Free 60-Minute Live Class · Northern Colorado

How Northern Colorado renters are buying their first home — even if they think they can't yet.

A free live class with a Northern Colorado mortgage Loan Officer and a 30-year local Realtor. Real numbers, real programs, no pitch. Next class: Tuesday, July 14 at 6:30 PM MT.

Save Your Seat

It's free. It's live. It's worth an hour.

Tuesday, July 14 · 6:30 PM MT · 60 minutes · Zoom

What you'll learn

Five things that change how you see home buying — in 60 minutes.

The 3–5% down truth — and why "20% down" is the most expensive myth in the housing market.

The real credit score thresholds lenders actually use (580+ FHA, 620+ conventional) — not the 720 you've been led to believe.

The Colorado DPA programs (CHFA, metroDPA, and others) that can cover your entire down payment — including programs with income limits well above what most buyers expect.

The difference between pre-qualification and pre-approval — and why one of them gets your offer thrown out.

The actual math on "waiting for rates to drop" — and why it usually costs renters more than buying now.

Honest disclaimer

This class isn't for everyone. Here's who it's actually for.

Show up if you…

Are renting in Northern Colorado and want to stop
Have credit somewhere above 580 (or aren't sure)
Don't have $50K saved for a down payment
Make somewhere between $50K and $120K a household
Have been told "no" or "not yet" before
Want straight answers, not a sales pitch

Skip it if you…

Already own a home and aren't buying again soon
Are looking for luxury or investor-grade properties
Want a guaranteed approval before doing any work
Aren't planning to buy in the next 24 months
Just want to argue about interest rates online

Meet your hosts

Two locals. Forty-plus years of combined experience. One free hour.

Charles Smith

Mortgage Loan Officer · NMLS #2606849

I help Northern Colorado renters become homeowners. I'm a math nerd — I run the numbers so you get the best deal, not the easiest one. Everyone deserves a clear, honest path to homeownership, especially when it feels out of reach.

Elite Financial Team, LLC · Licensed across Colorado

Becky J Shannon

Realtor · 30+ years in Northern Colorado

Becky has been a Colorado real estate agent since 1995 and has helped over 2,400 people become homeowners. She knows this market like the back of her hand — Fort Collins, Loveland, Greeley, Longmont, Thornton, Westminster, Boulder, and everywhere in between.

After you register

Here's exactly what happens next.

Confirmation arrives

You'll get an email and a text within 60 seconds with the Zoom link, calendar invite, and a short note from me.

We remind you

One reminder 24 hours before. One reminder 1 hour before. We don't spam — we just don't want you to miss it.

You join from anywhere

From your phone or laptop. No download. No camera required. Bring one question you've always wanted to ask a lender.

Common questions

Questions other renters have asked.

Is this really free? What's the catch?

No catch. The class is free and there's nothing to buy. At the end, anyone who wants to take a free 30-minute strategy call with me one-on-one can book one. That's it. No upsell, no $497 course, no pressure.

Will you pitch me something at the end?

I'll offer a free strategy call. No paid products. No "premium tier." If you don't want a call, you don't take one — and you walk away with an hour of useful information either way.

What if I can't make it live?

If you register and miss it, I'll send you the replay for 48 hours. After that it comes down. Live is better — you can ask questions in real time — but the replay is there as a safety net.

Will any of this hurt my credit?

Nothing in the class touches your credit. If you choose to take a strategy call later, we'd do a soft credit pull at that point — soft pulls do not affect your credit score, no matter how many you do.

I have student loans / low credit / no savings. Should I still come?

Yes — that's exactly who this class is built for. Most of what we cover is specifically for people who've been told they're not ready. You might be more ready than you think.

How long is the class?

60 minutes, plus 10–15 minutes of live Q&A at the end if you want to stick around.