The Everetts Lending Blog
If you’ve served our country, you’ve earned more than a handshake. A VA home loan can be one of the most powerful benefits available to eligible veterans, active-duty service members, and surviving spouses. Here’s how it works — and what to know before you use it.
HOA fees are common in the Denver metro area — especially with condos and townhomes. Here’s what buyers should know about costs, rules, financial health, and how HOAs can impact your mortgage approval.
Thinking about upgrading but don’t want to give up your low interest rate? Here’s what happens to your mortgage if you move and keep your current home as a rental — including occupancy rules, qualifying for your next loan, and how rental income can offset your current payment.
Property taxes can feel confusing and stressful, especially when they change. Here’s a clear, no-panic breakdown of how property taxes really work and what homeowners should expect.
From accepted offer to closing table, here’s what really happens during the home-buying timeline — and how the right lender can help you close faster without cutting corners.
Seller concessions can do more than lower your cash-to-close. When used for a temporary or permanent rate buydown, the same $10K can often reduce your monthly payment more than a $10K price cut.
If you’re shopping homes based on price alone, you’re doing it the hard way. Here’s how to reverse-engineer your home search from a monthly payment you can actually live with.
First-time buyers aren’t buying at 28 anymore. The typical first-time buyer is now 40—and it’s a direct reflection of today’s affordability math, not a personal failure.
Old-school homebuying advice can keep you stuck or push you into a payment that doesn’t fit. Here are the most common “rules” we still hear—and the real-world guidance that works in today’s market.
Straight answers on home loans across Colorado, from Navy Submarine Veteran Jimmy Everetts and the Everetts Lending Team.
