When is the Best Time to Lock?
Updated Oct. 27, 2014
Interest RatesWhen is the Best Time to Lock?When it comes to mortgage loans and interest rates, it's never a good idea to gamble. That's why I typically advise my clients to lock in an interest rate at the earliest opportunity. This is just one step of the standardized system we have put in place to ensure...

Understanding the Home Appraisal Process
Updated Oct. 24, 2014
Understanding the Home Appraisal ProcessConsumers are often baffled by the home appraisal process. They may feel their home is worth a certain dollar amount, and therefore, the appraised value doesn't make sense to them. It is important to know that appraisal guidelines are dictated by the lenders. In...

Shopping For The Right Mortgage
Updated Oct. 9, 2013
Finding a mortgage that's right for you should be easy. But there are often many different programs to choose from, as well as a myriad of ways to structure the loan in terms of the amount, term, payment, rate, closing costs...the list of options may seem endless.. However, because there are so many options...

Choosing the Right Real Estate Agent
Updated Oct. 9, 2013
Choosing the Right Real Estate AgentChoosing the right person to represent you in negotiating your home purchase is a major decision. Whenever you see the designation of REALTOR(R) (with a registered trademark) you can rest assured that person is a member of the NATIONAL ASSOCIATION OF REALTORS(R) (NAR), and...

Credit Scores: Why Should I Care?
Updated Oct. 9, 2013
Credit Scores: Why Should I Care?. It's not just banks and lenders that rely on credit scores to help make important credit decisions. Landlords, employers, insurance companies, and even cell phone and other utility companies all reportedly utilize credit scores to help determine their business and...

Credit Scores: Why Should I Care?
Updated Oct. 9, 2013
Credit Scores: Why Should I Care?. It's not just banks and lenders that rely on credit scores to help make important credit decisions. Landlords, employers, insurance companies, and even cell phone and other utility companies all reportedly utilize credit scores to help determine their business and...

Introduction to Rob Koellner
Updated Oct. 9, 2013
Please watch my brief 30 second video so you can get acquainted with myself and Excel Financial Group. My goal is to make this process simple, painless and get you the best rates and programs available.. http://robkoellner.com/wordpress/?page_id=32. ( Click the photo or link). ONLINE mortgage quotes get you...

Ten Mistakes You Can't Afford When Buying a Home
Updated Oct. 9, 2013
Ten Mistakes You Can't Afford When Buying a Home. Buying a home is complex enough but when it comes to financing, you need to make sure you are as prepared as possible in order to get a loan. Rob Koellner can help you through the process and make it as streamlined as possible.. There are a number of mistakes you can...

Shopping for the Right Mortgage
Updated Oct. 9, 2013
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Advantages Of Using A Mortgage Broker
Updated Oct. 9, 2013
Advantages Of Using A Mortgage BrokerWhen you begin your search for a new home or refinance, one of the first things to consider is where you'll get the money. One of the best choices you can make is speaking with a mortgage broker.Your first instinct may be to go with your local banker, because you know them...

Quick Tips for Getting Started on Your Home Purchase
Updated Oct. 9, 2013
Quick Tips for Getting Started on Your Home Purchase. Buying a home can be a complex process, but it doesn't have to be. With a little preparation, you can save a lot of time and hassle by having all of your documents ready when your mortgage professional needs them.. To start with, the lender will need personal...

What Lenders Look for in Home Loan Applications
Updated Oct. 9, 2013
<h2 align="center">What Lenders Look for in Home Loan Applications</h2>. Once your loan application is filled out and sent to the lender for review, the first thing they will look for is your ability to pay back the loan you are requesting. My team and I have a streamlined loan process to help you get...

Five Reasons to Refinance Your Mortgage
Updated Oct. 9, 2013
There is an old adage in the mortgage business that states that if you can improve your interest rate by at least two percentage points, then it is a good time to refinance. While that may work as a general rule of thumb, the truth is that there are many reasons to refinance. Here are a few:. Lower your interest rate.....

Jumbo Home Mortgage Loans
Updated Oct. 9, 2013
 .   Jumbo mortgages are used to purchase high-priced homes that require larger than normal loans. While they're convenient, they also charge slightly higher interest rates. Since the dollar amount that defines a jumbo mortgage is redefined each year, it's subject to change.Bigger isn't always...

Real estate for sale Colorado - 5 Reasons Why NOW is the Time to Buy a Home
Updated Oct. 9, 2013
5 Reasons Why NOW is the Time to Buy a Home. Many potential buyers are still waiting in the wings, not sure that now is the time to buy a house. They are often afraid of buying before the market has fully recovered, and are concerned that they may lose out if they jump in too early. Here are 5 reasons they should buy NOW and...

Ten Mistakes You Can't Afford When Buying a Home
Updated Oct. 9, 2013
Buying a home is complex enough but when it comes to financing, you need to make sure you are as prepared as possible in order to get a loan. Rob Koellner can help you through the process and make it as streamlined as possible. There are a number of mistakes you can make along the way of getting your loan approved. Here are...

6 Ways the Government Shutdown Affects Home Loans
Updated Oct. 9, 2013
The last time we went through a government shutdown in 1995, it was a pain, but not a panic. With Monday's news that the government is in the midst of a shutdown, it's important to remember that all mortgages purchased and securitized by Fannie Mae and Freddie Mac will not be affected, since their...

Prequalify for a home mortgage in Colorado
Updated Oct. 9, 2013
Buying a home can be a complex process, but it doesn't have to be. With a little preparation, you can save a lot of time and hassle by having all of your documents ready when your mortgage professional needs them.To start with, the lender will need personal information to verify employment for you and your...

Biggest Credit Myths, Mistakes, and Misconceptions
Updated Feb. 12, 2016
Excel Financial Group. Robert L. KoellnerFHA, VA,USDA, JUMBO and Conventional Home Mortgage Loans.Northern Colorado and Crested Butte / Gunnison . Email: Rob_Koellner@ExcelFG.com. Website: www.RobKoellner.com. https://loanzify.com/get/pzr/ Get Rob Koellner's FREE mobile phone app for expert...

USDA Program Makes "Rural" Homes More Accessible
Updated May. 5, 2017
http://www.robkoellner.com/usda.html. USDA Program Makes "Rural" Homes More Accessible. One of the biggest difficulties many first-time homebuyers face is a lack of down payment and the necessary funds for closing costs. However, even with the widespread availability of "no-money-down programs"...