Logical Tips for ALL Buyers seeking a home mortgage

Take the necessary steps to qualify for a home mortgage loan. Get the FACTS & then plan your home purchase accordingly!


Get Pre-Qualified!
Before you actually start to schedule showing appointments, make an appointment to meet face-to-face with your local banker or mortgage broker.

“Time waits for no one!”
Buyers are facing fewer options due to lower levels of active listings in today’s market. Knowing what YOU can afford & having your pre-approval loan letter in-hand greatly increases YOUR odds of buying the home of your dreams!


  • Local lenders know the territory! Local lenders know the current real estate values in each area & subdivision throughout the Roaring Fork Valley.
  • Local lenders provide sound, professional advice! Loan approval is based on what YOU can actually afford and what, in reality, it takes for you to get mortgage loan approval in today’s market. There will be no surprises by working with the local lenders.
  • Local Lenders consider your personal needs and circumstances! YOU are not just a name and number – YOU are a person with individual needs and circumstances. Local lenders will offer you financing options based on your personal situation, your credit worthiness & within your budget constraints and income parameters.
  • Local Lenders can answer all of your questions! Working one-on-one with a local lender in a private setting ensures that YOU understand all financial obligations & legalities.

Local Lenders & Title Companies will provide you with secure email delivery!

Protect your confidential financial & credit history so NO ONE, except YOU and your lender, can access your private information.
BUYERS BEWARE! Protect YOUR personal Identity and confidential credit history!

Never provide your personal financial data and credit history to a total stranger, sight unseen!

Never trust the most expensive purchase in your life to an unknown Internet lender! They may not be who or what they say they are, nor are they likely to consider your personal circumstances like local lenders tend to do!

Local lenders you can count on ...

Lynne Billac

“Local Mortgage Loan Officer helping borrowers acquire funding for purchase or construction of dream homes in all 50 states!” “I’m passionate about helping you find the loan that best fits your goals and dreams!”

Chase Home Mortgage
Loan Officer

Direct: 970-948-2453‬
Email: lynne.billac@chase.com
419 E Hyman Ave Unit 2, Aspen, CO 81611

Randy Diers

“ANB Bank is a full service community bank that offers many competitive banking products to meet your needs. We are vested in our community and take pride in delivering great customer service. I welcome the opportunity to meet you, understand your unique situation and help find the right solutions to meet and exceed your financial needs and expectations. Please call me to get your questions answered and thank you for considering ANB Bank!”

ANB Bank

Direct: 970-528-1278‬
Office: 970-945-8511
Email: randy.diers@anbbank.com
2624 Grand Avenue, Glenwood Springs CO 81601

Kathie Jaycox

“Here to help you get started … Whatever your home financing needs may be, I’m here to help you. With access to a wide range of products and programs, home buyer resources, and my support, you can feel confident that the home financing you choose fits your needs.”

Wells Fargo Home Mortgage
Loan Officer

Direct: 970-704-1852
Cell: 970-948-3027
Fax: 866-358-0241
Email: kathie.jaycox@wellsfargo.com
1201 Highway 133, Carbondale, CO 81623
NMLSR ID 413704 | MAC C7411-011


Scott Wagner

We strive to make a positive difference in the lives of others by providing a completely transparent and consultative mortgage lending experience.”

Cornerstone Home Lending
Mortgage Loan Originator

Direct: 760-500-2123
Office: 970-945-2008
Email: swagner@houseloan.com
817 Colorado Ave, Suite 102, Glenwood Springs, CO 81601