Lori Richardson - Mortgage Advisor

Lori Richardson - Mortgage Advisor Loans by Lori
Guild Mortgage
🧠 Helping you buy smart, with confidence, with strategy, and timeline to fit YOU! Win offers. Build wealth.

Avoid mistakes.
🔵 Guild Mortgage | 272264
📍Colorado I’ve been in the mortgage industry for over 30 years, and one thing I’ve learned is this—getting into a home is just the beginning. My approach has always been a little different. I don’t just focus on getting you approved—I focus on helping you build a plan. Before I ever recommend a loan, I take the time to understand your goals, your financial picture, and what you want your future to look like. I truly believe your mortgage should work for you, not against you. That’s why I help my clients think beyond rates and start using their mortgage as a tool to improve cash flow, build wealth, and create more flexibility over time. My goal is simple: to help you feel confident in your decisions and set you up for long-term success—not just at closing, but well beyond it. When I’m not working, you’ll usually find me outdoors in Colorado with my husband—running, hiking, skiing, or biking somewhere above the tree line. I also love to travel, read, and spend time with my daughter, who is currently in college in Nashville pursuing her passion for writing.

09/18/2026

Real estate can do more than give you a place to live.

The right property and financing strategy can play a role in building wealth, creating income, supporting the lifestyle you want, and strengthening your long-term financial position.

That means looking beyond the next purchase or sale. We look at cash flow, available equity, debt, future plans, and how each decision fits into the bigger financial picture.

If you’re considering your next real estate move, let’s talk through what you want it to accomplish.

Do you really need 20% down to buy a home? For many buyers, no. The bigger question is what you give up by waiting to sa...
09/16/2026

Do you really need 20% down to buy a home? For many buyers, no. The bigger question is what you give up by waiting to save more versus buying with a smaller down payment.

Putting less down may help you buy sooner and keep more cash available, but it can mean a larger loan balance, a higher monthly payment, and potentially mortgage insurance.

Putting 20% down can reduce the amount you borrow and generally avoids PMI on a conventional loan, but it also requires significantly more cash upfront.

We help buyers compare both paths based on their finances, reserves, timeline, and goals instead of treating 20% down as an automatic target.

Want to see what the comparison could look like for you? Send us a DM.

Spring buyers may have faced more competition and less room to negotiate. Fall can look different.A home that’s been sit...
09/14/2026

Spring buyers may have faced more competition and less room to negotiate. Fall can look different.

A home that’s been sitting longer may come with a seller who’s more open to discussing price, closing costs, repairs, or other terms.

That doesn’t mean every fall listing is a deal. It means you may have options that weren’t available when buyer competition was stronger.

If you’re restarting your home search this fall, don’t just look at what’s listed.

Look at how long it’s been sitting, what the seller may value, and where there could be room to negotiate.

A different season can call for a different offer strategy.

It’s hard to believe it has been 25 years.For those of us who remember September 11, 2001, there are still details that ...
09/11/2026

It’s hard to believe it has been 25 years.

For those of us who remember September 11, 2001, there are still details that come back quickly. Where we were... who we were with, the calls we made once hearing the news... And the silence. The feeling that the world had changed in a matter of hours.

Today, we’re thinking about the people who never made it home, the families who have lived with that loss ever since, and the people who stepped in to help without knowing what would come next.

Some days don’t need much added to them.

We remember.

Two buyers can purchase at the same time and make very different decisions about how their mortgage is structured.A 5/1 ...
09/09/2026

Two buyers can purchase at the same time and make very different decisions about how their mortgage is structured.

A 5/1 ARM typically gives you a fixed interest rate for the first five years. After that, the rate can adjust periodically based on the loan’s terms, which means the payment may increase or decrease.

Why would someone consider one? It can make sense to evaluate when you expect to sell, refinance, or otherwise change the loan before the initial fixed period ends. But that possibility should never replace planning for what happens if your plans change.

