The Everetts Lending Blog
A divorce decree doesn't take your name off a mortgage. Here's what does: a refinance, a sale, or a release after an assumption, plus how a buyout refinance works in Colorado.
Page two looks like a phone bill, so most people file it unread. It's the only page where lenders actually differ — and three rules decide which numbers can move.
A rental gets financed under a different rulebook than the house you live in. Four things change, and the ones that surprise people are worth knowing before you start looking.
You sent everything. Two weeks later they want the same bank statement again. There's a rule underneath almost every re-ask — including one clock that runs to a date nobody tells you about.
The score your lender pulls isn't the one in your banking app. Here's what actually moves in 90 days, what quietly works against you, and the one date on your credit card statement that decides what gets reported.
Family help only counts if it's documented the way your loan program requires. Who can give it, what the gift letter needs, and why the order matters.
Business owners get told they don't make enough all the time — usually because the lender is reading a different number than they are. Here's which one.
Everything you need to know about buying a condo right now and what to look out for.
Buying a home from a family member? A gift of equity may allow an eligible seller to use some of the equity already in the home to help with your down payment and certain closing costs. Learn how it works and why planning ahead matters.
Straight answers on home loans across Colorado, from Navy Submarine Veteran Jimmy Everetts and the Everetts Lending Team.
