Well here we are, 2010 a fresh new year our chance to end the old and start the newAndrew Hahn your real estate finance specialist here dusted off and ready to get rolling in the New Year. Refinancing in Denver, Refinancing in Colorado and refinancing for all of us, refinancing is going to be a bit different for not just us in Colorado but for all across our nation. Due to all the changes made to our industry over the past couple of years and a major changes that have taken place at the start of this new year; the new GOOD FAITH ESTIMATE,(the biggest) mortgage lending is different. I feel some changes are good and some in the long run are going to hurt you the borrower. As it is they are here to stay, what you as borrowers need to know is that is going to take more time and that more  importantly time lines that can require re-disclosures, and with those re-disclosures can come new time lines that can delay closings; especially in the case of Purchase contracts can effect the dates within your contract. It is important that the mortgage process be explained and where and what the issues are that can change the dates of your contract. Whenever there is a change of terms in your contract, such as price due to variations caused from an appraisal or inspection can create the need to re-disclose the good faith, on the re-issuance of the good faith you need to wait a minimum of 3 days when ever the good faith is reissued. This is just one example of a change that can effect you. If you are Considering financing in the state of Colorado I would like to be your Mortgage professional to help guide you through the new mortgage process. If you are located in Denver or the Front Range give me a call 303-331-8040 so we can set up an appointment I would be glad to meet with you. You can always leave me a comment and let me know the best way and time to back with you. ( I well not publicize your comment if you are communicating with me direct). Or you can visit my business website Capitaladvantagemortgage.com and to get to know me on a personal basis visit my personal website Andrew-Hahn.com. If you would like me to answer any of your questions please send me a comment and let me know how i can help you or answer a question that you might think would help all. I’m Andrew Hahn your mortgage professional located in Commerce City Colorado; a licensed mortgage broker in the state of Colorado doing business in the entire state of Colorado. Contact me for your Refinancing needs or your Real Estate Purchase. Have a wonderful New Year from Andrew Hahn