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.

Over the last 5 years, the S&P Cotality Case-Shiller U.S. National Home Price Index rose from 244.172 in March 2021 to 3...
06/24/2026

Over the last 5 years, the S&P Cotality Case-Shiller U.S. National Home Price Index rose from 244.172 in March 2021 to 329.938 in March 2026.

That’s about a 35% increase nationally.

Put that into real life.

If a $400,000 home increased by 35%, that’s roughly $140,000 in added price growth.

Now ask yourself this:

How many non-homeowners were able to put away an extra $140,000 in savings from 2021 to today?

Same 5 years…
But very different results.

One person may have gained equity through homeownership.

The other may have been trying to save while paying rent, bills, debt, childcare, groceries, and everything else life throws at them.

That doesn’t mean rushing into a purchase.

It means your savings plan needs to be compared against the market you’re trying to buy into.

Sometimes waiting gives you more strength.
Sometimes it gives the market more distance.

That’s the Cost of Waiting Principle.

We help buyers look at the full picture: savings, cash flow, debt, monthly comfort, available homes, and what waiting may actually change.

Because the goal isn’t just to save more.

It’s to know whether saving longer is helping you catch up, or quietly pushing the goalpost further away.

Thinking about buying in the next year or two? Let’s look at the numbers before you assume waiting is the safer move.

Yup… We got the panic “Hail Mary” call this weekend from a listing agent who had a deal falling apart… “They were pre-ap...
06/22/2026

Yup… We got the panic “Hail Mary” call this weekend from a listing agent who had a deal falling apart…

“They were pre-approved!”

Famous words.

Some of the biggest mortgage problems happen after a buyer gets preapproved and it’s often due to a lack of education from their lender.

Here’s what I mean… most think, “whew - preapproved… now let’s:”

Open that new amazing credit card.
Finance furniture at 0% for a million years.
Move money between accounts.
Make a large cash deposit from that Facebook marketplace sale.
Change jobs roles, but stay at the same company.
Pay off debt and close an account without checking first.

Sigh.

Your approval still has to make it through underwriting, documentation, verification, and final review.

That’s where the Invisible Risk Concept matters.

The risk isn’t always obvious when you make the move. It shows up later when the lender needs to verify your credit, income, assets, or debt.

This is why we use the Deal Certainty Framework with our buyers.

Before you make a financial move, we want to understand how it may impact your approval, your cash to close, your monthly comfort, and the strength of your offer.

A strong preapproval isn’t just about getting started.

It’s about staying qualified all the way to closing.

We help people make smarter mortgage and financial decisions, not just get loans.

Before you open credit, move money, or make a major financial change while buying, send us a message first.

Juneteenth is a reminder that freedom, opportunity, and progress are worth honoring and protecting.Today, we recognize t...
06/19/2026

Juneteenth is a reminder that freedom, opportunity, and progress are worth honoring and protecting.

Today, we recognize the history behind June 19 and the importance of continuing to build stronger, more equitable communities.

We’re grateful to serve a community made stronger by many stories, experiences, and voices.

We hope you have a meaningful day of reflection and connection.

Is buying a home still worth it for first-time buyers?Short answer: it depends on the plan.A lot of first-time buyers ar...
06/17/2026

Is buying a home still worth it for first-time buyers?

Short answer: it depends on the plan.

A lot of first-time buyers are asking the right question right now:
“Is it actually worth it to buy, or should I keep renting?”

Here’s the truth: buying a home isn’t automatically the right move.

But renting forever isn’t automatically the safer move either.

The real question is whether buying puts you in a stronger financial position over time.

That’s where the Smart Move Filter comes in.

Before you buy, you need to understand:
- Can the payment work in real life?
- Do you still have savings after closing?
- How long do you expect to stay?
- What would waiting cost you?
- Could this home create options later?

Your first home doesn’t have to be your dream home.
It may simply be the home that helps you build equity, stability, and choices for the next chapter.

So no, we don’t believe in rushing into homeownership… We believe in helping you decide if buying is a smart move for your life, your numbers, and your future.

Before you decide buying “isn’t worth it,” let’s run the full picture.

Mortgage advisors do some strange things. 😂We care about bank statements.We ask about random deposits.We notice new cred...
06/15/2026

Mortgage advisors do some strange things. 😂

We care about bank statements.
We ask about random deposits.
We notice new credit pulls.
We think about offer terms before most people have had coffee.

And none of it is random.

A mortgage approval isn’t just about whether you can buy a home… It’s about whether your full financial picture supports the move.

That means we’re looking at income, debt, cash flow, reserves, credit, timing, documentation, and risk.

