Home warranties promise cheap fixes for whatever breaks — the reality is service fees, coverage caps, and exclusions. An honest look at what home warranties cover, when one makes sense, and the alternative that usually wins.
A letter says your mortgage was sold or transferred to a new servicer. Don't panic — nothing about your loan changes. What a servicing transfer is, the 60-day protection rule, and the checklist for a clean handoff.
Your rate is fixed, but your payment went up? That's your escrow analysis. Here's how escrow accounts work, why shortages happen, and what your options are when the annual statement lands.
After closing, your mailbox fills with official-looking letters — "mortgage protection insurance," deed-copy offers, fake payment notices. Here's how to tell what's real, what's junk, and what's a scam.
Just closed on a home? Here's exactly what happens in your first 90 days — your first payment, the servicer transfer that surprises everyone, which documents to keep, and the deadlines that matter.
The 719 Homeowner Library is your plain-English owner's manual for after closing — 19 guides covering escrow, equity, PMI, property taxes, insurance, title fraud, and moving up.
Nine construction loan myths debunked with agency sources: FHA 3.5% down, VA and USDA $0 down, draw schedules, rate float, and owner-builder rules in Colorado Springs.
How to finance a new manufactured or modular home in Colorado Springs. Modular vs HUD-code manufactured, plus FHA, VA, USDA, Fannie and Freddie rules.
A stage-by-stage construction loan timeline for Colorado Springs and El Paso County buyers, from pre-approval to move-in, with realistic durations and agency rules.
The financing roadmap for building a home in Colorado Springs and El Paso County: land, loan programs (VA, USDA, FHA, conventional), builders, and the path to move-in.