Purchase a Home
- know exactly how much you can afford
- spend less out of pocket
- lock in a low interest rate
Refinance Your Mortgage
- lock in a low rate
- lower monthly payments
- find out if your paying too much
Reverse Mortgage
- is a reverse mortgage right for you?
- get personalized advice
- free reverse mortgage evaluation
Hello, my name is Brian Quigley and I have been a mortgage broker in Denver, CO since 2003. I have been fortunate enough to choose this very rewarding mortgage broker career and help thousands of borrowers over the years. Customer satisfaction is important to me most, and getting my clients to the closing table smoothly. I am proficient in all types of mortgage financing including FHA/VA, Conventional, USDA, Jumbo, Portfolio, 1031 Exchanges, Reverse Mortgages, Construction loans, and FHA 203K loans.
Recent News, Articles, and Trends about Mortgages and Lending
Down Payment Assistance Programs in Colorado (2018)
It is likely that you look at a home and imagine how incredible it would be to buy it. Owning a home means you can do all the things and fully enjoy your home without permission from the landlord. Perhaps, the down payment is holding you back. Alternatively, you may assume that you need to make a 20% down payment. There is a workaround: down payment assistance programs in Colorado. It's possible that you are currently renting a house or an apartment. However, you may be harboring dreams of purchasing a home. That said, you might fear that you don't have the financial means to purchase a home. That said, the good news is that there are many programs or incentives available to you as a first-time homebuyer in Colorado (and even if you own a home). These down payment assistance programs make purchasing your dream home not just possible but, [...]
How to Apply For a Mortgage after Bankruptcy
Purchasing your own home is empowering and exciting, to say the least. Gaining the freedom and independence to manage and own a property, just the way you prefer. Eventually, you will have a substantial asset to enjoy in your future. Naturally, this is something a lot of us really aspire to. That said, sometimes things do not go as you may have planned, such as getting approval for a mortgage. If you have filed for bankruptcy, you may be wondering how long following bankruptcy you will need to wait until you could get a mortgage. Declaring Chapter 13 or Chapter 7 bankruptcy is usually devastating for most people. Moreover, this could make securing a mortgage and purchasing a home quite challenging. That said, you can get a mortgage while dealing with a Chapter 13 bankruptcy. The main requirement is that you should have made 12 months of payments on time. If [...]
Colorado Living Articles
3 Reasons Why I Live In And Love LoHi Denver, COLORADO
When I moved from New York, I didn't want to lose my urban roots, so I automatically gravitated to a NY Style loft located in the Highlands area of Denver, CO. in a small neighborhood called LoHi. I just really appreciate an open-air floor plan with high ceilings, exposed duct work, and brick. A true city feel. The real estate in Highlands has been consistently appreciating since I moved to the neighborhood in 2009. There was literally no retail when I moved here then. A run down Kung-Fu Studio was where one of the best bars in the world is now, Williams &Graham, a renowned speakeasy serving specialty cocktails in a prohibition-era atmosphere with a secret entrance and alley exit. The multi-family developers have landed here in a huge way. Dickinson Plaza on 32nd Avenue, which housed the Laughing Latte Coffee Shop, Fat Jacks's Super Subs, and 420 Friendly [...]
6 Types of People Who Should Move to Golden, Colorado
Colorado is changing so much but tucked in among all the progress is the community of Golden. Yes, you probably know it as the iconic home to Coors Brewing Company but there’s so much more that Golden has to offer. It’s an outdoors enthusiast’s haven. Hiking and biking, skiing and snowboarding, and so much more, Golden can be your year-round adventure destination and your next home. Golden is embracing the booming Colorado economy but it’s still bent on maintaining that historic Wild West feel -- just slightly more refined. And that historic charm extends beyond the downtown. The city has unique historic neighborhoods filled with homes only going up in value. And if one of the historic homes available in Golden right now isn't to your liking, you can trust in the builders at G.J. Gardner Homes to help you design the home of your future here. So, here [...]
Colorado Real Estate Market
Denver Market Update – April 2017
Are you looking to get into the Denver housing market? You’re not the only one. In an ultra-competitive market such as ours, a Colorado mortgage broker like myself can help you gain the advantage you need. The Denver real estate market continued its red-hot ways last month and there is no sign of a slow-down in sight. Per an article on Westword, an increasing number of people are flocking to the Denver area and buying homes. These people are all competing for the market’s supply, resulting in several bidding wars and plenty sold-above-asking deals. In fact, the article notes that demand is currently so high that agents are now putting “coming soon” signs on front lawns before the “for sale” signs go up. In March 2017 in particular, the number of homes sold in the Denver area increased by 36% from the previous month for a total of 4,347 [...]
Denver Market Update – February 2017
Denver Mortgage Broker – Brian Quigley A new year is in and so is another month in the Denver real estate market. Per a recent article from the Denver Post, the housing market in Metro Denver could see major changes in 2017. After the initial month of the new year, the rent for apartments is slowing down while the price of homes continues to rise at a rapid pace. The article notes that a report conducted by a Texas-based website estimates that metro Denver rent prices are increasing by 4.4%. This is down significantly from the previous gains recorded 12 months prior when increases were happening between 8-10%. However, there is one notable factor that seems to be working in favor of Denver. The area is seeing a growing number of younger people moving to the city, working at high-paying jobs that will ultimately allow them to afford higher-priced [...]
Finance News and Articles
The Big Money Mistakes Divorcing Couples Make
When it comes to divorce, the two things that most people tend to worry about most are their kids and their money. Unfortunately, fretting about money does not keep these people from committing big money mistakes in divorce. Keep in mind that the courts in a majority of states will typically prioritize children’s interests. Courts also safeguard children’s entitlements through the enforcement of child support. Unfortunately, for divorcing couples there is not a comparable authority, which protects the financial needs of a divorcing spouse. In addition, the law merely mandates a reasonable and fair financial outcome. If done well then something getting approved for a mortgage after divorce should not be as difficult as you think. Moreover, you should know that dividing marital property, for better or worse, is nearly always a single-shot deal. If you simply think that the outcome was not fair, it isn’t enough to try and [...]
First Time Homebuyers in COLORADO and ANALYZING the TAX CUTS and JOBS ACT for 2018
When the Tax Cuts and Jobs Act was enacted in 2017 many people are still wondering exactly what it all means to them personally. What does it mean for their small business? What does it mean for their home deductions. The below overview should be a good summary of what to expect, and what is changing regarding home DEDUCTIONS: First time homebuyers in Colorado take note of the below, as this will come into play when you purchase a home this year. The OLD Mortgage Interest Tax Deduction --If you purchased a home prior to December 14th, 2017, you can deduct up to $1 million dollars in debt. Even if you chose to refinance, you would still be allowed the full $1 million dollar deduction. You were also allowed to deduct up to $100,000 in Home Equity Debt to improve your home. The NEW Mortgage Interest Tax Deduction--Up to $750,000 [...]