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

Condos Reward the Prepared Buyer
Jun
15
2026
Condos Reward the Prepared Buyer
Buying a condo can feel like crossing the finish line of a long race. You worked on your credit. You saved for a down payment. You gathered tax returns and pay stubs. You secured a pre approval letter. You did everything right. And yet, the loan can still fall apart. The surprising part is that it...
Read More...
Mortgage Approval Documents: Know Before You Apply
Jun
11
2026
Mortgage Approval Documents: Know Before You Apply
Before you start scrolling through listings and imagining where the couch will go, there is one reality every homebuyer should understand. Finding the house is often the fun part. The real challenge begins when it's time for underwriting. Many home purchase transactions slow down...
Read More...
The Wealth Ladder
Jun
01
2026
The Wealth Ladder
The Wealth Ladder When people think about building wealth, they often focus on investments, retirement accounts, or growing a business. While those can all play an important role, one of the most common ways families have built long term financial stability is through homeownership...
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What If Rates Drop After You Lock?
May
22
2026
What If Rates Drop After You Lock?
Locking a mortgage rate can feel like a major decision, especially in a market where rates seem to move constantly. One of the most common concerns homebuyers have is this: What happens if interest rates drop after I lock my loan? The good news is that locking your rate is still one of the...
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Mortgage Insurance Has More Than One Face
May
11
2026
Mortgage Insurance Has More Than One Face
Most homebuyers hear the term “mortgage insurance” and assume it refers to one simple fee attached to a home loan. In reality, mortgage insurance comes in several different forms, and understanding the differences can save buyers thousands of dollars over the life of a...
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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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