Today’s Guests:
On this 9/22/26 episode of Your Money Matters, Kurt Rogers of Affordable Interest Mortgage focused on “How are today’s mortgage rates affecting home purchases?” Kurt explains why many buyers are being cautious and waiting for rates to come down and why the interest rate may not be the only factor to consider when deciding whether to buy a home. Kurt looks at mortgage rates over the past five years, which have generally remained within a relatively narrow range. He explains what those rates mean for a 30-year mortgage and why waiting for a specific rate, such as 6%, 5.5%, or lower, could mean overlooking other opportunities in today’s housing market. Home appreciation is another important part of the equation. Colorado home values have continued to appreciate, while buyers are now seeing more inventory and potentially more motivated sellers. Kurt explains how seller concessions can help buyers with closing costs or mortgage rate buydowns. A seller concession of $10,000–$20,000, for example, may provide an opportunity to reduce the mortgage rate and potentially save more each month than simply waiting for market rates to fall. Kurt also discusses options for buyers who don’t have 20% to put down, including situations where a slightly larger loan and mortgage insurance may still result in meaningful monthly savings when combined with a rate buydown. For current homeowners, Kurt explains how home appreciation and accumulated equity may provide another financial tool. With household debt, credit-card interest rates, taxes, and insurance putting pressure on monthly budgets, using available home equity may potentially reduce overall monthly debt obligations. The key message: Don’t focus only on the mortgage rate. Understanding how to use your money, seller concessions, equity, and available financing options may be just as important. 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.

On this edition of Medicare & More, Scott Whatley is joined by Jim Garey, an independent Medicare broker and owner of Silver Sherpa, to discuss one of the most important times of the year for Medicare beneficiaries—the Annual Enrollment Period (AEP). Jim explains what AEP is, who it is designed for, and why this enrollment period can be an important opportunity for Medicare beneficiaries to review their current coverage. Medicare plans, benefits, premiums and provider networks can change from year to year, making it important to understand what your current plan will look like going forward. One of the biggest sources of confusion is the difference between Medicare Advantage Plans and Medicare Supplement Plans. Jim breaks down how these two approaches work, including differences in coverage, costs and how beneficiaries typically use their Medicare benefits. A key message from the interview is that beneficiaries do not have to navigate these decisions alone. Jim can review a client’s current Medicare plan and help them understand their options at no cost to the client.
Whether you are satisfied with your current coverage or wondering if another option may better fit your needs, understanding your choices is the first step. There no cost to just verify you have the right plan. Also, Host Scott Whatley recently attended a workshop brought to you by Silver Sherpa, and him ask Scott to share a few thoughts about his impressions of the workshop and the overall experience in attending. Tune in to Medicare & More with Jim Garey and Silver Sherpa to help make Medicare a little easier to understand. For more information call Jim today 303-865-5554 or contact him at www.Sherpa123.com.

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