Michelle Paxton-Sr. Loan Advisor Partners Mortgage

06/03/2026

06/02/2026

Amongst my contacts I have a customer seeking to buy a business, start a business in the state of Colorado l.
He needs a lender to further assist and guide, this is something you can help out with please email me at [email protected]

06/02/2026

Thinking about refinancing? There are common reasons it may not work yet — including high loan-to-value, insufficient income, lack of reserves, or waiting periods. The good news? Many challenges are temporary. Let’s review your options.

06/01/2026

👩‍🌾🇺🇸 Every generation seems to have its own perspective on work, responsibility, and opportunity. Many older Americans remember starting jobs at a young age—delivering newspapers, working on farms, helping family businesses, or taking part-time jobs while still in school. For them, those experiences helped build independence, discipline, and a strong work ethic. 💪🚜

Some people believe younger generations face different challenges today, but still feel that healthy adults should be encouraged to work whenever possible. They argue that employment provides valuable life skills, financial independence, and a sense of purpose that benefits both individuals and society. 💼✨

Others point out that the world has changed significantly, with higher education costs, housing expenses, mental health challenges, economic uncertainty, and a job market that looks very different from decades past. They believe it's important to understand the unique pressures facing younger generations before making broad comparisons. ⚖️📚

At its heart, this conversation is about expectations, opportunity, personal responsibility, and how different generations view the value of work. While opinions vary, most people agree that meaningful work can play an important role in building confidence, character, and a brighter future. 🇺🇸❤️

🙌 What do you think? Are younger generations facing tougher challenges than previous generations, or has the value of hard work remained the same regardless of the era? 💬🇺🇸👩‍🌾

05/28/2026

Fixed-rate or adjustable-rate mortgage? 🤔 A fixed rate offers predictable payments and long-term stability. An ARM may offer a lower initial rate with future adjustments. The right choice depends on your timeline and goals.

05/27/2026

Finance Eligible Closing Costs Into the Loan When the Appraisal Supports It

✅ How It Works

USDA loans allow borrowers to finance closing costs into the mortgage when the property appraises for more than the purchase price.

Example:
🏠 Purchase Price: $200,000
📈 Appraised Value: $205,000
💰 Available for Closing Costs: $5,000

The USDA Upfront Guarantee Fee can also be financed above the base loan amount.

✅ Eligible Costs That May Be Financed

• Loan Origination Fees
• Processing Fees
• Appraisal Fees
• Credit Report Fees
• Title Insurance
• Escrow & Closing Fees
• Discount Points

⚠️ Important Reminder

Prepaid items such as Homeowners Insurance and Property Taxes generally cannot be rolled into the loan amount.

05/27/2026

Easiest loan out there, 100% financing just make sure the property is zoned USDA or AG with a home on it.
More importantly make sure to meet USDA guidelines. Go to USDA.ca.gov to check for eligibility!

05/26/2026

Love country living? You might qualify for a USDA loan with zero down in eligible rural areas. It’s not just farmland, many suburban areas qualify too! Let’s check your address.

05/21/2026

Down payment assistance programs can open doors. 💰 From closing cost help to subsidized rates and forgivable loans, there may be options available — especially for first-time buyers. Let’s see what you qualify for.