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

Cryptocurrency and FHA Mortgage Insurance

We have two pieces of news for you today.  One is about whether you can use cryptocurrency as an asset when qualifying for a mortgage, and the other is about FHA mortgage insurance. Here’s what you need to know. What is cryptocurrency? Cryptocurrency is a digital currency, meaning there is no physical bill or coin.  […]

Home Inspection Problems

As a homebuyer, what are your options if the home inspection reveals problems with the house?   Here’s what you need to know. Home Inspection vs Appraisal First of all, it’s important to know the difference between a home inspection and an appraisal.  A home inspection is done to determine the condition of the house (but […]

COVID Stimulus Payments and Mortgages

We are getting a lot of calls asking if people can use their COVID stimulus checks and their income tax refunds as soon as they receive them, or if there is a waiting period before those funds can be used to buy a house. Here’s what you need to know. Documentation In order to count […]

A Refinance Tip You Might Not Know

Did you know that if you refinance your mortgage and get some cash so you can consolidate your high-interest debt, we do not have to count that debt in your debt-to-income ratio (DTI) if it will be paid off at the closing? Here’s what you need to know. Refinancing Your Existing Mortgage Refinancing your existing […]

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