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Is renting really cheaper than buying in Denver? The honest answer is: it depends. The average rent for a 2-bedroom here is around $2,250 a month. That’s over $27K a year that’s just gone. No equity, no tax benefits, no long-term gain or value appreciation. Buying a home might mean a higher monthly payment (around $3,100 for a $450K home with 5% down), but you’re building equity, locking in a payment that doesn’t keep going up, and setting yourself up for stability in the long run. But even with those benefits, buying isn’t the right move for everyone. It depends on your lifestyle, how long you plan to stay, and if you’re ready for the responsibilities of owning. As a mortgage broker, my job isn’t just to say “yes” and push you through the process. it’s to give you honest advice so you can make the best decision for you. If you’re curious how this looks for you, let’s run the numbers together. No pressure, just clarity. —————— Forward Mortgage Group Educate. Communicate. Collaborate. We’ll Help You Move Forward With Confidence

This is you, right? You moved to Colorado for the lifestyle—the mountains, the breweries, the dog-friendly trails. You probably have a golden retriever or a doodle that gets all the attention at Wash Park. One of you works in finance or tech, maybe at a startup or a big-name company. The other is in a more people-focused role—education, healthcare, or something creative that you love. You just got married, or you’re planning the wedding. Your Friday nights have shifted. It’s less bar hopping, more game nights with friends, or quiet dinners and movie night at home with your partner and the dog. And now you’re thinking about buying your first home. You’ve got solid credit, you’ve been paying off your credit cards in full every month, and you’ve done the “right things” financially. But the thought of taking on a big mortgage still feels intimidating. You’re trying to time it all so your lease doesn’t overlap with your mortgage and are wondering if now is the right time to buy, if you should wait, if rates are going to drop, if you’re making a smart investment. It’s exciting, but also a little nerve-wracking. Here’s the thing, this isn’t just about getting a loan. You’re looking at the bigger picture: 🌲 You want a home that fits your lifestyle. 👶 A place where you can start your family. 💸 A plan that makes sense for your long-term financial goals. That’s what I do. I help couples just like you tie it all together so you can move forward with clarity and confidence, knowing your first home supports the life you actually want to build. If that’s you, let’s make this simple: 📲 Send me a quick DM with the word “home” and I’ll reach out. That’s it. No pressure, no complicated steps. Just a quick chat to see if we’re a good fit. Let’s take it one step at a time, together. —————— Forward Mortgage Group Educate. Communicate. Collaborate. We’ll Help You Move Forward With Confidence

Not all debt is created equal. Bad debt, or things like high-interest credit cards or car loans, drains your finances because it’s tied to things that typically lose value. Good debt on the other hand is the kind that helps you build long-term wealth. Think of things like investments in appreciating assets like real estate, certain stocks, or even investing in yourself For me, real estate has been the key. It’s allowed me to move up from one home to the next, build equity, and invest in different real estate assets,all while using debt as a tool that works for me, not against me. That’s why I’m all in on real estate, because it’s one of the most accessible ways to use debt wisely. The key is using debt on assets that have a real chance of growing in value over time without overextending yourself. What other appreciating assets have helped you level up? —————— Forward Mortgage Group Educate. Communicate. Collaborate. We’ll Help You Move Forward With Confidence

We had the dream mortgage rate… Until we realized we were no longer in our dream home. It’s one of the most common situations I hear about where people feel stuck because they’re holding onto a low interest rate, but deep down, they know their current home isn’t working for them anymore. That was us too. Our needs changed and we were both working from home, wanted more space, and a backyard for Olive. Walking away from our low rate didn’t seem smart, so we didn’t. Instead we took out a HELOC to help fund the down payment on a new home, then rented out our old place. The rent not only covers the old mortgage, it helps with the new one too. This approach isn’t for everyone, and being a landlord definitely has its own learning curve, but if you’re curious if it could work for you, send me a message. I’m happy to talk it through with you. —————— Forward Mortgage Group Educate. Communicate. Collaborate. We’ll help you move forward with confidence.

“What’s your rate?” That’s a fair question. But it’s not the only question, or even the right question. A client on a fixed income came to me ready to buy. They had $300K saved and figured they’d put it all toward the down payment and closing costs. When we ran the numbers, the monthly payment was in line with what they’d hoped. But just because it works doesn’t mean it’s the best option. Instead of using the full $300K, we got strategic. • $250K went toward the purchase • $10K bought down the rate • $8K paid off debt which freed up $500/month in cash flow Now their overall monthly spend is lower than expected, and they still have $32K in the bank. Same home. Stronger financial position. This is why a rate quote isn’t enough. The right plan can make a massive difference, especially when you’re working with someone who sees the full picture. If that’s what you’re looking for, I’d love to connect. —————— Forward Mortgage Group Educate. Communicate. Collaborate. We’ll help you move forward with confidence.

Don’t use yesterday’s solutions to solve today’s problems. I’ve been seeing a lot of people give and receive outdated advice when it comes to buying a home. They’re still trying to use strategies from 2020 to make good decisions in 2025. The problem is the market has changed and strategies and advice need to change with it. In 2020 people were rushing to buy a home, making rushed offers and being more impulsive because there was FOMO and they wanted to get that low rate. Honestly I’m not even sure some of them wanted the house as much as they wanted the rate. Today buyers have time to look at properties, consider their options, and make sure it feels like the right place at the right time. But we still see people trying to rush them through. (Maybe those people need the commission more than the buyer needs the house…) As the market has changed, so have strategies and there are smart ways to win in today’s market, on a timeline that works for your needs. If that’s the type guidance you want, when you’re ready, I’m here to help you move forward with confidence. —————— Forward Mortgage Group Educate. Communicate. Collaborate. We’ll help you move forward with confidence.

Thinking of buying in Denver? This is the market you’ve been waiting for! Prices are holding steady, not skyrocketing, so you’re not chasing a moving target. Inventory is up (43% more homes!), which means way more options to choose from. Homes are taking longer to sell, so you’ve got breathing room to think, negotiate, and not rush. And buyer activity is picking up, so if you’re ready, you’re not alone. It’s a sweet spot right now with more choices, less pressure, and room to make smart moves. If you’ve been on the fence, this is a moment worth exploring. Let’s chat about your next steps—DM me anytime. —————- Forward Mortgage Group Educate. Communicate. Collaborate. Helping You Move Forward With Confidence.

$500K hits different in Denver. When I bought my first townhome, my dad flew out, looked around, and said, “Where’s the rest of it?” He wasn’t being rude—just shocked. Back home $200K got you a nice house with a yard. But real estate isn’t one-size-fits-all and you can’t always compare one market to another. The reality is your first home doesn’t have to be your forever home. It doesn’t have to be huge. It just has to match your life, fit your lifestyle, and move you forward. Buying in a market like Denver can feel like a stretch—but it can also be a stepping stone. Real estate builds equity. Equity builds options. And that’s what gives you the freedom to grow into the life you want. You should love where you live and let your home grow with you. Let’s talk about how to make that first step work for you. —————— Forward Mortgage Group Educate. Communicate. Collaborate. We’ll help you move forward with confidence.