No-pressure mortgage conversation
Book a mortgage strategy consultation with Michael Shotnik to discuss a Colorado home purchase, refinance, home-equity strategy, investment property, bridge loan, or another mortgage question. Choose an available time in the calendar above.
You do not need perfect numbers or a signed purchase contract before scheduling. We can begin with your payment comfort, available cash, target property, income, debts, timing, and the questions you want answered.
Use the calendar below to choose an available appointment. The confirmation will include the meeting details.
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Buying power, payment comfort, cash to close, preapproval, property type, and offer timing.
Bridge financing, home equity, carrying both homes, contingencies, and coordinated closings.
Break-even timing, debt consolidation, cash flow, home-equity options, and long-term cost.
Self-employment, investment income, jumbo loans, rental properties, and nonstandard scenarios.
A mortgage strategy consultation is most useful when we understand both the financing goal and the real-life constraints around it. You do not need a finished file before the call. Bring the best information you have, and we can identify what still needs to be confirmed.
Tell us whether you are trying to understand a purchase budget, compare a refinance, use home equity, buy before selling, finance an investment property, or solve another mortgage question. If you already have a property in mind, share the address or price range. If you are still planning, a target payment and timing are enough to begin.
Think about the monthly payment you are comfortable carrying, the amount of cash you want to use, and the savings you prefer to keep after closing. Also mention other properties, significant debts, self-employment, variable income, or a recent job change. These details can change which options are worth comparing.
When more than one financing path is realistic, ask us to compare payment, cash to close, upfront lender cost, reserves, documentation, and timing. If you are reviewing a formal Loan Estimate, the Consumer Financial Protection Bureau Loan Estimate guide is a useful independent reference for understanding the standardized sections of that document.
The conversation can clarify options and next steps, but it is not final underwriting approval, a rate lock, or a commitment to lend. When a document-based review is the right next step, use the secure mortgage application. For a broader overview before the call, review the Colorado homebuyer guide or the mortgage loan process.
Start the secure application when you want us to review income, assets, credit, debts, and a specific financing scenario. You can also call with a quick question.
A consultation is educational and does not constitute an approval, rate lock, or commitment to lend. Loan options depend on the borrower, property, documentation, lender, and current program requirements.
A lower house payment starts with the decisions you make before you buy.
When mortgage rates stretch your budget, shopping for a home needs to include more than the asking price. We need to look at how you buy, which property you choose and every meaningful expense that will go into your monthly payment.
Every...
Michael and Melissa are always a pleasure to work with. They are extremely responsive, professional and work hard to get the best loan for us. I would recommend Colorado Mortgage to anyone. Thank you for another great experience!
Milestone Home Mortgage LLC NMLS #2588937. Michael Shotnik NMLS: 218281, CO License: 100017466. Not licensed in Alaska or New York. To check license status of mortgage loan originator, visit D.O.R.A. and NMLS consumer access.
