Home Base
Home Base with Marc Emrich
Buying your first home in Colorado is one of the biggest decisions you'll ever make — and most people start with more questions than answers. Home Base is here to change that.
Each week, mortgage broker Marc Emrich of Pivot Lending Group sits down to answer the real questions first-time buyers are asking: How much do I need for a down payment? What does my credit score actually mean for my loan options? What is a forgivable loan — and how is it different from a grant? What happens at closing?
No jargon. No pressure. Just clear, honest answers from a Colorado mortgage professional who helps buyers navigate the path to homeownership every day.
New episodes every week. Subscribe and start your journey home.
Home Base
Latest Episodes
Credit Score Requirements for First-Time Buyers in Colorado
Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to walk through what credit scores first-time buyers in Colorado actually need to qualify for a mortgage — and why the bar is lower than most people assume. Marc exp...
Down Payment Myths Colorado First-Time Buyers Believe
Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to break down why the 20% down payment rule stops so many Colorado first-time buyers before they ever get started. Marc explains where that number actually comes fro...
How First-Time Homebuyer Grants Work in Colorado
Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to break down how first-time homebuyer grants actually work in Colorado — including the difference between true grants, forgivable loans, and deferred loans, and wha...
What Credit Score Do You Need to Buy a Home in Colorado?
Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to break down what credit scores actually matter when buying a home in Colorado. They cover the minimum scores required for different loan types, how your score a...
How Much Down Payment Do You Need to Buy a Home in Colorado?
Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to clear up one of the most common misconceptions in homebuying: that you need 20% down to purchase a home. Marc walks through what buyers in Colorado actually need ...