about me
Meet Adam Fry –
Your Mortgage Guide
Dedicated to helping you win!
As a Colorado native, husband, father, and proud grandfather, I’ve built my life and career around helping people win. From serving my community as a volunteer firefighter/EMT to guiding families today as a mortgage lender, I’m passionate about making the dream of homeownership a reality.
“If you are looking for a Mortgage Professional WHO CARES,
you can stop right here because Adam is your Guy.
We all know taking on a Mortgage can be one of the BIGGEST decisions of your life.
Let Adam help you navigate the FASTER, EASIER and CHEAPER PROCESS.”
Randy W.
Service deserves its rewards®
There are a lot of loan options –
Let’s find you the right one for you.
Whether you’re looking to buy, refinance, or grow your real estate portfolio, we’ve got you covered with the right loan products to fit your needs.
Conventional Loans
The most common type of mortgage. It’s not backed by the government and usually requires decent credit and a down payment, but it gives you flexibility with different loan terms and options.
FHA Loans
Backed by the Federal Housing Administration and is designed to help people with lower credit scores or smaller savings. It allows for a lower down payment and is especially popular with first-time homebuyers.
va loans
A benefit for military service members, veterans, and some surviving spouses. It usually requires no down payment, has no monthly mortgage insurance, and often offers better rates — making it one of the strongest loan options available.
jumbo Loans
For homes that are more expensive than the standard loan limits allow. Because of the larger loan amount, these mortgages have stricter requirements, like higher credit scores and bigger down payments.
usda Loans
Helps people buy homes in certain rural or suburban areas. It offers no down payment and low mortgage insurance, making it a great option for qualifying buyers outside big cities.
Specialized
Portfolio Loans
For unique situations. These include loans for farms, self-employed borrowers using bank statements to prove income, or other special programs. They don’t always follow traditional rules, which makes them a flexible option for people who don’t fit the standard loan mold.
Get the process started!
It will only take a Few Minutes
The answers to all your mortgage questions…
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home’s overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home’s value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you’ve finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life’s needs.
The first thing you should do in the event that you can’t afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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