Join Our Next Class!

We know that finding information online is helpful, but sometimes you need a place to ask questions and talk to a real person. Our in-person classes are designed to be engaging and insightful, and to empower you with the knowledge you need to make the best financial decision regarding your next home purchase. Browse our courses below to see which one best fits your needs.

January 17, 2019 at Colorado Free University:

How to Not Get Ripped Off When Buying a House

Getting a mortgage can be a daunting experience. There are plenty of laws to protect the consumer, but there are also quite a few people in the mortgage industry who ignore the laws and take advantage of homebuyers. Chris Thomas of America’s Mortgage offers this free class to help you avoid getting ripped off. Some of the topics covered include how the money flows in the mortgage industry, why interest rates go up and down, how lenders get paid, understanding closing costs, and how to spot the common mortgage rip-offs and avoid them. Class is free, but you must register to attend.

December 12, 2018 at Colorado Free University:

Get Your Home Loan Approved! FAQs of Mortgage Underwriting

The mortgage approval process is called “underwriting” and everyone who wants a mortgage needs to know how a loan is approved. This class will arm you with the crucial knowledge you need to talk to a bank or mortgage broker. When you leave this class, you will know the answers to the following questions and much more: What credit score do I need, and how do I get that score? How much is the down payment? Can someone give me the money for the down payment? How much money do I need in the bank? Can I still get a loan if I had a bankruptcy or foreclosure? How long must I have a job? Does my part-time income count? If my spouse has bad credit, can I still get a loan? How much debt can I have? What kind of documentation do I need to show the lender? Do I always need an appraisal? Does the house have to be in perfect shape? Why does my real estate agent want me to be “pre-approved” for a mortgage before showing me houses? Chris Thomas is licensed by Colorado as a mortgage loan originator. He and his wife (a former underwriter) are some of the top producing mortgage bankers in the state. Class is free but you must register to attend.

November 14, 2018 at Colorado Free University:

How to Not Get Ripped Off When Buying a House

Getting a mortgage can be a daunting experience. There are plenty of laws to protect the consumer, but there are also quite a few people in the mortgage industry who ignore the laws and take advantage of homebuyers. Chris Thomas of America’s Mortgage offers this free class to help you avoid getting ripped off. Some of the topics covered include how the money flows in the mortgage industry, why interest rates go up and down, how lenders get paid, understanding closing costs, and how to spot the common mortgage rip-offs and avoid them. Class is free, but you must register to attend.

Stay In The Loop:

If you’d like to be notified of upcoming classes and seminars sign up for our email list and we’ll let you know as soon as they’re announced!

Our Most Recent Event:

Big thanks to everyone who made it!

HOMEBUYER SEMINAR:

WHAT DO RISING INTEREST RATES MEAN FOR MY OPTIONS?

This small-format class is a great opportunity to learn about lending options available for buying a first home or cashing in and moving up in the Denver market.

  • Wednesday, August 15th
  • 6:30 – 7:30 PM
  • Shift Workspaces at 1001 Bannock St. Denver

Stay In The Loop:

If you’d like to be notified of upcoming classes and seminars sign up for our email list and we’ll let you know as soon as they’re announced!

Our Most Recent Event:

Big thanks to everyone who made it!

HOMEBUYER SEMINAR:

WHAT DO RISING INTEREST RATES MEAN FOR MY OPTIONS?

This small-format class is a great opportunity to learn about lending options available for buying a first home or cashing in and moving up in the Denver market.

  • Wednesday, August 15th
  • 6:30 – 7:30 PM
  • Shift Workspaces at 1001 Bannock St. Denver

January 17, 2019 at Colorado Free University:

How to Not Get Ripped Off When Buying a House

Getting a mortgage can be a daunting experience. There are plenty of laws to protect the consumer, but there are also quite a few people in the mortgage industry who ignore the laws and take advantage of homebuyers. Chris Thomas of America’s Mortgage offers this free class to help you avoid getting ripped off. Some of the topics covered include how the money flows in the mortgage industry, why interest rates go up and down, how lenders get paid, understanding closing costs, and how to spot the common mortgage rip-offs and avoid them. Class is free, but you must register to attend.

December 12, 2018 at Colorado Free University:

Get Your Home Loan Approved! FAQs of Mortgage Underwriting

The mortgage approval process is called “underwriting” and everyone who wants a mortgage needs to know how a loan is approved. This class will arm you with the crucial knowledge you need to talk to a bank or mortgage broker. When you leave this class, you will know the answers to the following questions and much more: What credit score do I need, and how do I get that score? How much is the down payment? Can someone give me the money for the down payment? How much money do I need in the bank? Can I still get a loan if I had a bankruptcy or foreclosure? How long must I have a job? Does my part-time income count? If my spouse has bad credit, can I still get a loan? How much debt can I have? What kind of documentation do I need to show the lender? Do I always need an appraisal? Does the house have to be in perfect shape? Why does my real estate agent want me to be “pre-approved” for a mortgage before showing me houses? Chris Thomas is licensed by Colorado as a mortgage loan originator. He and his wife (a former underwriter) are some of the top producing mortgage bankers in the state. Class is free but you must register to attend.

November 14, 2018 at Colorado Free University:

How to Not Get Ripped Off When Buying a House

Getting a mortgage can be a daunting experience. There are plenty of laws to protect the consumer, but there are also quite a few people in the mortgage industry who ignore the laws and take advantage of homebuyers. Chris Thomas of America’s Mortgage offers this free class to help you avoid getting ripped off. Some of the topics covered include how the money flows in the mortgage industry, why interest rates go up and down, how lenders get paid, understanding closing costs, and how to spot the common mortgage rip-offs and avoid them. Class is free, but you must register to attend.

Learn More About Home Loans on Our Blog

Student Loans and Mortgages

Many people have student loans, and very often, they think those student loans will affect their ability to qualify for a mortgage. Here’s what you need to know about student loans. Student Loans and Mortgages Student loans have to be paid back, just like other forms of debt.  But having student loans does not necessarily […]

Myths on Money Down

According to the Urban Institute, a nonprofit research organization, 66% of its study respondents believe they need to put more than 20% down for a mortgage. That means 66% of them are wrong! If you are buying a primary residence (a house you intend to live in), then all you need is 5% down for a conventional […]

Getting the Lowest Interest Rate

Everyone wants to get the lowest interest rate for their mortgage, but how do you get the rates you see advertised on the internet, in the paper, on the TV or radio, etc.? Here are some tips to help you get the lowest rate possible. Interest Rate Factors There are many things that determine what […]

Time to Refinance

Interest rates are lower than they have been in a year right now, and many people are thinking of refinancing their current mortgage to get rid of mortgage insurance, lower their payment, take some money out to consolidate credit card debt, pay for home improvements, etc. So when is the right time to refinance? Lenders […]

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