By Scott Wagner | Loan Officer | NMLS #612287Updated September 2026 About the Author I’ve spent more than 20 years in the mortgage industry, including experience as a senior mortgage underwriter. Today, I help homebuyers and homeowners throughout Glenwood Springs, the Roaring Fork Valley and Colorado’s Western Slope understand their financing options, think through the tradeoffs, and make informed mortgage decisions based on their individual circumstances. This might be the m

About the Author Scott Wagner | Loan Officer | NMLS #612287 I’ve spent more than 20 years in the mortgage industry, including experience as a senior mortgage underwriter. That underwriting background influences how I evaluate condo financing today—including borrower qualifications, property eligibility and potential condominium-project issues that can affect a mortgage. You’ve found a condo in Glenwood Springs you like. Your income, credit and assets look good, and you’ve bee

About the Author Scott Wagner | Loan Officer | NMLS #612287 I’ve spent more than 20 years in the mortgage industry, including experience as a senior mortgage underwriter. I work with homebuyers throughout Western Colorado to evaluate mortgage programs, qualification requirements and different ways to structure a home purchase based on their individual circumstances. For many first-time homebuyers, the biggest obstacle isn't necessarily being able to afford a monthly housing e