That’s the work behind the scenes.

It’s also why our process is built around the Offer Ready System.

Because when it’s time to make an offer, we don’t want you guessing. We want you prepared.

If you’re thinking about buying in the next 6 to 12 months, the best time to start cleaning up the details is before you fall in love with a house.

Selling the home doesn’t mean the memories mean less.For many homeowners, this is the part no one talks about enough.The...
06/12/2026

Selling the home doesn’t mean the memories mean less.

For many homeowners, this is the part no one talks about enough.

The move may make sense financially.
The home may be too large.
The upkeep may feel heavy.
The next chapter may be calling.

But that doesn’t make the decision easy.

A home can be the right home for one season and still not be the right home for the next one.

That doesn’t erase the birthdays, holidays, dinners, quiet mornings, or years of life that happened there.

It just means your needs have changed.

According to NAR’s 2026 report, sellers often sold to move closer to friends or family, because the home was too small, or because the home was too large.

That’s why selling should never be treated like just a transaction.

It’s a financial decision, but it’s also a life decision.

Before you sell, use our Smart Move Filter:

Does this move improve your daily life?
Does it support your cash flow?
Does it reduce stress or upkeep?
Does it bring you closer to the lifestyle you want?

Selling doesn’t mean leaving the memories behind.

It means making room for what comes next.

Thinking about selling or downsizing? Let’s talk through the numbers and the life side before you decide.

Will a home sale contingency make my offer weaker?Here’s the truth: it can, but it doesn’t have to.Most people think a h...
06/10/2026

Will a home sale contingency make my offer weaker?

Here’s the truth: it can, but it doesn’t have to.

Most people think a home sale contingency automatically kills the deal. In reality, sellers are mainly asking one thing: How certain is this offer to close?

A home sale contingency adds uncertainty because your purchase depends on another sale happening on time. That’s the Invisible Risk sellers worry about.

What makes it stronger is how you manage the certainty.

Our Deal Certainty Framework looks at things like:

* Is your current home already listed (or ready to list)?

* Do you have a pricing and timeline plan that’s realistic?

* Can you shorten the contingency window?

* Can you show proof you’re already approved and fully prepared?

Is there a backup plan if the sale takes longer than expected?

Sometimes the best move is getting “Offer Ready” first, so your offer doesn’t feel like a maybe.

If you’re buying and selling at the same time, message us “Contingency” and we’ll map out a clean plan that protects your deal and your peace.

Inflation moved up again, and buyers immediately assume one thing: “Great… rates are going up.”But this chart is why it’...
06/08/2026

Inflation moved up again, and buyers immediately assume one thing: “Great… rates are going up.”

But this chart is why it’s not that simple.

The headline number moved higher. The core number (what removes food and energy) is rising more slowly.

That gap matters because energy prices can whip around and make the overall number look hotter than the everyday economy.

How I’m coaching clients this week:

* For buyers: Don’t build your plan around a big drop “any day now.” Build it around what you can control, like payment comfort, cash reserves, and readiness.

* For sellers: If you’re waiting for rates to fall before listing, remember your buyer pool is still out there. They just need clarity and a workable monthly plan.

If you’re an agent and you want a simple way to explain this to a nervous client, feel free to share this post. We’d rather people make decisions with context, not panic.

Literacy

On to Switzerland…one of the most GORGEOUS counties I have ever seen! We were hosted by Bob’s relatives Jouni Epper and ...
06/06/2026

On to Switzerland…one of the most GORGEOUS counties I have ever seen! We were hosted by Bob’s relatives Jouni Epper and Katja Elmer Epper with a killer walking tour of Zürich, and their families joined us for an amazing Swiss dinner! Then they all walked us to our hotel…a beautiful ending to an incredible evening! Love you guys!! ♥️♥️🇨🇭

Most people think all mortgage help is the same.It’s not…Some people help you get a loan.Some people help you make a sma...
06/05/2026

Most people think all mortgage help is the same.

It’s not…

Some people help you get a loan.
Some people help you make a smart homebuying decision.

That difference matters when you’re trying to figure out:
✅ how much house you can afford
✅ how much money you need to buy a home
✅ whether now is a good time to buy
✅ what first-time homebuyer programs may help
✅ how to prepare your credit and cash flow

The best mortgage professionals do more than get you to the closing table.

They help you:
🎯 understand your options
🎯 avoid bad timing decisions
🎯 think through payment comfort
🎯 prepare before there’s a problem
🎯 make a plan that fits your life

If you’re a buyer, save this.
If you’re an agent, share this with clients who need the right kind of guidance.

Literacy

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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