Helping You Make Homeownership a Reality With a Mortgage That Fits Your Goals
If you’re looking to buy a home, you’ve come to the right place.
I am committed to finding the best mortgage solution for your unique situation.
WHETHER YOU’RE A…
First-time homebuyer
Looking to upgrade to a larger home
Moving for another reason
I have a wide range of mortgage products to meet your needs.
I understand that buying a home is a big decision and it can be overwhelming. That’s why I’m here to guide you through the process, from pre-approval to closing.
My goal is to make the process as smooth and stress-free as possible, so you can focus on finding the home of your dreams.
WORKING WITH DEBBIE
The Buying Process
So you’ve decided to purchase a home! This can be both exciting and overwhelming.
Here is how I can help you keep the process stress-free:
STEP ONE:
Contact Me
This can look a lot of different ways: call, text, walk-in, email… I’m flexible and really responsive so pick the option that is your preferred contact method!
STEP TWO:
Plan
Together we will discuss your goals, down payment options, a comfortable monthly payment, and several strategies to achieve your goals.
STEP THREE:
Secure Your Loan
I’ll help you confidently find the most competitive rates and closing costs without compromising on the overall experience
OVER 250+ REVIEWS
See What Clients Are Saying:
“Debbie was excellent!”
She helped at every step and would definitely recommend anyone looking for a mortgage to talk with her!
~ Matthew B.
Meet Your Go-To Mortgage Banker
After 20+ years in the mortgage industry, I can help you secure the best mortgage for your unique situation. I’ve helped hundreds of families secure mortgages and I would be honored to help you do the same.
When you work with me, you gain access to a mortgage expert who provides a personalized experience with big bank possibilities.
I am a fourth-generation native of Colorado. I opened The Mortgage Co. branch in Cañon City to ensure that clients still have the option of coming in and meeting their mortgage lender face to face.
WHEN YOU CHOOSE TO WORK WITH ME
You Can Expect
Competitive rates and terms
Personalized service from an experienced loan officer
Transparent and honest communication
Looking For More Information on How the Buying Process Works?
The mortgage process typically involves several steps in order to obtain a loan to purchase a home.
Here are the general steps involved:
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First, we will discuss your payment and downpayment goals. Then we will begin an application online, over the phone, or in person. We may need to review documents related to your credit, income and assets to determine eligibility including how much you may qualify for, estimated interest rate, payment, and down payment.
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Myself, and The Mortgage Co., will review your financial information, credit history, and other factors to determine if you are eligible for a loan. If you meet the criteria, you will receive a loan approval, which specifies the amount of the loan, the interest rate, other terms and conditions, and how much you can borrow.
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Your Pre-Approval does not expire, however, we may need to update certain credit, income, and asset documents depending on your timeline for purchasing.
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We will meet in person to sign the loan documents and finalize the transaction.
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Once the loan is closed, you will begin making monthly payments to the lender to repay the loan. The length of the loan and the amount of each payment will depend on the terms of the loan agreement.
But don’t let any of this intimidate you. I will walk you through every step of the process!
“The best investments in life are yourself and real estate".”
SECURING A MORTGAGE CAN BE CONFUSING
Most Frequently Asked Questions
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A mortgage broker acts as a middleman between you and multiple lenders, while a lender is an institution that actually lends you the money to buy the property. At The Mortgage Co. (the company I work for), we are a lending company that also has underwriters and processors are in-house.
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As soon as you think you might want to buy a home. I would suggest reaching out before you even contact a real estate agent!
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Depending on the type of loan, The Mortgage Co., has a team of in-house underwriters and processors who work collaboratively to determine loan eligibility.
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The mortgage you can afford depends on your debt-to-income ratio and other factors. I’m happy to help you calculate a number that fits your situation.
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You will typically need to provide proof of income (W2s, paystubs, retirement income, etc.) and proof of any other assets you own. Additionally, your credit report will be pulled.
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The mortgage application process can take anywhere from a couple of weeks to several weeks, depending on your individual circumstances.
Are You Ready To Buy Your Next Home?
If you’re ready to break up with renting, upgrade to a bigger home, or need to move for another reason, you can trust me to help you every step of the way.