Home Base

Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to clear up one of the most common misconceptions in homebuying: that you need 20% down to purchase a home. Marc walks through what buyers in Colorado actually need depending on their loan type, how state assistance programs can reduce the amount you need at closing, and what else to plan for — like closing costs and earnest money — so there are no surprises. Listeners will come away with a clearer, more realistic picture of what it actually costs to get to the closing table. Home Base is a weekly podcast from Pivot Lending Group helping first-time homebuyers understand the mortgage process, available assistance programs, and what to expect on the road to ownership. 🌐 Resources in English & Spanish: https://cofirsttimebuyergrants.com/

In this episode, host Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to break down how Colorado down payment assistance programs actually work — including the difference between grants and forgivable loans, who qualifies, and how the application process fits into getting a mortgage. Marc clears up some common misconceptions, like the idea that these programs are only for very low-income buyers or people who have never owned a home before. Listeners will come away with a clearer sense of what's worth looking into and why having that conversation early in the homebuying process can make a real difference. Home Base is a weekly podcast from Pivot Lending Group helping first-time homebuyers understand the mortgage process, available assistance programs, and what to expect on the road to ownership. 🌐 Resources in English & Spanish: https://cofirsttimebuyergrants.com/

Lauren sits down with Marc Emrich of Pivot Lending Group to talk through the first-time homebuyer assistance programs available in Colorado, including how down payment help and forgivable second mortgages actually work. Marc explains who qualifies — including people who haven't owned a home in the past three years — and why income level, location, and loan type all play a role in finding the right program. Listeners will come away understanding that these programs are real, the initial conversation with a mortgage professional costs nothing, and it's worth asking the question before assuming help isn't available to them. Home Base is a weekly podcast helping first-time homebuyers understand the mortgage process, available assistance programs, and what to expect on the road to ownership. 🌐 Resources in English & Spanish: https://cofirsttimebuyergrants.com/