Mortgage Solutions Financial-Shanan Ridens

🏡 Buying a home doesn’t have to be complicated.
If you’ve been wondering where to start, this quick guide breaks the process down into simple steps.

Swipe through to see the step-by-step journey to homeownership 👉

✔️ Get pre-approved so you know your buying power
✔️ Find the home that fits your needs and lifestyle
✔️ Make a strong offer with the right strategy
✔️ Close on your home and get the keys 🔑

Whether you’re a first-time buyer or planning your next move, having the right lender guiding you makes the process smoother from start to finish.

📩 Send me a message or comment “HOME” and I’ll help you get started with a pre-approval and answer any questions you have.

Shanan Ridens
Mortgage Solutions
📱 970-799-7749
NMLS #1480220

🏡Buying a home starts with your credit, and the good news is there are simple things you can do right now to improve your chances of qualifying for a mortgage.

💡Here are a few key things lenders look at when reviewing your credit:

✔ Payment history – The biggest factor in your score. Making every payment on time is extremely important.
✔ Credit utilization – Try to keep credit card balances below 30% of the limit, and ideally under 10% for the best scores.
✔ Length of credit history – Older accounts help your score, so avoid closing long-standing accounts.
✔ New credit inquiries – Opening new credit accounts before buying a home can lower your score and affect qualification.

Many buyers are surprised to learn that you don’t need perfect credit to buy a home. There are loan programs that allow for lower credit scores, and sometimes just a few small changes can significantly improve your approval options.

If you’re thinking about buying a home in the Farmington or Four Corners area, I’m happy to take a look at your situation and help you create a plan to get mortgage-ready.

Sometimes it only takes a few quick adjustments to get you closer to homeownership.

📞 Call or text anytime to get started.

Shanan Ridens
Mortgage Solutions
970-799-7749
NMLS #1480220

🤍

Most people think clutter means they need more storage.

More shelves.
More boxes.
More organizers.

But the truth is a little different.

Clutter usually isn’t about space.

It’s about small decisions we keep postponing.

Put it away later.
Move it tomorrow.
Find a place for it someday.

One item doesn’t feel like much.

But when hundreds of tiny unfinished decisions sit around the house, the space starts to feel heavy… and surprisingly exhausting.

A calm home isn’t created by perfect organization.

It’s created when there are simply fewer things asking for your attention.

Save this if you're slowly building a calmer home. 🏡

Homeowners: Have you checked your equity lately? 🏡

Refinancing could allow you to:
• Lower your monthly payment
• Access cash for home improvements
• Consolidate debt
• Remove mortgage insurance

Even if rates aren’t what they were a few years ago, refinancing can still make sense depending on your goals.

If you’d like a quick refinance review, I’m happy to help.

📞 970-799-7749
Shanan Ridens
Mortgage Solutions
NMLS #1480220

🌼Spring Cleaning Season is HERE! ✨

Feeling like your house has a little too much stuff lately? 🏡📦 Spring is the perfect time to open the windows, let the fresh air in, and declutter your space (and your mind)! 🌞🌿

Try tackling a few of these this week:
🧺 Clothes you haven’t worn in a year
📚 Books you’ll never read again
📬 Old mail & paper piles
🧴 Expired pantry items & toiletries
🔌 Broken gadgets & mystery chargers
👟 Shoes you don’t wear anymore
🧸 Kids’ toys that have been outgrown
🗄️ That one junk drawer we all have

Pro tip: If you haven’t used it in a year… it might be time to let it go! ♻️

Decluttering makes your home feel bigger, lighter, and more peaceful. And who knows… you might even find things you forgot you had! 😄

💬 Tell me in the comments…
What’s the hardest thing for you to declutter?


🏡