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logo
  • Home
  • Home Purchase
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  • Calculators
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    • Loan Process
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Recent Articles

Should I Buy a House Now or Wait?
Aug
10
2026
Should I Buy a House Now or Wait?
Most people already believe buying a home comes down to one question: What will mortgage rates do next? It rarely does. The bigger question is what happens to your finances, home prices, rent, and competition while you wait. For many buyers, 2026 presents a different kind of...
Read More...
Why Homes Near a University Can Be a Smart Buy
Aug
03
2026
Why Homes Near a University Can Be a Smart Buy
When searching for a home, buyers often focus on square footage, school districts, or commute times. While those factors certainly matter, location remains one of the biggest drivers of a home's long term appeal. One location that consistently deserves a closer look is a neighborhood...
Read More...
Should You Sell Your Current Home Before Buying a New One?
Jul
27
2026
Should You Sell Your Current Home Before Buying a New One?
If you are planning to move into a new home, one of the biggest decisions you will face is whether to sell your current home first or buy your next home before selling. It sounds like a simple question, but the answer depends on your finances, your available equity, and the conditions in your...
Read More...
Hazard Insurance vs Homeowners Insurance
Jul
20
2026
Hazard Insurance vs Homeowners Insurance
One of the most common points of confusion during the home buying process happens just before closing. A buyer believes they have purchased homeowners insurance, only to hear they still need hazard insurance. That can be frustrating, especially after weeks of paperwork and planning...
Read More...
Medical Debt Doesn't Kill Approval
Jul
13
2026
Medical Debt Doesn't Kill Approval
Finding an old hospital bill on your credit report can be alarming, especially if you're planning to buy a home. Many buyers immediately assume that medical debt means their mortgage application is doomed. Fortunately, that's often not the case. While medical collections can still...
Read More...
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About Us

We've been helping customers afford the home of their dreams for many years and we love what we do.

Company NMLS: 2419663
www.nmlsconsumeraccess.org

Contact Us

Dick Girard
Girard Mortgage LLC
NMLS: 512531
Lone Tree, CO 80124
Phone: (303) 882-8626
dg@girardmortgage.com

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