Team!   I made it back east!  Reality is, for some reason im doing more loans in CO than when i lived there!  Maybe not having to look at me is helping with the marketing!  I wanted to stay on the teams radar.  Im still keeping my CO license and actually have more time for the details with doing it full time.   Rates are still decent.  I also have access to a gifted down payment program to help people with the down payment depending on what type of income they make.   As always, a quin referral helps the team with a donation from Land Home Financial.  Pretty much a win win.  Let me know if i can help in anyway.  Any friends and family you send my way would also get the same contribution to the Quins.   Go Quins! Goose   Mike Scheffler  720-255-5555https://mortgage.lhfs.com/mikescheffler