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Recent Posts
- My CPA Saved Me $20,000 and Cost Me My Pre-Approval: A Colorado Springs Story
- Newly Self-Employed in Colorado Springs? The 2-Year Rule Has an Exception
- VA Minimum Property Requirements: The Real List (Updated 2026)
- VA Tidewater: What to Do When the Appraiser Calls With Bad News
- The VA Appraisal: How It Works, What It Costs, and What Can Go Wrong
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My CPA Saved Me $20,000 and Cost Me My Pre-Approval: A Colorado Springs Story
A Colorado Springs business owner wrote off $80,000 and lost a pre-approval. How lenders read your tax return, and the loan that uses deposits instead.
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Newly Self-Employed in Colorado Springs? The 2-Year Rule Has an Exception
Started a business in Colorado Springs less than two years ago? You may still qualify. The real 2-year rule, the exception, and what a local file needs.
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VA Cash-Out Refinance: The Rules Most Lenders Get Wrong
VA cash-out refinance explained: 100% loan-to-value, Type I vs Type II, seasoning, funding fee, and the cash rules. Straight from the VA handbook.
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Departing Residence Rental Income: Fannie Mae’s 2026 Rules
Buying a new home and renting out your old one? Fannie Mae’s updated rules say no lease agreements — here’s what counts and how the math works.
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Need Cash From Your Home? Don’t Give Up Your 3% Mortgage to Get It
A cash-out refinance replaces your entire mortgage at today’s rates. A HELOC leaves your low rate alone. Here’s how to tell which one wins.
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Waiting for the Fed to Cut Rates? That Wait Has a Price Tag
Waiting months for a possible rate cut while paying 20%+ on credit cards costs real money. Here’s the math on acting now vs. waiting.
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Gifting a Down Payment to Your Child: The Inheritance That Works 30 Years Early
Gifting a down payment to your child is the most misunderstood move in family finance. Research on inheritance timing keeps finding the same thing: the money lands on people already in their 50s and 60s — stable, settled, and long past the years it would have changed. Meanwhile the same family’s kid is 30, married,…
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Moving Back Home Isn’t Failure — It’s a Down Payment Strategy
Living with parents to save for a house is now the most common housing move for young adults in America. The Wall Street Journal just reported that nearly half of adults under 30 live with a parent — and called it financial savvy, not failure. They’re right. Rent is up about 30% in five years.…
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Buy Before You Sell: Using a HELOC for the Down Payment on Your Next Home
The Buyer’s Dilemma You found the next home. You want to move on it now. But most of your money is locked up in the home you already own. The right home doesn’t wait. And in most markets, contingent offers — offers tied to the sale of your current home — get pushed aside. Sellers…
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An Unplanned Jumbo Purchase, a Recast Strategy, and a CTC
A family in Colorado Springs wasn’t planning to move. Then the right home came up at the right price. They had a lot of equity locked in their current house — but no buyer yet, no sale under contract, and no plan. Most people in that spot either wait or write a contingent offer. Both…
