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Mortgage Advice
Ray Williams

Conventional Rehab Loan

Recently I received a call about renovation loans that brought about an interesting conversation. The most common calls we get are about FHA 203k loans,

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Mortgage Advice
Ray Williams

Lack of Preparation…

My father used to tell me “lack of preparation on your part does not constitute an emergency on my part”.  As a kid I didn’t quite understand,

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Mortgage Advice
Ray Williams

Needed Documents

If you are looking to purchase or refinance and need to get pre-approved, you need to send your financials (W2’s, paystubs, bank statements, tax returns) to your

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Denver 411
Ray Williams

About Denver

As business continues to boom in Denver, so too does our population. With such rapid growth can come an overwhelming sense of getting lost in

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Mortgage Advice
Ray Williams

Denver Real Estate

Neighborhoods in Denver are rapidly changing. 2013 marked an unprecedented level of growth in our city, and 2014 doesn’t look to be slowing down. With

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Mortgage Advice
Ray Williams

Rent vs. Buy

What Is it better, rent vs. buy?  In Denver, it’s 43 percent cheaper to buy, which analysts blame on a tight rental market that isn’t being

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Mortgage Advice
Ray Williams

Rehab and 203k Loans

Crucial to community revitalization, the FHA 203(k) program works toward the repair and rehabilitation of eligible properties. There are also conventional rehab loan options that

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Mortgage Advice
Ray Williams

FHA Loans

Dating back to the Great Depression, when foreclosures and default rates rose very quickly, the U.S. Federal Housing Administration began insuring and subsidizing lenders in

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Mortgage Advice
Ray Williams

Appraisal vs. Inspection

Many home buyers get a little confused as to the difference between an appraisal and a home inspection.  Both are shown as deadlines on the

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