Your Local Mortgage Lender
Located in Colorado
Personalized Mortgage Experience
Mauricio Perez offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Colorado.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
2026 market shift: more leverage for buyers
The 2026 market is rewarding prepared buyers
If the last few years felt like you had to rush, waive everything, and still lose out, you are not alone. Heading into 2026, the housing market is trending toward a more balanced, buyer-friendly environment in many areas. That does not mean homes are suddenly cheap or that every listing is a bargain. It means the process is getting more normal, and buyers who plan well can negotiate more effectively.
I’m Mauricio Perez, and here’s what is driving buyer behavior right now, plus how you can use it to your advantage.
1) Inventory is improving, and that changes everything
When inventory rises, buyers get options. Options create leverage.
Realtor.com projects active listings will continue to grow in 2026, extending the inventory recovery for another year. That is a big reason we are seeing fewer bidding wars and more room for negotiation. (Source: https://www.realtor.com/) Realtor+1
Redfin data also points to a buyer-leaning setup in many markets, with sellers outnumbering buyers nationally in recent readings. When there are more sellers competing for fewer buyers, concessions and price flexibility tend to increase. (Source: https://www.redfin.com/) Redfin+1
What this means for you:
You can be more selective about location, layout, and condition
You may be able to negotiate repairs, closing costs, or rate buydowns
You have a better shot at keeping important protections like inspections
2) Rate expectations are influencing timing decisions
Many buyers are watching rates and hoping for a drop. The key is that most major forecasts call for modest movement, not a dramatic plunge. Meanwhile, weekly mortgage-rate averages can still move up and down, so the best plan is to stay flexible and focus on overall affordability.
Freddie Mac’s weekly Primary Mortgage Market Survey is a helpful baseline for understanding where conventional rates have been trending recently. (Source: https://www.freddiemac.com/) Freddie Mac
NAR’s economists have also discussed expectations for 2026, including the idea that rates may improve gradually rather than quickly. (Source: https://www.nar.realtor/) nar.realtor+1
What this means for you:
If you find the right home at the right terms today, waiting for a small rate improvement can backfire if prices rise or competition increases in your neighborhood. A smarter approach is to:
Buy based on monthly payment comfort
Negotiate strong terms
Keep an eye on refinance opportunities later if rates improve
3) Lifestyle is driving purchase decisions more than ever
Buyers are prioritizing how a home functions day to day. That means:
Dedicated home office space
Flexible layouts for multigenerational living
Rental income potential like an ADU, basement unit, or duplex style living
This shift matters because it changes what “value” means. Two homes at the same price can feel very different depending on layout and flexibility. In a more balanced market, you can slow down and choose the home that fits your real life, not just the one you can win in a bidding war.
How to win in a buyer-leaning 2026 market
Here is the playbook I recommend for buyers who want leverage:
Get clear on your numbers before you shop
Know your comfortable payment range, not just your maximum approval.
Get fully prepared
Pre approval, documentation ready, and a clean strategy for down payment and reserves.
Target negotiable listings
Look for homes with longer days on market, price reductions, or sellers open to concessions. (Source: https://www.redfin.com/) Redfin
Negotiate the right things
Price is only one lever. Closing costs, repairs, warranties, and rate buydowns can matter just as much.
Your 2026 game plan starts with a quick conversation
2026 is shaping up to be a market where strategy matters more than speed. If you are thinking about buying or refinancing, I can help you build a simple plan based on your goals, timeline, and budget.
Reach out to Mauricio Perez and I will help you map out next steps.
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