Mortgage Solutions Financial-Shanan Ridens

🏡Buying a home starts with your credit, and the good news is there are simple things you can do right now to improve your chances of qualifying for a mortgage.

💡Here are a few key things lenders look at when reviewing your credit:

✔ Payment history – The biggest factor in your score. Making every payment on time is extremely important.
✔ Credit utilization – Try to keep credit card balances below 30% of the limit, and ideally under 10% for the best scores.
✔ Length of credit history – Older accounts help your score, so avoid closing long-standing accounts.
✔ New credit inquiries – Opening new credit accounts before buying a home can lower your score and affect qualification.

Many buyers are surprised to learn that you don’t need perfect credit to buy a home. There are loan programs that allow for lower credit scores, and sometimes just a few small changes can significantly improve your approval options.

If you’re thinking about buying a home in the Farmington or Four Corners area, I’m happy to take a look at your situation and help you create a plan to get mortgage-ready.

Sometimes it only takes a few quick adjustments to get you closer to homeownership.

📞 Call or text anytime to get started.

Shanan Ridens
Mortgage Solutions
970-799-7749
NMLS #1480220

Homeowners: Have you checked your equity lately? 🏡

Refinancing could allow you to:
• Lower your monthly payment
• Access cash for home improvements
• Consolidate debt
• Remove mortgage insurance

Even if rates aren’t what they were a few years ago, refinancing can still make sense depending on your goals.

If you’d like a quick refinance review, I’m happy to help.

📞 970-799-7749
Shanan Ridens
Mortgage Solutions
NMLS #1480220

🐶🐱

🐾 Puppy & Kitten Season is Here — Local Shelters Need Your Help! 🐾

This time of year, shelters across our community see a huge increase in litters of puppies and kittens coming through their doors. While they’re adorable, caring for so many babies at once can quickly overwhelm shelters.

That’s where foster homes make a lifesaving difference.

Fostering helps by:
🐶 Giving puppies and kittens a safe place to grow
🐱 Helping shy or stressed animals relax in a home environment
🍼 Providing bottle babies the constant care they need
🏥 Giving sick or injured pets a quiet place to recover
🏠 Opening kennel space so shelters can help even more animals in need

Even a few weeks in a foster home can change a pet’s life.

💜 If you’ve ever thought about fostering, now is the perfect time.

Reach out toourlocal animal shelters and rescue groups to learn how you can become a foster and help save lives right here in our community.

Spring break fun for the kiddos! 👇🏼

It’s Spring Break Week, and we have a full lineup of fun activities planned! Join us for games, crafts, presentations, and more throughout the week.

There is no charge to attend, with the exception of the swimming field trip. All participants must have a child profile sheet completed in case of emergency.

Please send kiddos with a lunch, snacks, and a refillable water bottle each day.

We are open Monday–Friday from 8:00 AM to 8:00 PM. Daily activities will begin at 10:00 AM and end at 4:00 PM.

Come spend your Spring Break with us—we can’t wait to see everyone! ☀️🎨🎲💧

👇🏼