Rick Koble, Cherry Creek Mortgage, A Division of Guild Mortgage

In honor of International Dog Day, we're proud to introduce our top dogs and furry best friends. Check out the photos to meet them all!

Today and every day, let’s celebrate the joy that sharing our homes with our four-legged companions brings to our lives.
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If you're considering upgrading your home's curb appeal, consider that some renovations add more value than others when it's time to sell or refinance. Check out the Remodeling 2023 Cost vs. Value Report, which highlights the top projects for ROI in the Mountain West region:
www.remodeling.hw.net/cost-vs-value/2023/mountain/
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Plus, we have options to help you finance them. Ready to fund your home upgrade list? Talk to us today!

Trend Alert: Multi-generational homebuying is on the rise! In 2023, 14% of all home buyers purchased property to accommodate older relatives, adult children, or other unique family dynamics.
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While some may have concerns about being too close for comfort, there are many home types that accomodate both togetherness and separation. Plus, there are many benefits that make multi-generational buying worth considering. Talk to us about your options!

For nearly 60 years, Guild Mortgage has partnered with builders and worked toward a common goal—to make homebuyers happy.
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We offer an array of benefits to both builders and new construction buyers, plus a range of loan options to match each buyer's situation. Contact us to learn more!

Pre-qualification vs. Pre-approval—what's the difference? Take a look at some of the differences and similarities, and let us know if you'd like to discuss these early stages of the home-buying process.
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The homebuying process can seem daunting, but our team is here to help you every step of the way. Contact us to get started!

Self-Employed? You need to hear this: being a business owner does not disqualify you from getting a mortgage, it just means you'll need to provide a bit more information to ensure we accurately assess your income and find the perfect loan for you.
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Questions about your homeownership goals as a self-employed borrower? Contact us for personalized guidance tailored to your specific situation.

Our company has consistently ranked high in customer satisfaction and loan officer satisfaction. That's no coincidence. With over 60 years in lending, and prioritizing innovation and excellence, we have the foundations and forward-thinking culture in place to meet today's homebuyers' needs.
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Shop for a home with confidence — contact us to learn more!

A reverse mortgage loan allows borrowers over age 62 to access their home equity and turn it into tax-free cash — while retaining homeownership and residency.
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Some of the top benefits of a reverse mortgage:
1. Convert your home equity into cash
2. No monthly mortgage payments.*
3. Use the funds for anything you choose.
4. Retain ownership of your home.
5. Flexible ways to receive funds.
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Could you or someone you know benefit from a reverse mortgage?
We can help! Contact us today!
*Borrowers must maintain the property and keep current property taxes, homeowner’s insurance, and HOA dues.

Wishing all of our clients, friends, and followers a safe and enjoyable Fourth of July!
🇺🇸 💙 🎆

Wishing a joy-filled day to all the incredible dads. May your day be filled with love, happiness, and appreciation! Whoever is "Dad" to you — here's to them!
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Happy Father's Day!

Move your listing from 'for sale' to 'sold' with a buydown. 🏡 ✅
Our buydown options utilize a seller credit to 'buy down' the interest rate. Seller buydowns can help get things moving by making your listing more affordable without lowering the value.
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Questions? Contact us today for personalized guidance tailored to your specific situation.

You don't need to wait for interest rates to come down to purchase your next home. With the Payment Protection Program, you can buy today, refinance later, and we'll waive our fees.
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The Payment Protection Program is part of our Homebuyer Protection 4-Pack of Guarantees, designed to provide added protection and peace of mind during the mortgage process.
💬 Contact us to learn more!

On Memorial Day and always, we honor America's fallen servicemen and service women. 🇺🇸
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If you found the perfect fixer-upper but need extra cash to cover the renovation expenses, a renovation loan can help make your dream home a reality.
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Curious about what renovation loans are available to you and how to secure financing options as a borrower? Look no further! We’re your trusted local mortgage expert who can help you find the right loan options for your situation. Contact us today!

Wishing a Happy Mother's Day to all the multitasking, motivating, magnificent moms out there. May your day be filled with those you love. 💜
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Whoever is "Mom" to you — here's to them!
Happy Mother's Day!

We're celebrating Teacher Appreciation Week! 📚 ✏️ 💙
Research from the National Association of Realtors (NAR) highlights the many non-financial benefits of owning a home, including the correlation between homeownership and academic performance. Still, we need to recognize the crucial role of our outstanding educators.
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We can all relate to ‘having that one (or many) teacher(s) that shaped our lives and positively impacted our journey,’ — so let’s all take a moment and share our gratitude and appreciation for teachers everywhere.

