I started in Mortgage business before FICO scores came into vogue and I'm still keeping score to make loans. I enjoy being of service and I especially appreciate when people place their trust in me for such a significant financial decision as a mortgage. I started in the mortgage business in Southern California. Once I was fortunate enough to Ski Vail mountain for a week, I decided to make Denver my home to be close to these majestic mountains. The next year, I invested in the Denver real estate market and started a family.

The mortgage business here in Denver has provided me many opportunities and so did the local real estate market. The ROI I was able to provide once financing was in place was the best I'd ever seen. Unfortunately, not everyone was or is able to participate and take my counsel with respect to real estate; which is do "whatever it takes" to acquire rental real estate. And since I 1st wrote this several years ago, the median home price has gone from ~$200,000 to now over ~$550,000 in 2023. This fact, along with an influx of new residents, continues to support home prices. 

Helping homeowners has also been gratifying to me too. I find it exciting to be a part of peoples first home investment and to know that they can now build equity in their own homes. I have found every real estate cycle provides opportunities to investors and homeowners alike. I still believe real estate is the best vehicle to improve ones net worth over time and its proved essential that investors and homeowners do so with qualified professional guidance. 

The bottom line remains the same; Real Estate is cyclical, and not without cyclical swings. However over time, it's an attractive asset essential to building ones net worth. And we've just gone thru a rising interest rate cycle which I believe has now abated. Now its my belief mortgage rates have peaked and are settling down so I encourage everyone to revisit home ownership as dearth supply is supporting residential prices for the next several years.