What Goes into Calculating Credit Scores

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Offered by Jan Giuliano, – Universal Lending, The Giuliano Team Your credit score shows the likelihood to repay credit that is extended to you. Scores range from 350-850. When you pull credit, you get a score that shows your handling of credit at that moment in time, but it can change with new actions and… Read more »

Summer in Colorado

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Offered by Jan Giuliano, – Universal Lending, The Giuliano Team Back to school is upon us! Most schools will resume fall classes by the end of the month. But meanwhile we have a lot of summer left to celebrate. Vacations broaden our horizons whether we go to Disneyland, camping, or traveling to other states and… Read more »

We Changed Companies!

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Offered by Jan Giuliano, – Universal Lending, The Giuliano Team We are Universal Lending Home Loans! After 9 great years with Academy Mortgage, we left and joined up with Universal Lending. Why you might ask? Well, Academy kept growing and growing and so in the end it became too large for us. Universal is a… Read more »

Tips for a Better Credit Score

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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team Mortgage Lenders are not experts on credit but here are some tips that can help anyone committed to good financial health: Pay all your bills on time. One 30 day late payment can have significant negative impact on your scores. Don’t co-sign loans. Their late… Read more »

Happy Holidays Everyone!

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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team So what’s your tradition? Do have one? Two? A few? If you don’t have any it’s a great time to start one. My granddaughter refers to my younger years as the “old days.” Back then some of my family would still be at the house… Read more »

Applying for a Home Loan during the Holidays!

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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team When Halloween is over: November officially starts the holiday season. What a better gift for the holidays than a new home? Here are some things to keep in mind as you embark on this process during the holiday season: Be mindful of Your Holiday Spending:… Read more »

September (The ninth month of the year)

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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team Kids are back in school, Labor Day will be here just about the time you receive the Buzz. Summer will come to an end as the look and feel of fall is fast approaching. Daylight Savings isn’t until November, but September is a good time… Read more »

It’s August Already?

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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team August signals the beginning of back-to-school, the closing in on the end of summer vacation, and school sports like football. In the mortgage industry, we continue helping people move into their dream home or in some cases, help with refinancing to lower a payment or… Read more »

Following a Budget Will Help You Save!

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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team In this world of hi-tech gadgets and systems that can help you get just about anything and everything your heart desires, the one thing that technology hasn’t done is help you save money. There are easy ways to spend it. There are systems to keep… Read more »

New Brighton Office Coming in May

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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team So April showers bring May flowers. We see everything blooming and reminding us how wonderful Colorado is in the spring time. Since it’s spring and everything seems new, Academy Mortgage is proud to say our new office in Brighton is about to open (May 15th)…. Read more »