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
Pre-Approval vs. Pre-Qualification: What Colorado Buyers Need to Know
Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to clear up one of the most common points of confusion for first-time buyers: the difference between pre-qualification and pre-approval. Marc explains what each one ...
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 expect. They cov...
First-Time Buyer Down Payment Assistance in Jefferson County
Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to walk through down payment and closing cost assistance options available to first-time buyers in Jefferson County, including communities like Lakewood, Arvada, Gol...
Colorado First-Time Homebuyer Grants: What's Available in 2026
Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to walk through the grant and down payment assistance programs available to first-time homebuyers in Colorado in 2026. They cover how these programs actually work, w...
Pre-Approval vs. Pre-Qualification: What Colorado Buyers Need to Know
Host Lauren sits down with Marc Emrich, Senior Loan Originator at Pivot Lending Group, to break down the real difference between pre-qualification and pre-approval — two terms that sound similar but carry very different weight when it's time to ma...