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 cover how scores affect interest rates over the life of a loan, what buyers can do in the months before applying to improve their score, and how to handle concerns like hard inquiries and credit report errors. Listeners will come away with a clearer sense of where they stand and what steps they can take next, whether they're ready to apply now or still a few months out. Home Base is a weekly podcast from Pivot Lending Group helping first-time homebuyers understand the mortgage process, available assistance programs, and what to expect on the road to ownership. 🌐 Resources in English & Spanish: https://cofirsttimebuyergrants.com/

https://cofirsttimebuyergrants.com/