FREQUENTLY ASKED QUESTIONS

WILL GETTING PRE-QUALIFIED HURT MY CREDIT?

No! I use a Soft Pull credit service to provide my pre-qualifications, which means you will never have to worry about a mortgage inquiry hurting your credit.

WHAT DOES IT MEAN TO GET "PRE-QUALIFIED"?

Getting pre-qualified means a knowledgeable loan officer has reviewed your income, assets, employment and liabilities in order to come up with a maximum purchase or refinance amount.

DO YOU OFFER DOWNPAYMENT ASSISTANCE?

YES!
With down-payment assistance you can purchase a home with as little as $1,000 down! Reach out to me or pre-qualify to find out if you qualify for Colorado Down-payment Assistance.

WHAT MORTGAGES DO YOU OFFER?

Conventional: minimum down payment 3%, mortgage insurance required for less than 20% down that falls off, credit score of 620+

FHA: minimum down payment 3.5%, mortgage insurance required for less than 20% down that does not fall off, credit score of 580+

VA: minimum downpayment of 0%, must be able to provide a DD-214

USDA: minimum downpayment of 0% down, monthly fees for less than 20% down, must be in a USDA approved area, income limits apply

WHEN SHOULD I CONSIDER A REFINANCE?

Refinances can be beneficial to lower monthly payments by lowering interest rates or removing or decreasing mortgage insurance. 
Refinances can also be used to take cash out for renovations, debt consolidation, a big purchase, and much more

For questions not answered above, or for direct advice about home loans or refinancing, don’t hesitate - get in touch!

See below for additional mortgage information, tips and tricks!

 
  • Jamie Laskie

Tips For Finding The Perfect Home

Get Pre-Qualified

Getting pre-qualified will help you narrow down your home options by giving you a limit on what you can purchase. Getting pre-qualified will also allow you to work with your loan officer on a budget, and help you limit your options based on what you want to pay each month.

Get-PreQualified





Start a Home Search

Log on to nest.me and click "New" to start a new home search. Enter your newly found limits for budget and pre-qualification, and feel at ease knowing your information isn't being forwarded to lenders and realtors from all over the state.

Choose your timeline, home type, home size, age and square footage, then wait for your perfect home to come to you!










Research the Area






Work with a local Real Estate Agent

  1. Local realtors know the area

  2. They know the market

  3. They work for you and your best interest

  4. They have other local connections, and may hear about a home that is perfect for you, before it hits the market

Ask me who I recommend in your area









Get A Home Inspection

The home inspector will look at everything in a home and give you a non-bias opinion. They will also tell you the true value of the home you are looking at. It’s better to spend a couple hundred dollars doing a home inspection then finding out the house had several problems.


















Picture your family living in the house.

When you walk into the home, can you picture your family living there? Does it have a good feeling? Picture your family living in each room and see you how feel.












Ready to purchase that home or refinance your mortgage? Get in touch to find out how we can help you achieve your goals, both personally and financially!


I enjoy being a loan officer because I get to help people finance their dreams and their homes, let me help you today!

​ Jamie Laskie

NMLS 1641628

970-581-4811

Guild Mortgage Company is an Equal Housing Lender; Company NMLS #3274 Jamie Laskie is a licensed Loan Officer in Colorado for Guild Mortgage Company; Regulated by the CO Division of Real Estate. Licensed in the state of Colorado, NMLS #1641628. The postings on this blog don't necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. This information is not guaranteed to be accurate and shall not be construed as a guarantee of loan approval. All loans are subject to underwriter approval, and are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. The information provided herein has been prepared by a third party and has been distributed for education purposes only. The positions, strategies or opinions of the author do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

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©2018 by Jamie Laskie. 

Guild Mortgage Company is an Equal Housing Lender; Company NMLS #3274. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.  Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. 

PrivacyLicensingConsumer Access NMLS

Jamie Laskie NMLS #1641628, is licensed to do business in the states of Colorado. 

Jamie Laskie

970-581-4811

jlaskie@guildmortgage.net 

https://www.guildmortgage.com/jamielaskie