Planning For 2020

Join the Oddo Group at Luminate Home Loans for a real estate education and planning event in Littleton, CO. We’ll help you to develop a personalized plan to: Achieve your most important goals. Build your systems now so you can lean on them in 2020. Michelle Oddo is a...

Mortgage Closing Costs Explained

Closing costs include fees required to finalize a mortgage. You pay closing costs whether you buy a home or refinance your mortgage. Most of the closing are the responsibility of the buyer, but the seller usually has to pay a few as well. Visit our video library for...

Buying A Home During the Holiday Season Has Advantages

It may be a seller’s market in the Denver suburbs, but we’ve had more inventory than the last few years. So if you’re looking for a home, buying during the holiday season has its advantages. You can text, call or email me about pre-qualifying for a loan....

Private Mortgage Insurance

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...

A Balanced Denver Real Estate Market? It Depends On Your Needs

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...

Down Payment Programs

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...