How to Buy a House the Easy Way: A Step-by-Step Guide
Welcome to your stress-free home buying guide. I'm Fred Gallegos, a veteran mortgage lender with over 30 years of experience, known for...
top of page
Barracks-to-Bungalows
Learning Center
The ABCs of Home Loans
Here, we simplify the home loan process. We bring you real-life stories, expert insights, and easy-to-follow guides. This isn't just a blog - it's a consumer-led community. Begin your journey from Barracks-to-Bungalow today. You've earned this.
Fred Gallegos
- Dec 4, 2023
- 3 min
Why VA Loan Assumptions in Grand Junction Are Facing Closing Challenges
Discover the hurdles of VA loan assumptions in Grand Junction: key insights into why closing these loans is challenging for buyers and selle
Fred Gallegos
- Dec 4, 2023
- 10 min
'3% Lower': Making Housing Affordable for Buyers and Sellers!
Tackling the Housing Affordability Crisis: Achievable Homeownership in Any Rate Environment Remember the 3% mortgage rates of 2021? If...
Fred Gallegos
- Sep 21, 2023
- 3 min
Should You Shop Around for Mortgage Rates? Here’s Why It Matters!
Decimals That Dictate Your Dream Home Ever wondered if those few decimal points on a mortgage rate really make a difference in the grand...
Fred Gallegos
- Sep 20, 2023
- 6 min
My Unique Approach to VA Loan Pre-Approvals
“Do you believe that every key, no matter how ornate or plain, has a lock it's destined to open?” Just like that key, every veteran...
Fred Gallegos
- Sep 6, 2023
- 2 min
The Truth Behind Your Pre-Approval: The Surprising Differences in How Much You Can Actually Afford
Imagine this: you're on the brink of realizing your dream of owning a home in Colorado. You've done your research, you've talked to...
Fred Gallegos
- Sep 5, 2023
- 3 min
Unlocking Homebuying Success: The Missing Link Between Realtors and Lenders
Today, I'm diving into a crucial aspect of the homebuying journey that often gets overlooked: the powerful partnership between real...
Fred Gallegos
- Sep 1, 2023
- 2 min
Simplify Your VA Home Loan Journey with Unmatched Experience
Have you ever felt overwhelmed by the complexities of securing a VA Home Loan? As a veteran or active military personnel, the journey to...
Fred Gallegos
- Aug 31, 2023
- 3 min
Four Reasons VA Home Loans Are A Game-Changer In Colorado
When it comes to mortgages, there's a hidden gem that not everyone knows about – the VA loan. I'm Fred Gallegos, a seasoned VA expert...
Fred Gallegos
- Aug 27, 2023
- 2 min
Rocky Mountain Reality Check: Local vs. Non-Local Lenders in Colorado's Tight Market
Separating Myths from Reality: Throughout Colorado, with less homes on the market and interest rates climbing, there’s a myth that's been...
Fred Gallegos
- Aug 24, 2023
- 2 min
VA Jumbo Loans in 2023: Get Your Million-Dollar Home with 0% Down!
The Power of VA Jumbo Loans Unveiled Misinformation can be a door that closes opportunities. When it comes to VA jumbo loans, there's...
Fred Gallegos
- Aug 16, 2023
- 2 min
What First-Time Homebuyers in Colorado Should Know
Embarking on the journey to own your first home can be exhilarating, yet for many, the nuances of the housing market can be quite...
Fred Gallegos
- Aug 15, 2023
- 3 min
FHA vs. Conventional Loans: Which One Is Right for You in 2023?
Are you a first-time homebuyer or a real estate agent looking to learn more about FHA and conventional loans? If so, you're in the right...
Fred Gallegos
- Aug 12, 2023
- 2 min
VA, FHA, or USDA Loans - Which Suits You Best?
Picking Your Home Loan: VA, FHA, or USDA Buying a home? There's plenty to consider, especially when it comes to financing. Let’s get...
Fred Gallegos
- Aug 7, 2023
- 3 min
The Future of Mortgage Approval: From Days to Hours
The Shift in Mortgage Landscape Ever noticed how the modern world demands everything to be faster, including real estate deals? Every...
Fred Gallegos
- Aug 7, 2023
- 3 min
Unlocking the Doors to Your First Home: Why Initial Loan Disclosures are the Hidden Keys
Imagine the excitement in your eyes as you step across the threshold of your new home, that fresh paint smell wafting through the air,...
Fred Gallegos
- Aug 1, 2023
- 2 min
Is Your Mortgage Lender Overcharging You? Know the Signs
A Reality Check on Mortgage Rates & Fees Welcome to a reality check in the world of mortgage rates. With low housing inventory and higher...
Fred Gallegos
- Jun 24, 2023
- 2 min
How Long Does It Take To Get Pre-Approved For A VA Loan?
The VA mortgage process is often perceived as complex and time-consuming, leading many to wonder how long it takes to get pre-approved...
bottom of page