Cameron Financial Services

Cameron Financial Services Providing consumer information on residential, investment, reverse mortgages

We've covered a lot of ground over the past 30 days -- from conventional loans to DSCR, from first-time buyers to revers...
09/25/2026

We've covered a lot of ground over the past 30 days -- from conventional loans to DSCR, from first-time buyers to reverse mortgages, from rate comparisons to renovation financing.

Here's what I want you to take away from all of it:

Mortgage lending isn't one-size-fits-all. Every borrower has a unique story, a unique set of circumstances, and a unique set of goals. My job is to listen, understand, and find the right solution -- not just the easiest one.

Whether you're:
- A buyer ready to take your first step toward homeownership
- A homeowner wondering whether refinancing makes sense
- A real estate investor looking to grow your portfolio
- A Realtor looking for a lending partner who actually communicates

I'm here. I'm licensed in Colorado and New Mexico. I work hard for my clients and my Realtor partners, and I don't stop until we find a way forward.

If anything over these past 30 days resonated with you, let's turn that into a conversation. I'd love to hear what you're working toward.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

A denial from one lender is not the same as a denial from the mortgage market. This is one of the most important things ...
09/24/2026

A denial from one lender is not the same as a denial from the mortgage market. This is one of the most important things I want people to know.

Every lender has their own overlays -- guidelines that are stricter than what FHA, Fannie Mae, or VA actually requires. One lender might decline a buyer with a 610 credit score. Another lender using the same underlying guidelines might close that loan without hesitation.

Some of the most common reasons deals die at one lender but close at another:
- Narrow program options (no Non-QM, DSCR, or bank statement loans)
- Conservative internal overlays on credit, DTI, or reserves
- Lack of experience with self-employed borrowers
- Not knowing how to calculate rental income or business income correctly
- Simply not putting in the work to find the solution

I consider it part of my job to exhaust every reasonable option before telling a borrower no. And when I do say no, I explain exactly why and what would need to change.

If you're sitting on a denial, let's take a fresh look together.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

Not every lender can close every deal. Sometimes a file gets denied and everyone assumes the deal is dead. But in many c...
09/23/2026

Not every lender can close every deal. Sometimes a file gets denied and everyone assumes the deal is dead. But in many cases, a second opinion changes everything.

Here's what I look for when a deal comes to me as a second opinion:
- Was the denial based on one lender's guidelines or an actual disqualifying factor?
- Are there alternative loan programs (FHA, Non-QM, bank statement, DSCR) that could work?
- Were the income calculations done correctly?
- Could a different credit strategy move the needle on the score?
- Is there a co-borrower, gift fund, or down payment assistance option that wasn't explored?

I've saved deals that other lenders couldn't close. Not because I cut corners -- because I know more programs and I dig deeper before giving up on a borrower.

If you have a deal that fell through at another lender, bring it to me before you write it off. It costs nothing to take a second look, and it could save your purchase.

Let's talk.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

If you've ever had to chase a lender down for an update on a file, you know how frustrating that is. I made a commitment...
09/18/2026

If you've ever had to chase a lender down for an update on a file, you know how frustrating that is. I made a commitment early in my career that I would never be that lender.

Here's what proactive communication looks like in my business:

What you can expect when we work together:
- Regular updates on where each file stands in the process
- Immediate notification if any issue comes up that could affect the timeline
- Clear communication with buyers throughout -- so you're not fielding their questions
- On-time closings (and honest conversations early if something threatens that)
- A direct line to me -- not a call center

Real estate transactions are stressful enough. The lender's job is to reduce that stress, not add to it. I take that seriously.

If you're working with lenders who go quiet after application, I want to offer you something different. Partnership means communication, and I'm committed to that with every transaction.

Let's connect and talk about what working together actually looks like.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

One of the biggest pipeline killers in real estate: a buyer gets pre-qualified, then disappears for months while their f...
09/17/2026

One of the biggest pipeline killers in real estate: a buyer gets pre-qualified, then disappears for months while their financial situation changes -- and by the time they're ready to make an offer, their qualification is outdated or no longer valid.

Here's how I help Realtors prevent that:

My Pre-Qual Follow-Up Program keeps buyers engaged and on track:
- Regular check-ins to monitor credit, income changes, and debt
- Proactive alerts if something changes that could affect qualification
- Updated pre-approval letters as needed (rates and programs can change)
- Buyer education along the way so they stay motivated and informed
- You stay informed on your buyer's status without chasing me down

When your buyers are in good hands, they show up to the offer stage prepared and confident. That means faster decisions, fewer surprises, and more closed deals for you.

I want to be the lender who makes your job easier -- not harder. If you have buyers in the pipeline who need this kind of attention, let's talk about how I can help.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

If you're getting ready to buy a home, you've probably heard both terms: pre-qualification and pre-approval. They're not...
09/16/2026

If you're getting ready to buy a home, you've probably heard both terms: pre-qualification and pre-approval. They're not the same thing -- and the difference matters a lot in today's market.

