Mortgage Guides & Straight Answers
Clear, no-nonsense help for Colorado homebuyers — down payment assistance, loan types, credit, closing costs, and getting approved.
The Listing Is Just a Window
The listing is just a window
July 7, 2026
Guide To Colorado Springs Schools
Moving to Colorado Springs? Discover the best school districts in our complete guide! 📚🌟 Learn about Academy District 20's top-rated schools, School Choice options, and much more. 🏔️ Click the link to find the perfect educational environment for your family
June 14, 2025
Closing Cost Explainer
Learn how to estimate your true closing costs with this hands-on video lesson from Speak Straight Mortgage. Using a downloadable workbook, you'll break down lender fees, insurance, prepaid costs, and more—so you know exactly what to expect out of pocket. Perfect for buyers who want clarity and confidence.
May 17, 2025
What Types of Loans Are Available?
Ever find yourself puzzled by the different home loan options? FHA, VA, USDA, Conventional... What does it all mean, and which one is right for you?
May 16, 2025
How Much Will My Payments Be?
Learn what makes up a monthly mortgage payment in this clear, step-by-step video guide. Matt covers principal, interest, taxes, insurance, HOA fees, and mortgage insurance—plus how to estimate and compare costs with a worksheet. Ideal for buyers who want to understand their payments before making a move.
May 16, 2025
Useful Definitions For First-Time Homebuyers
Understanding mortgage terms is key for first-time homebuyers. This guide explains essential concepts like debt-to-income ratio, preapproval, mortgage insurance, and closing costs in plain language. Organized by the stages of the homebuying process, it helps you feel confident, ask smart questions, and make informed decisions every step of the way.
May 14, 2025🏡 How Your Credit Score Impacts Your Mortgage Options
If your credit score is under 620, mortgage options are limited and interest rates are higher. Raising your score to 620 or above opens the door to better loan terms and more programs. Speak Straight Mortgage can help you build a plan to improve your credit and qualify with confidence.
May 13, 2025
How Much Do I Need Saved To Buy A Home
Wondering “how much do I need out of pocket” to buy a home? This post breaks down key costs like earnest money, inspections, and closing costs—and how things like seller concessions and assistance programs can reduce what you actually spend. Learn how to plan ahead and buy smart with expert guidance
May 13, 2025
Understanding Temporary Rate Buydowns: 3-2-1, 2-1, and 1-1 Buydown
Discover how temporary rate buydowns can make home ownership more affordable. Schedule an appointment with Matthew Wentz to get personalized advice and explore how 3-2-1, 2-1, and 1-1 buydowns can benefit you. Click to book your consultation today!
May 13, 2025
Ultimate Guide to Colorado Down Payment Assistance Guide 2025
This guide outlines Colorado first-time buyer and down payment assistance programs by credit score, including FHA and CHFA options. It explains types of assistance like repayable and silent second loans, and grants. It also highlights resources to understand loan types, income limits, and credit scores to help buyers get started
May 12, 2025
Colorado Low Down Payment Programs 2025
Low down payment mortgage programs help buyers get into a home with as little as 0% to 3.5% down. This guide explains options based on credit score, income limits, and buyer status. Explore FHA, VA, USDA, and Conventional loans to find the right path to homeownership
May 12, 2025