Roni Fraser - Fraser Mortgage Ltd - NMLS 1068205

Roni Fraser - Fraser Mortgage Ltd - NMLS 1068205 | Broker Owner | Comercial Loan Advisor | Licensed Mortgage Broker | NMLS 1068205 | NMLS 2571114 | www.fraser-mtg.com

Cardinal Financial Company, Limited Partnership NMLS 66247 |
Equal Housing Opportunity |
Roni Fraser NMLS 1068205 |
Licensed Mortgage Loan Originator & Branch Manager |

For licensing information, go to: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247

Licenses: www.cardinalfinancial.com/nmls-licensing

🏡 JUST IMPROVED | 660 Aspen Ave. • R***e, COHere’s where $10,000 can make a BIG difference. 👀The seller is offering $10,...
09/25/2026

🏡 JUST IMPROVED | 660 Aspen Ave. • R***e, CO

Here’s where $10,000 can make a BIG difference. 👀

The seller is offering $10,000 in concessions, and depending on your financing and loan structure, we can explore using it toward:

✨ Discounting your interest rate
✨ A temporary rate buydown for a lower initial payment
✨ Closing costs
✨ Or a strategic combination of the above

3 Bedrooms | 3 Bathrooms | 2-Car Garage | 3,106 Sq. Ft.

Cheryl Chandler with Cheryl & Co. brings the home. 🏡
I’ll bring the financing strategy. 💰⚡️

Because sometimes it’s not just about negotiating the price- it’s about structuring the purchase smarter.

📍 660 Aspen Ave., R***e, CO 81650
📲 Cheryl: 970-625-4441
📲 Roni: 970-456-8346

HOMES • LOANS • STRATEGY
Stronger together. Brighter solutions. ⛰️💚

***eColorado ***eRealEstate

09/21/2026

🏡 WAIT… YOU CAN LOWER YOUR MORTGAGE PAYMENT WITHOUT REFINANCING?

Potentially- through a mortgage recast.

A recast can be a powerful strategy that a lot of homeowners and buyers simply don’t know exists.

Here’s the basic idea:

You make a substantial payment toward your principal balance, and if your loan is eligible, your servicer recalculates your monthly principal & interest payment based on the new lower balance.

The important part? 👇

✔️ You generally keep your existing interest rate
✔️ You keep your existing mortgage- no new loan
✔️ Your principal balance drops
✔️ Your monthly principal & interest payment may drop
✔️ Unlike refinancing, you’re not replacing the mortgage with an entirely new loan

Where can this strategy really come into play?

Maybe you buy your next home before your current home sells. Instead of waiting to purchase, you may be able to close on the new home, sell the departing residence afterward, apply a portion of those proceeds to the new mortgage, and then explore whether a recast makes sense.

It can also be worth discussing after a large bonus, inheritance, asset sale, or anytime you’re considering putting a significant lump sum toward your mortgage.

⚠️ Important: Not every mortgage is eligible for recasting. Minimum principal reductions, fees, timing and eligibility vary by loan program, investor and servicer. A recast generally changes the principal & interest portion of the payments- property taxes, homeowners insurance and other applicable charges aren’t reduced simply because the loan is recast.

There’s more to mortgage planning than finding a rate. It’s about structuring today’s financing around tomorrow’s plans.

📲 Roni Fraser | Mortgage Broker | Owner
970-456-8346
[email protected]
www.fraser-mtg.com
NMLS #1068205 | Company NMLS #2571114

Bright Hat. Brighter Mortgage Solutions. 💚

MortgageStrategy Homeownership MortgageBroker ColoradoRealEstate ColoradoMortgage FraserMortgage

🇺🇸 September 11, 200125 years later, I hope September 11 never becomes just another date on the calendar.We remember the...
09/11/2026

🇺🇸 September 11, 2001

25 years later, I hope September 11 never becomes just another date on the calendar.

We remember the 2,977 lives taken that day.
We remember the first responders who ran toward what everyone else was running from.
We remember the families who said goodbye that morning without knowing it would be the last time.

But I also hope we remember September 12th.

We remember the flags hanging from every porch.
The strangers helping strangers.
The firefighters, police officers, neighbors and ordinary Americans who became heroes.

For a moment, we weren’t divided by politics, opinions, backgrounds or differences.

We were simply Americans.

That is the part of September 11 I hope we carry with us- not only today, but every day of our American lives.

Teach your children about it.
Say their names.
Tell the stories.
Remember the heroes.
Remember how quickly an ordinary morning changed our country forever.

Because the greatest way we can honor those we lost is to make sure future generations understand why we promised:

WE WILL NEVER FORGET. 🇺🇸

September 11, 2001- Always remembered. Never just a date.

Not every mortgage journey starts with a house. Sometimes it starts YEARS before the keys. 🏡💚One of the things I’m most ...
09/10/2026

Not every mortgage journey starts with a house. Sometimes it starts YEARS before the keys. 🏡💚

One of the things I’m most proud of in this business isn’t just the closings- it’s the work that happens long before anyone is ready to buy.

