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.


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.


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.


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


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

Working With A Builder For Your New Home

Updated: Jan 28

There are many benefits to buying a new construction home. You can choose your own floor plans, upgrades and finishes to make your home truly your own. Yet home-buyers who are purchasing their first new construction may have concerns about what it is like working with new home builders.


We Recommend Working With A Buyer's Agent

The first mistake new construction buyers can make when working with a home builder, is they waive their right to a buyer's agent. or they choose to work with the Builder's real estate agent. Although most home-buyer's consider a the job of a buyer's agent is simply to help them pick out a home, the truth is, your buyer's agent is there to protect you, your new home and your assets throughout your purchase transaction.

Your buyer's agent will help you with:

price negotiations, mortgage and builder deadlines,

hidden fees, and peace of mind.

Additionally, your buyer's agent is legally obligated to keep your best interest in mind and could protect you from surprises. A buyer's agent is no cost to you, and will be paid for by the Builder, so make sure you pick out a realtor to represent you in this new construction process.

Find out more about why you should hire your own agent at


Explore Your Financing Options

If you have already begun talking to a builder, you know that they prefer you use their lender. Know your rights here! Although a Builder can require that you are pre-qualified by their lender, they cannot require you to use their lender for your financing. It is always a good idea to compare at least 3 lenders when buying a home which means ideally, you should meet with the Builder's lender in addition to 2 other lenders.

Why Should I Talk To Multiple Lenders?

If you use the Builder's lender, who really benefits? Are you going to get the best deal?

Get the rate and fee information of each lender you are considering, and compare them. Weed out lenders who don’t give competitive rates or charge too much fees. This will help you know you are getting the best deal for your new home, and will help you get the lowest rate and closing costs. You will have the option to shop for a mortgage lender while your home is being built, so take your time and explore all of your options.

Find out more about how to shop for a lender at


Selecting New Build Options and Upgrades

Once you have picked out the model of your home, the Builder will offer you specialized build options and upgrades. The best way to select upgrades to your home will be to compare needs versus wants. You obviously are building a new home, instead of buying an existing one, because you want it to check all of your boxes. But, be flexible. Remember that you have a budget and that you may not be able to afford all of the extras you’d like, so prepare a list of must-haves and want-to-haves. Also consider how much having these upgrades will cost you if you do them later down the road, and compare it to how much it will cost you now.


Read Builder Reviews

In everything, it is good to be educated before you buy. Look up your builder online, and check public records for lawsuits. If a buyer has a bad experience with a builder, the word spreads rapidly throughout a community- so check with your new neighbors in the community as well! Doing research on your builder before you lock in could save you a nightmare in the future.

To learn more about how to pick a Home Builder, visit


Get a Home Inspection

Always get a home inspection when you buy. Hire an accredited individual to perform the inspection. Be there for the inspection and ask questions, because a new home can contain defects. The HVAC system might be too small or the plumbing could be installed backwards. Construction workers make mistakes. Hiring an inspector of your own can ensure that the Builder is building your home correctly, and could help you address problems in your new home, before it is too late.

To learn more about choosing a home inspector, visit



©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. 

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

Jamie Laskie