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SCOTT WAGNER | LOAN OFFICER | NLMS# 612287
Local Mortgage Expertise.
Smarter Mortgage Decisions.

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With more than 20 years of mortgage experience—including a background as a senior mortgage underwriter—I help homebuyers and homeowners make smarter mortgage decisions in Glenwood Springs, the Roaring Fork Valley and throughout Western Colorado.

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Why Experience Matters

A mortgage isn't simply about finding a rate. Experience matters when it comes to understanding guidelines, identifying options, and structuring financing around what you're trying to accomplish.

Underwriting Experience

My background as a senior mortgage underwriter gives me a different perspective on every loan. I understand how lenders evaluate income, assets, credit, property and risk—and how to identify potential issues before they become problems.

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Western Colorado Knowledge

Financing a home in Western Colorado can come with considerations you don't encounter everywhere. From unique properties and acreage to local market conditions, I understand the questions that come with buying and owning a home here.

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Advise Before a Loan

Sometimes the best mortgage decision isn't immediately obvious. I help you understand the numbers, compare your options and think through the tradeoffs so you can make an informed decision—even when that means the best move is to do nothing right now.

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Mortgage Answers

Real mortgage questions. Clear answers based on experience.

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Explore answers to questions I'm hearing from homebuyers and homeowners throughout Glenwood Springs, the Roaring Fork Valley and Western Colorado.

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Have a Mortgage Question?

Whether you're buying a home, considering a refinance, or simply wondering if there's a better way to structure your mortgage, I'm happy to help you understand your options and think through the numbers.

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