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

Mortgage Unhappiness

The only thing we do for a living is sell mortgages, and naturally, we talk to a lot of people about mortgages.  One thing we have noticed over the years is that many people are unhappy with the mortgage they currently have.  Here are the main reasons people are unhappy with the mortgage they have, and […]

Leverage your Mortgage and Improve your Finances

If you own a house in the Denver area, you probably have some equity built up in that house.  House values have gone up for years and they continue to go up, with no end in sight.  You can leverage your mortgage and improve your financial picture. As a homeowner, you are making money, but […]

You Can Have More than One VA Loan

If you are a veteran or in the active military, Reserves, or National Guard, you may qualify for a VA loan.  VA loans are the best option for anyone who qualifies for one. There is no down payment requirement, there is no mortgage insurance, and the rates are lower than they are for other types […]

Self-Employed Tax Returns

The underwriting guidelines for self-employed mortgage borrowers are different than they are for W2 employees.  Calculating W2 income is relatively straight forward. In most cases, your current W2 income is used to qualify for a loan.  However, self-employed borrowers (and anyone who receives a 1099 instead of a W2 at the end of the year […]

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