Happy Cinco De Mayo!

Simplify the process of buying a home and making it more sustainable by including the cost of energy-efficient home improvements into your loan. Our GreenSmart Advantage Program helps you get a head start on your energy savings. Homebuyers save more by lowering utility costs with sustainable home features by choosing all new appliances from The Home Depot®.
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🏡 Ready to simplify your path to sustainable homeownership?
💬 Contact us to learn more!

Spring is the time for planning and projects! 🏡 With a renovation loan, you can make home improvements now and pay for them over time. Upgrade your current home or take on a fixer-upper using your preferred contractor. With both conventional and government options, homeowners can easily finance eligible home improvements in a single transaction.
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Ready to fund your home upgrade list?
💬 Talk to us about your options!

Reduced home buyer's payment for the first year!
Our exclusive Payment Advantage Program lowers a buyer's rate by 1% for the first year on us!
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With Payment Advantage, eligible home buyers can:
➡️ Lock in a Conventional mortgage and we will pay 1% of the interest rate for one year with a lender paid temporary buydown
➡️ Receive a predictable payment increase after year one.
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Contact us to learn more!
For the Payment Advantage program's full terms and conditions, visit www.guildmortgage.com/mortgage-loans/payment-advantage-program/

As long as you occupy your second home for more than 14 days a year, you may qualify for these second home tax breaks. Many second home tax benefits are similar to those of a primary residence, but depending on how you use the property, you may also be able to claim a few additional perks.
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Be sure to consult a licensed tax professional to better understand how second home tax laws might affect you come tax time, and consider reviewing tips from the IRS on rental real estate income, deductions, and record keeping.
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https://www.irs.gov/businesses/small-businesses-self-employed/tips-on-rental-real-estate-income-deductions-and-recordkeeping
Disclaimer - This does not constitute tax advice. Borrowers should consult their own tax advisers regarding the tax consequences and deductibility of mortgage interest and/or property taxes

Lock & Shop is part of our exclusive Home Buyer Protection Package! 🔐 🏡
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Lock & Shop lets you lock in your rate while you search for the home that fits your life. What if rates go down? Our one-time float-down option has you covered.
➡️ Shop for a home with confidence — contact us to learn more!

We’re looking forward to the 2024 Colorado Baseball season! ⚾
Mark your calendars — Home Opening Weekend is April 5 - 7, 2024 at Coors Field!

As a homeowner, you might be able to itemize deductions and claim a significant number of tax breaks based on your home!
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Homeowners: don’t forget to consider the exemptions and common deductions that come with homeownership. Consult with your tax advisor to understand the details and maximize your options.
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Considering a home purchase? Add this to your reasons why and then let’s talk about potential benefits and your options for your next chapter.
Disclaimer - This does not constitute tax advice. Borrowers should consult their own tax advisers regarding the tax consequences and deductibility of mortgage interest and/or property taxes

We're celebrating women & homeownership for
Women have continuously entered homeownership on their own and are finding a way to do so at a significant rate. Today and historically, single women make up the second largest share of home buyers (only second to married couples). This statistic is particularly impressive because up until 1974, women were legally prohibited from obtaining a mortgage without a co-signer.
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🏡 💚All the Single Ladies...Are Buying Homes!
Are you next? Let’s discuss your options – contact us today!

Whether we know them, are them, or raise them — today, we celebrate empowering women everywhere.

Own a home and shopping for a new one? Our bridge loan creates options to sell after you buy!
Key Benefits to our Borrowers:
> Provides borrowers the ability to make a non-contingent offer on a new home
> Homeowners can act faster and make an offer before someone else buys their dream home
> Great solution for homeowners needing to relocate for work or retirees
> Reduces stress of a new home purchase
> Helps borrowers make the leap to a new home with a seamless process
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Questions about your homeownership goals or if a bridge loan could be a good fit?
Contact us today.

Do you have student loan debt and either own a home now or plan to buy a home in the future? We may be able to leverage your home equity or a portion of your down payment funds to allocate your wealth and manage your student loan debt!
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💸 🏡 When you finance a home with us, we look at your complete financial picture to develop a personalized strategy that fits your situation. Talk to us about strategies for reducing the burden of student loan debt. These tactics may not be suitable for everyone – but if you have student loan debt, it's worth a conversation to find out!
➡️ Contact us today!

Our exclusive Home Buyer Protection Package let's you shop for your home with confidence! Designed to smooth the uncertainties of today's housing market, you can rest assured your purchase is protected with the program's 4-pack of guarantees.
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Becoming a homeowner is more enjoyable with a mortgage partner you can count on. Let's talk!