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Home Base with Marc EmrichBuying your first home in Colorado is one of the biggest decisions you'll ever make — and most people start with more questions than answers. Home Base is here to change that.Each week, mortgage broker Marc Emrich of Pivot Lending Group sits down to answer the real questions first-time buyers are asking: How much do I need for a down payment? What does my credit score actually mean for my loan options? What is a forgivable loan — and how is it different from a grant? What happens at closing?No jargon. No pressure. Just clear, honest answers from a Colorado mortgage professional who helps buyers navigate the path to homeownership every day.New episodes every week. Subscribe and start your journey home.

에피소드

  1. 6일 전

    Credit Score Requirements for First-Time Buyers in Colorado

    Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to walk through what credit scores first-time buyers in Colorado actually need to qualify for a mortgage — and why the bar is lower than most people expect. They cover how scores affect interest rates over the life of a loan, what buyers can do in the months before applying to improve their score, and how to handle concerns like hard inquiries and credit report errors. Listeners will come away with a clearer sense of where they stand and what steps they can take next, whether they're ready to apply now or still a few months out. 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/https://cofirsttimebuyergrants.com/

    5분

  2. 6월 22일

    First-Time Buyer Down Payment Assistance in Jefferson County

    Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to walk through down payment and closing cost assistance options available to first-time buyers in Jefferson County, including communities like Lakewood, Arvada, Golden, and Evergreen. They cover how programs like CHFA work, what the money actually looks like when it comes to you, and who tends to qualify — including buyers who assume they earn too much. Listeners will come away knowing what questions to ask and why starting the conversation early matters. 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/https://cofirsttimebuyergrants.com/

    6분

  3. 6월 15일

    Colorado First-Time Homebuyer Grants: What's Available in 2026

    Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to walk through the grant and down payment assistance programs available to first-time homebuyers in Colorado in 2026. They cover how these programs actually work, where to find them — including statewide options through CHFA and local programs in Denver and surrounding counties — and who is eligible. Listeners will come away knowing that more help exists than they probably assumed, and that a free conversation with a mortgage professional is the right first step to finding out where they stand. 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/https://cofirsttimebuyergrants.com/

    5분

  4. 6월 8일

    Pre-Approval vs. Pre-Qualification: What Colorado Buyers Need to Know

    Host Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to break down the real difference between pre-qualification and pre-approval — two terms that sound similar but carry very different weight when it's time to make an offer. Marc explains what each process actually involves, why sellers in competitive Colorado markets take pre-approval seriously, and what buyers need to have ready to get it done. Listeners will come away knowing exactly what steps to take before they start touring homes, and why getting those steps out of the way early puts them in a much stronger position. 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/https://cofirsttimebuyergrants.com/

    6분

  5. 6월 1일

    Credit Score Requirements for First-Time Buyers in Colorado

    Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to walk through what credit scores first-time buyers in Colorado actually need to qualify for a mortgage — and why the bar is lower than most people assume. Marc explains how your score affects the interest rate you're offered, what you can do to improve it before you apply, and how rate shopping with multiple lenders works without damaging your credit. Listeners will come away knowing where to start, what to focus on, and why an imperfect score doesn't have to stand in the way of buying a home. 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/https://cofirsttimebuyergrants.com/

    5분

  6. 5월 24일

    Down Payment Myths Colorado First-Time Buyers Believe

    Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to break down why the 20% down payment rule stops so many Colorado first-time buyers before they ever get started. Marc explains where that number actually comes from, what it really means for your monthly payment, and what lower down payment loan options and Colorado assistance programs exist for buyers who qualify. Listeners will walk away understanding that the amount they actually need to buy a home is probably a lot more specific — and manageable — than the figure they've had in their heads. 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/https://cofirsttimebuyergrants.com/

    6분

  7. 5월 18일

    How First-Time Homebuyer Grants Work in Colorado

    Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to break down how first-time homebuyer grants actually work in Colorado — including the difference between true grants, forgivable loans, and deferred loans, and what the residency requirements really mean. They also cover who qualifies, how the application process works, and what to watch out for when something sounds too good to be true. Listeners will come away with a clearer picture of their options and a better sense of where to start. 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/https://cofirsttimebuyergrants.com/

    6분

  8. 5월 11일

    What Credit Score Do You Need to Buy a Home in Colorado?

    Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to break down what credit scores actually matter when buying a home in Colorado. They cover the minimum scores required for different loan types, how your score affects your interest rate over time, and what steps can realistically improve your number before you apply. Listeners will come away knowing where they stand and what their options are — even if their credit isn't where they'd like it to be. 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/ https://cofirsttimebuyergrants.com/

    6분

  9. 5월 4일

    How Much Down Payment Do You Need to Buy a Home in Colorado?

    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/https://cofirsttimebuyergrants.com/

    5분

  10. 4월 27일

    Colorado Down Payment Assistance: A Guide for First-Time Buyers

    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/https://cofirsttimebuyergrants.com/

    6분

  11. 4월 24일

    Colorado First-Time Homebuyer Programs: What You Should Know

    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/ https://cofirsttimebuyergrants.com/

    6분
  • 11개의 에피소드

소개

Home Base with Marc EmrichBuying your first home in Colorado is one of the biggest decisions you'll ever make — and most people start with more questions than answers. Home Base is here to change that.Each week, mortgage broker Marc Emrich of Pivot Lending Group sits down to answer the real questions first-time buyers are asking: How much do I need for a down payment? What does my credit score actually mean for my loan options? What is a forgivable loan — and how is it different from a grant? What happens at closing?No jargon. No pressure. Just clear, honest answers from a Colorado mortgage professional who helps buyers navigate the path to homeownership every day.New episodes every week. Subscribe and start your journey home.

정보

  • 제작진
    Marc
  • 방송 연도
    2026년
  • 에피소드
    11
  • 등급
    전체 연령 사용가
  • 저작권
    © 2026 Home Base
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