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