Mortgage Insights: Smart Questions, Smarter Loans & Today’s Rate Update
Your Money Matters Radio Show – 1/27/26
On this week’s Your Money Matters Radio Show, I spent time breaking down the most important questions you should be asking if you’re financing a home, because the right questions lead to better decisions.
We talked about the basics that truly matter:
💵 What your monthly payment will look like
⏳ The loan term, interest rate, and APR
🔒 When it makes sense to lock your rate
📄 Credit, income, and down-payment requirements
🏠 Closing costs, mortgage insurance, points, and prepayment penalties
I also clarified the difference between pre-qualifications and pre-approvals — how long each takes, how accurate they are, and why sellers take one far more seriously than the other.
From there, I walked through the many loan options available today — Conventional, FHA, VA, USDA, and Non-QM — and why one loan does not fit everyone anymore. Your goals, income type, credit profile, and future plans all matter when choosing the right mortgage.
We even touched on home appreciation, what really drives value, and why short-term market fluctuations shouldn’t distract you from long-term wealth building.
📉 Quick rate update: Interest rates remain volatile but have shown signs of stabilizing. Opportunities still exist, especially for prepared buyers and homeowners who understand their options.
🎧 Listen to the full 1/27/26 episode here:
🎙️ Tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.
With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
📞 (720) 895-0500 | 🌐 www.aimortgage.net
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
