By Scott Wagner | Loan Officer | NMLS #612287 Updated October 2026 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. Today, I help homebuyers and homeowners throughout Glenwood Springs, the Roaring Fork Valley and Colorado's Western Slope understand their mortgage options and how those options fit into the bigger financial picture. First-time homebuyers i

By Scott Wagner | Loan Officer | NMLS #612287 Updated September 2026 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. Today, I help homebuyers and homeowners throughout Glenwood Springs, the Roaring Fork Valley and Colorado's Western Slope understand not only whether they can qualify for a mortgage, but why—and how their income, employment, debts and cash

About the Author Scott Wagner is a mortgage loan officer with nearly 20 years of experience in the mortgage industry, including experience as a senior mortgage underwriter. Based in Glenwood Springs, Colorado, Scott works with homebuyers and homeowners throughout the Roaring Fork Valley, Western Colorado and beyond. His approach is simple: help people understand their options, the numbers behind them and the bigger financial picture so they can make smarter mortgage decisions