Sometimes I work with someone for a few weeks. Sometimes a few months. And sometimes it’s years of building credit, answering questions, running scenarios, creating a plan, regrouping when life happens, and helping someone get into a position where homeownership is finally possible.

And here’s something this business has taught me:

Not every journey I help start will be a closing I get to finish.

That doesn’t erase the work. It doesn’t diminish the value of the guidance. And it certainly won’t change the way I show up for the next person.

Because I don’t just want to be the lender you call when you’re ready.

I want to help you GET ready.

Of course I’d rather be the one sitting across from you at the closing table after investing in that journey with you-
but once the home search begins, other voices enter the conversation, and sometimes you may be encouraged to take a different direction.

And that’s when I hope you remember this:

The person who spent the time helping you prepare, build, strategize and become ready has already shown you where their priorities are.

Referrals and professional relationships within this industry absolutely have their place. But at the end of the day, YOUR best interest should always have the loudest voice in the room.

Ask questions. Compare your options. Know who is advocating for you. And choose the professionals who choose you-
not simply the transaction.

Whether your road to homeownership takes 30 days or two years, I’ll keep doing what I’ve always done:

Educate. Strategize. Advocate. And help you get there. 💚🏡

Bright Hat. Brighter Mortgage Solutions.
Roni Fraser | Mortgage Broker • Owner
Fraser Mortgage Ltd.
📞 970-456-8346
✉️ [email protected]

08/31/2026

A mortgage broker isn’t just another place to get a mortgage. 👀

The difference? OPTIONS + STRATEGY + ADVOCACY.

At Fraser Mortgage, we shop across lending solutions, analyze your entire financial picture, structure the financing around you and the property, and stay hands-on from pre-approval through closing.

🏡 Residential
🌲 Acreage & recreational
🚜 Hobby + commercial farms
🏗️ Construction
🏢 Commercial
📍 Land acquisition
💼 Business & startup capital

You shouldn’t have to fit yourself into a loan program.

Your financing should be built to fit YOU.

We shop the loan. We structure the strategy. We stay through closing.

📲 970-456-8346 | [email protected]
www.fraser-mtg.com

Roni Fraser | Mortgage Broker & Owner
NMLS #1068205 | Company NMLS #2571114

ColoradoRealEstate MortgageTips HomeBuying Acreage ConstructionLoans CommercialRealEstate BusinessFunding BrightHatBrighterMortgageSolutions

08/25/2026

Self-employed for less than 2 years? Don’t assume that means you have to wait to buy a home. 👀🏡

Traditional lending guidelines don’t always tell the whole story. Certain alternative bank statement programs may allow qualification with as little as 12 months in business- using actual business cash flow instead of relying solely on traditional tax-return income.

Entrepreneurship doesn’t always fit neatly inside a conventional lending box. Your mortgage strategy shouldn’t have to either.

📲 Before you hear “you need two years,” let’s look at the actual options.

💚 Roni Fraser | Mortgage Broker Owner
Fraser Mortgage Ltd.
📧 [email protected]
🌐 www.fraser-mtg.com
Bright Hat. Brighter Mortgage Solutions.™

EntrepreneurLife BusinessOwner MortgageEducation ColoradoMortgage ColoradoRealEstate FraserMortgage BrighterMortgageSolutions

08/25/2026

🏔️ MORTGAGES BUILT DIFFERENT.

Residential. Construction. Commercial. Investment. Business Capital.

From helping families get home to financing the properties, projects and businesses that build communities- Fraser Mortgage brings more than a mortgage to the table.

🏡 Residential Purchase & Refinance
🏗️ New Construction & Builder Financing
🏢 Commercial & Multifamily
📈 Investor & Non-QM
💼 Business Capital

RONI FRASER | Mortgage Broker & Owner
📞 970-456-8346
📧 [email protected]
🌐 fraser-mtg.com

Bright Hat. Brighter Mortgage & Capital Solutions. 💚

08/19/2026

Steppin’ up our game

🚨 NEW DOMAIN. NEW EMAILS. SAME TEAM. SAME COMMITMENT. 💚⛰️We’ve had an unexpected digital detour, but Fraser Mortgage is ...
08/12/2026

🚨 NEW DOMAIN. NEW EMAILS. SAME TEAM. SAME COMMITMENT. 💚⛰️

We’ve had an unexpected digital detour, but Fraser Mortgage is officially back, connected & moving forward! 🙌

If you’ve emailed us recently and didn’t hear back, there’s a chance we never received it- so please resend it! 📩

🌐 NEW WEBSITE: www.fraser-mtg.com
📧 NEW EMAILS: -mtg.com

Please update your contacts and say goodbye to the old domain. 👋

Same people. Same relationships. Same determination to find solutions.
Just a new digital home. 🏡💚

Bright Hat. Brighter Mortgage & Capital Solutions. 🧢✨

Address

Canon City, CO
81635

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 9am - 1pm
Sunday 9am - 1pm

Telephone

+19704568346

Website

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