Today’s Guests:
On this episode of The Your Money Matters Radio Show, Kurt Rogers, Managing Broker at Affordable Interest Mortgage is with us to explain why today’s housing landscape is truly a buyer’s market. With more homes available, longer days on market, and sellers offering incentives, buyers have strong negotiating power. Despite the slowdown, home values are not depreciating—conforming loan limits have risen to $832,750 for 2026, and NAR reports 2.7% appreciation year-to-date. Kurt emphasizes long-term ownership: a $500,000 home appreciating at 2.7% annually becomes worth over $600,000 in seven years. A key opportunity in this market is seller concessions, especially 2/1 and 3/2/1 buydowns, which can dramatically reduce payments and save thousands upfront. Buyers can also choose to apply concessions toward a permanent rate reduction. Kurt encourages knowing your true credit score, optimizing it for the lowest rate, and exploring flexible loan programs like FHA and VA. With appreciation trends and strong concessions, now is an excellent time for buyers to take advantage. Kurt Rogers is our exclusive Mortgage Broker. Call Kurt at (720) 895-0500 and explore your mortgage refinance options if you have high interest debt! Kurt is saving real clients, real money! Check out the website at www.aimortgage.net. Affordable Interest Mortgage – Powered by IMB #2191655. NMLS 217147. Equal Opportunity Lender. MLO #100020228.

Then, it’s another great episode of the Medicare & More Show with host Scott Whatley and special guest Jim Garey, Licensed Insurance Broker & Founder of Silver Sherpa, Inc., joined by Agent Dylan Nava. On today’s show we talk more about about the Annual Election Period (AEP) which is only open for another week, ending on December 7, 2025! Jim walks us through the process of what all Silver Sherpa Inc does to make sure you have the right plan. Dylan explains the “Plan Optimizer Profile”, which is what every perspective client fills out so they can analyze your Doctors, Medications etc. Jim also says hey even if you think you have the right plan, give Silver Sherpa Inc a call 303-862-5554, the services are free for you to have your current plan checked out.

AEP is open now – take action today! Visit www.Sherpa123.com to learn more. As an Independent Broker there is no fee for Jim to be your “Sherpa”, your Guide up Mt. Medicare. As a Broker, Jim offers the same exact pricing as Aetna, Humana, United Health Care, etc. the Silver Sherpa’s guidance up Mt. Medicare does not cost you a penny. All commissions are paid by the insurance companies. Call 303-865-5534. ⛰️ Don’t climb “Mt. Medicare” alone — let Silver Sherpa be your guide every step of the way!

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