Before choosing a 5/1 ARM, look at the initial fixed period, adjustment frequency, index and margin, rate caps, and what a higher future payment could mean for your budget.

The better mortgage isn't determined by the loan label. It depends on how the financing fits your timeline, cash flow, and tolerance for future payment changes.

Since Labor Day is all about work, here’s something that comes up more than people realize when a new job also means a m...
09/07/2026

Since Labor Day is all about work, here’s something that comes up more than people realize when a new job also means a move.

A lot of people assume if they are relocating for a new position they have to move first, rent for awhile, get settled and THEN think about buying.

But depending on the type of job, when you start, how you’re paid and the loan program… that may not always be the case.

In some situations your new income may actually be able to be used to qualify before you’ve even received that first paycheck.

Which can make a pretty big difference if you already know the area you want to be in and don’t really love the idea of moving twice.

Of course this is very situation specific and there are rules around how future income can be used.

But if a new job or transfer is taking you somewhere new, it may be worth asking the question before automatically signing a lease.

And if you want someone to look at your situation and tell you what may or may not be possible, I’m happy to talk it through with you… no pressure and no commitment.

Have a safe and happy Labor Day!!

Before the long holiday weekend kicks off, there’s an observation we’ve seen that’s too good not to share.There happens ...
09/04/2026

Before the long holiday weekend kicks off, there’s an observation we’ve seen that’s too good not to share.

There happens to be a buyer category hiding in a lot of real estate databases.

- They aren’t clicking listings every night.
- They aren’t requesting showings.
- They might even insist they would “never give up” their current mortgage rate.

But life keeps happening.

Families grow.
Jobs change.
Parents age.
Relationships change.
People relocate.

The question isn’t always whether they want another house.

It’s whether anyone has helped them understand how a move could actually work financially.

That conversation may be one of the biggest untapped opportunities for agents heading into fall.

Realtor friends, correct me if I’m wrong, but “I’m waiting for rates” has become one of the most common ways buyers paus...
09/02/2026

Realtor friends, correct me if I’m wrong, but “I’m waiting for rates” has become one of the most common ways buyers pause the conversation.

Yet, when offered a causal lender conversation… we have discovered this “objection” isn’t always the actual problem.

- Sometimes they’re worried about the payment.
- Sometimes they’re afraid of buying at the wrong time.
- Sometimes they haven’t seen what seller concessions could do.
- And sometimes they simply need permission to slow down and understand the numbers.

For agents and lenders, that distinction matters.

B/c we can’t solve the wrong objection.

The strongest buyer conversations right now may start by asking what “waiting for rates” actually means to that particular person.

Do you agree?

The market heading into 🍂 September looks very different from the one many buyers still have in their heads.✅ Inventory ...
08/31/2026

The market heading into 🍂 September looks very different from the one many buyers still have in their heads.

âś… Inventory is higher.
âś… Buyer demand has softened.
âś… And in many markets, sellers are becoming more realistic.

That creates an opportunity for agents who can help serious buyers understand what has actually changed.

The conversation isn’t simply, “Rates are high.”

It’s:

🎯 What can we negotiate?
🎯 What properties have been sitting?
🎯 Where is the seller motivated?
🎯 Could concessions improve the financing?
🎯 What would make the numbers work?

Sometimes the opportunity isn’t waiting for the market to change… It’s recognizing that it already has.

08/28/2026

A 20% down payment is not the only path to buying a home.

Depending on your eligibility, property, location, and loan program, options may include VA or USDA financing, FHA or low-down-payment conventional loans, down payment assistance, gift funds, and certain builder or seller incentives.

The better question is not simply, “What’s the least I can put down?” It’s how your down payment affects your cash reserves, monthly payment, loan options, and overall financial position.

We can help you compare the options and decide what makes sense for your situation.

Address

6465 N Greenwood Plaza Drive, Suite 100
Centennial, CO
80111

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 5pm

Telephone

+17202006868

Website

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