Down Payment Help for Colorado School Employees
If you work for a Colorado public school, CHFA Schools to Home can cover up to 25% of your loan toward down payment and closing costs. See how it works, who qualifies, and check your school in seconds.
The Listing Is Just a Window
The listing is just a window
Guide To Colorado Springs Schools
Moving to Colorado Springs? Discover the best school districts in our complete guide! 📚🌟 Learn about Academy District 20's top-rated schools, School Choice options, and much more. 🏔️ Click the link to find the perfect educational environment for your family
Closing Cost Explainer
Learn how to estimate your true closing costs with this hands-on video lesson from Speak Straight Mortgage. Using a downloadable workbook, you'll break down lender fees, insurance, prepaid costs, and more—so you know exactly what to expect out of pocket. Perfect for buyers who want clarity and confidence.
What Types of Loans Are Available?
Ever find yourself puzzled by the different home loan options? FHA, VA, USDA, Conventional... What does it all mean, and which one is right for you?
How Much Will My Payments Be?
Learn what makes up a monthly mortgage payment in this clear, step-by-step video guide. Matt covers principal, interest, taxes, insurance, HOA fees, and mortgage insurance—plus how to estimate and compare costs with a worksheet. Ideal for buyers who want to understand their payments before making a move.
Useful Definitions For First-Time Homebuyers
Understanding mortgage terms is key for first-time homebuyers. This guide explains essential concepts like debt-to-income ratio, preapproval, mortgage insurance, and closing costs in plain language. Organized by the stages of the homebuying process, it helps you feel confident, ask smart questions, and make informed decisions every step of the way.
🏡 How Your Credit Score Impacts Your Mortgage Options
If your credit score is under 620, mortgage options are limited and interest rates are higher. Raising your score to 620 or above opens the door to better loan terms and more programs. Speak Straight Mortgage can help you build a plan to improve your credit and qualify with confidence.
How Much Do I Need Saved To Buy A Home
Wondering “how much do I need out of pocket” to buy a home? This post breaks down key costs like earnest money, inspections, and closing costs—and how things like seller concessions and assistance programs can reduce what you actually spend. Learn how to plan ahead and buy smart with expert guidance
Understanding Temporary Rate Buydowns: 3-2-1, 2-1, and 1-1 Buydown
Discover how temporary rate buydowns can make home ownership more affordable. Schedule an appointment with Matthew Wentz to get personalized advice and explore how 3-2-1, 2-1, and 1-1 buydowns can benefit you. Click to book your consultation today!
Ultimate Guide to Colorado Down Payment Assistance Guide 2025
This guide outlines Colorado first-time buyer and down payment assistance programs by credit score, including FHA and CHFA options. It explains types of assistance like repayable and silent second loans, and grants. It also highlights resources to understand loan types, income limits, and credit scores to help buyers get started
Colorado Low Down Payment Programs 2025
Low down payment mortgage programs help buyers get into a home with as little as 0% to 3.5% down. This guide explains options based on credit score, income limits, and buyer status. Explore FHA, VA, USDA, and Conventional loans to find the right path to homeownership