The Mortgage Coach

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The Mortgage Coach The Mortgage Coach A veteran of 30 years in the mortgage business this professional can assist you in your search for a new mortgage.

Rob has been involved in every aspect of the mortgage profession from data entry to selling loans on the secondary market. Rob has learned all stages of the mortgage process by originating, processing, underwriting as well as a regional sales manager for the western United States. His vast knowledge of the business provides his clients the best service possible and the ability to adjust as the sometimes volatile mortgage market changes. Licensed in Colorado, Florida, Nevada and Texas

10/15/2026

NO!

This is one of those mortgage myths that can stop someone from pursuing homeownership before they even get started.

Changing employers, getting promoted, switching industries, or having a gap in employment doesn’t automatically disqualify you.

What matters is your employment history, how you earn your income, and the mortgage program you’re using.

How many other mortgage requirements have you heard about that might not actually be true?

If buying a home is your goal, you NEED to be in my FREE LIVE Homebuyer Game Plan Class.

Stop making decisions based on assumptions.

Reserve your seat! Link in comments.

10/15/2026

We can spend every day with somebody and still have no idea what they’re going through.

A friend. A spouse. One of our children. A coworker.

We assume they’re okay because they haven’t said otherwise. We assume they’re strong because they’ve always been strong.

But sometimes the people closest to us are the ones we’re overlooking.

One of the principles I believe in as a coach is simple:

START WHERE THEY ARE.

Not where you think they should be. Not where YOU would be in their situation.

Take the time to understand what they’re dealing with.

Sometimes people don’t need advice or solutions. They just need somebody who gives a damn.

And that applies to a whole lot more than coaching.

10/14/2026

And here’s the problem.

Too many people hear about ONE program, assume that’s their only option, and start making decisions without knowing what else is available.

FHA, VA, USDA, conventional loans, down payment assistance, and specialized options for teachers, first responders, and medical professionals.

But the program with the lowest down payment isn’t necessarily the one that’s best for YOU.

If you WANT to own a home, you need to understand your options BEFORE you start shopping.

And if you don’t know which programs are available or which ones might work for you, you NEED to be in my FREE LIVE Homebuyer Game Plan class.

Stop guessing. Get your Game Plan.

Link in the comments.

10/14/2026

How much money do you REALLY need to buy your first home?

Here’s where a lot of first-time buyers get it wrong.

They focus on saving for the down payment without understanding everything else that goes into buying a home.

And some are still convinced they need 20% down!

The amount of money you need depends on your loan program, your financial situation, and what you want your finances to look like AFTER you get the keys.

You don’t need to guess. You need a Game Plan.

If you WANT to buy your first home, get the information you need BEFORE you start shopping.

My FREE Homebuyer Game Plan class is LIVE and ONLINE.

Click the link in the comments. Save your seat. Let’s get you ready.

10/13/2026

YOU HAVE A FIXED-RATE MORTGAGE?

So why the heck did your payment just go UP?! 🤔

I’ve heard it plenty of times.

“Coach Rob, I have a FIXED mortgage! My payment isn’t supposed to change!”

Well… there’s a little more to that story.

You locked your INTEREST RATE.

You didn’t lock your property taxes.
You didn’t lock your homeowners insurance.
And you certainly didn’t lock your escrow account!

Let’s say your payment is $2,500.

Property taxes increase $1,200 a year.
Insurance increases $600 a year.

Congratulations! Your payment just went up $150 a month.

And if you’ve got an escrow shortage from last year? It could go up EVEN MORE!

Your interest rate never changed.

Your principal and interest payment never changed.

But your TOTAL payment certainly did!

A fixed-rate mortgage doesn’t necessarily mean a fixed total payment.

Has YOUR mortgage payment gone up even though you have a fixed rate?

I’d love to hear how much!

10/12/2026

WHO TOLD YOU THAT?

Zillow? Your neighbor? That house down the street that just went on the market?

Here's something homeowners need to understand, especially with prices softening in some housing markets.

What you THINK your home is worth and what somebody will actually PAY for it can be two very different numbers.

Let's do some math:
You think your home is worth $600,000.
You owe $400,000.

That's $200,000 in estimated equity.
But what if it actually sells for $550,000?
Now you've got $150,000.

Subtract another 4%–6% in estimated selling costs, and you could walk away with roughly $117,000–$128,000.

That's a BIG difference from the $200,000 you thought you had!

Equity is REAL. But equity and cash in your pocket are NOT the same thing.

Before making financial decisions based on your home's value, make sure you're working with realistic numbers.

And remember...
ZILLOW DOESN'T WRITE THE CHECK AT CLOSING!

How accurate do YOU think Zillow is in your neighborhood?

10/07/2026

Yep. I’m coming after another one today. 😂

If you spend $8,000 to lower your mortgage payment by $100 a month, did you really “save” $100?

Not yet.

It takes almost 7 YEARS just to get your $8,000 back.

And that’s the part people forget when they become obsessed with getting the payment as low as possible.

Could we lower your payment by:

Putting more money down?
Buying the rate down?
Paying off another debt?
Using more of your savings?

Sure.

But what did it COST you to get there?

Your payment needs to be comfortable. Absolutely.

But the lowest payment does NOT automatically mean the best mortgage.

Sometimes you just paid a whole lot of money to make one number look better.

Stop shopping for a payment.

Build a Game Plan.

Agree or disagree? Let me hear it.

10/07/2026

Can you use your VA loan while you’re still on active duty?

YES — you don’t have to wait until you separate or retire.

If you’re eligible for your VA home loan benefit, you may be able to put it to work while you’re still serving.

But there’s a difference between being eligible for the benefit and understanding how to use it to your advantage.

If you’re active duty and you WANT to own a home, get your Game Plan together before you start looking at houses.

That’s what we’re doing LIVE in my FREE VA Homebuyer Master Class.

You earned the benefit. Let’s learn how to use it.

Link in the comments.

10/06/2026

STOP paying extra on your mortgage!

There. I said it. 😂

Some of you have a beautiful 3% mortgage that you wouldn’t refinance if somebody paid you.

But every month you’re sending an extra $100, $200, maybe $500 trying to get RID of it faster.

WTH?!

Yes, paying extra principal saves interest and pays your house off sooner.

But is eliminating 3% debt really the best place for your NEXT dollar?

Especially if you have:

Credit cards at 20–25%+.
Not enough emergency savings.
Retirement contributions you’re neglecting.
Other financial priorities that need attention.

We’ve been taught that responsible homeowners pay off their mortgage as quickly as possible.

I’m challenging you to ask whether that actually makes fiscal sense for YOUR situation.

If that 3% mortgage is so valuable that you’re protecting it like GOLD…

why are you throwing extra money at getting rid of it?

Agree? Disagree? Think I’ve lost my mind?

👇 Tell me in the comments. I WANT to hear this one.

10/06/2026

Have you ever actually looked at your VA Certificate of Eligibility?

A lot of Veterans know they have a VA home loan benefit but have never seen their COE — much less understood what it tells us.

And if you WANT to buy a home using your VA benefit, this is information you need to understand.

Your COE is just one piece of the VA homebuying process.

That’s why I teach my FREE VA Homebuyer Master Class LIVE — so you understand the benefit BEFORE you try to use it.

You earned the benefit. Let’s learn how to use it.

Link in the comments.

Address

10952 South Pikes Peak Drive
Parker, CO
80138

Telephone

+13036197758

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