What is PMI? Private mortgage insurance (PMI) enables you the buyer to put down less than 20% on the purchase of a home. In the past when you bought a home you had to have a 20% down payment. That is no longer the case because of PMI. Private mortgage insurance...
You’ve seen stories about our Denver real estate market balancing. The phrase “a buyers’ market” hasn’t been used in our Denver metro area in years. So is it balanced for buyers and sellers? It all depends on the price point and type of home. For all Denver real...
If coming up with a down payment is stopping you from buying a Denver home, The Oddo Group a division of Luminate Bank can help. Don’t let coming up with a down payment stop you from building wealth in the Denver market. It’s a great time for you to become...
The Oddo Group at Luminate Home Loans gives back to a wide spectrum of charitable causes through purchasing client gifts through One Hope Wine. When you shop their Napa Valley wines, you give back to a wide spectrum of charitable causes. Their community has donated...
Does it matter – being pre-qualified or pre-approved for a home loan? It does. By providing us with some financial information by phone or in person, you can be pre-approved for a loan and have a Pre-Approval Letter to show sellers. This allows you to make a...
Mortgage lender Michelle Oddo and Denver Realtor Caroline Kleckner have created a video series for first time home buyers. It can be overwhelming to know where to start in the process of buying your first Denver home. Some of the questions Michelle and Caroline answer...
