3 Ways I Can Help You Finance Your Next Home

By Derek and Mariana Wagner

Since launching their real estate careers together on September 11, 2001, Derek and Mariana Wagner have been a trusted team in the Colorado Springs market for over two decades.

I have some news I’m genuinely excited to share, and if we’ve worked together, know each other, or you’re part of the Artisan Group family, this one is for you. I’m now a lender with Envoy Mortgage, here specifically to take care of our buyers and homeowners. I’ve been real estate licensed since about 2001 and mortgage licensed since 2016, and since my husband Derek and I own the Artisan Group, I know this team, I know our clients, and I know exactly how a transaction needs to run. I’m still real estate licensed, but I don’t sell homes anymore.

My whole focus now is on your financing. You’re always free to choose whichever lender you want while working with our team, but if you give me a shot, here are three things I can bring to the table.

1. A lender-paid 1% rate reduction for your first year. I can cover a 1% interest rate reduction for your entire first year of payments. That’s on me, not you, and it can make a real difference in your monthly number while you settle into your new home.

2. The Envoy Boomerang refinance safety net. You buy your home now, maybe with my buydown, and if rates drop later, you can come back and refinance with our processing and underwriting fees completely waived. Think of it as insurance against today’s rates. You’re not stuck, you’re covered.

3. A special loan for members of federally recognized tribes. If you’re an enrolled member of a federally recognized tribe, there’s an incredible loan built for you through the federal Section 184 program. It allows as little as 2.25% down, potentially lower with the down payment assistance options we also offer, and it doesn’t carry the monthly mortgage insurance you’d pay on an FHA or conventional loan with less than 20% down.

There are no income limits, and here in El Paso County, loans can go up to just over $540,000, though every county is a little different. It works on or off tribal land, for purchases and even renovation loans, and Colorado is fully eligible, along with many of the states out here on the west side.

If any of this feels like a fit for you or someone you love, let’s talk. I would be honored to help you find your home or refinance the one you’re in. Reach out to me at (719) 437-7311, email me at derekandmariana@artisangroupco.com, or visit agentsforlife.com, and let’s find the right path forward together.