Pre-Qualification:
- A quick estimate based on self-reported information
- No credit pull, no documentation review
- Gives you a rough idea of what you might qualify for
- Not the same as a commitment from a lender
- Not accepted by most sellers in competitive markets

Pre-Approval:
- A full review of your income, assets, credit, and employment
- Credit is pulled and reviewed
- Documentation is collected and verified
- Results in a conditional commitment from the lender
- Required in most markets to make a competitive offer

In Colorado and New Mexico, I see buyers lose homes because their offer came in with a pre-qualification letter instead of a solid pre-approval. Sellers and their agents notice the difference.

A thorough pre-approval from me means your offer stands up to scrutiny and gives listing agents confidence that your deal will close.

Ready to get properly pre-approved? Let's get started today.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

Your credit score is one of the biggest factors in your mortgage approval -- but it's not the only one, and a lower scor...
09/11/2026

Your credit score is one of the biggest factors in your mortgage approval -- but it's not the only one, and a lower score doesn't automatically mean you can't buy a home. Here's what you actually need to know.

Minimum credit scores by loan type:
- Conventional loans: typically 620 or higher
- FHA loans: 580 for 3.5% down; 500-579 with 10% down
- VA loans: no official minimum, but most lenders prefer 580-620
- USDA loans: typically 640 or higher
- Non-QM loans: varies by program

What else affects your mortgage approval:
- Debt-to-income ratio (DTI)
- Employment history and income stability
- Down payment amount
- Cash reserves
- Recent credit events

The good news: credit scores can improve. I often work with buyers who aren't quite ready today but can be ready in 60-90 days with the right strategy. I'll give you a clear roadmap.

If you're not sure where your credit stands or what it means for your home purchase, let's start with a conversation. No pressure, just clarity.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

If you or someone you love is 62 or older and owns a home, a reverse mortgage is worth understanding -- even if it turns...
09/10/2026

If you or someone you love is 62 or older and owns a home, a reverse mortgage is worth understanding -- even if it turns out not to be the right fit.

Here's what a reverse mortgage actually is:
- A loan that allows homeowners 62+ to convert home equity into cash
- No monthly mortgage payments required (borrower must maintain the home, pay taxes, and keep insurance current)
- Can be received as a lump sum, line of credit, or monthly payments
- Loan is repaid when the borrower sells, moves out, or passes away
- FHA-insured HECM (Home Equity Conversion Mortgage) is the most common type

Reverse mortgages are often misunderstood. They're not a sign of financial distress -- they're a strategic tool that can provide cash flow, eliminate an existing mortgage payment, or give older homeowners more financial flexibility in retirement.

The key is making sure the borrower fully understands the terms and obligations. I walk through every detail carefully and recommend independent counseling (required by FHA) before any decision is made.

Have questions about whether this is right for you or a family member? Let's talk.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

One of the trickiest situations in real estate: you want to buy before your current home sells. In a competitive market,...
09/09/2026

One of the trickiest situations in real estate: you want to buy before your current home sells. In a competitive market, that timing gap can cost you the deal. Bridge loans exist to solve exactly that problem.

What a bridge loan does:
- Provides short-term financing secured by the departing home's equity
- Allows you to make a non-contingent offer on the new home
- Typically repaid when the existing home sells
- Loan terms usually 6-12 months
- Can be used alongside a new purchase mortgage

The ability to remove a home sale contingency can be the difference between winning and losing in a multiple-offer situation. It gives you the confidence to act without being held hostage to the timing of your current sale.

Bridge loans have more nuanced underwriting than traditional mortgages, and not every lender offers them. I can walk you through the specifics and help determine whether you're a good candidate.

If you're a move-up buyer stuck in this situation, let's talk. There may be a solution closer than you think.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

Adjustable-rate mortgages (ARMs) have gotten a bad reputation over the years -- but the reality is that for the right bo...
09/04/2026

Adjustable-rate mortgages (ARMs) have gotten a bad reputation over the years -- but the reality is that for the right borrower, an ARM can be a smart financial strategy. Here's what you should know.

How modern ARMs work:
- Rate is fixed for an initial period (e.g., 5, 7, or 10 years)
- After that, the rate adjusts annually based on a market index plus a margin
- Caps limit how much the rate can move in any given year and over the life of the loan
- Typically offered at a lower initial rate than a comparable 30-year fixed

Who ARMs are well-suited for:
- Buyers who plan to sell or refinance within the fixed period
- Buyers who expect their income to grow significantly
- Buyers in high-cost markets trying to keep the initial payment manageable

The key is going in with a clear plan and fully understanding the terms. An ARM is a tool -- and like any tool, it works great when used correctly.

If you're curious whether an ARM might make sense for your situation, let's talk through the numbers together.

Rod Cameron | NMLS #192897 | Licensed in CO, NM | Visit my website here: https://lnkd.in/gqimCD96 | Cell: (303) 919-8199 | [email protected]

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Lakewood, CO
80228

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Tuesday 8am - 5pm
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