Nick Bebout

NMLS# 1175596

303-458-3778

nick@almortgageinc.com
Nick Bebout Branch Manager
Home Warranty vs. Home Insurance: What's the Difference?

Home Warranty vs. Home Insurance: What's the Difference?

Now that you're a homeowner, you need to be prepared for home maintenance and life's unexpected events. Let's say that your water heater stops working and you wonder, "Do I call my insurance company or my home warranty provider?" as steam pours out of the

Jan 08, 2026 | Purchasing a Home

FHA Compensating Factors: Strengthening Your Loan Application

FHA Compensating Factors: Strengthening Your Loan Application

FHA loans provide accessible homeownership opportunities through lower down payment requirements and flexible credit standards. However, some applicants fall just short of standard qualification criteria. FHA compensating factors offer a solution by allow

Dec 30, 2025 | Purchasing a Home

Starter Home vs. Forever Home: Making the Right Choice

Starter Home vs. Forever Home: Making the Right Choice

Choosing between a starter home and a forever home represents one of the most significant financial decisions you'll make. Each option offers distinct advantages and challenges that affect your immediate budget, long-term wealth building, and lifestyle fl

Dec 09, 2025 | Purchasing a Home

Inheriting Property with Siblings

Inheriting Property with Siblings

Inheriting a home with siblings creates both emotional and financial challenges. The property represents family memories while simultaneously requiring practical decisions about ownership, expenses, and future use. Understanding your options and approachi

Dec 04, 2025 | Purchasing a Home

Buying a Property with Existing Tenants

Buying a Property with Existing Tenants

It's thrilling to purchase a home, and it becomes even more fascinating when renters are included in the agreement! Buying a home that is already occupied by tenants can result in immediate rental revenue, but it also entails acquiring established tenant

Dec 02, 2025 | Purchasing a Home

Understanding Mortgage Liens and Property Encumbrances

Understanding Mortgage Liens and Property Encumbrances

Property ownership involves more than just holding a deed. Liens and encumbrances represent legal claims or restrictions affecting your property rights. Understanding these concepts protects your investment and prevents complications when selling, refinan

Nov 20, 2025 | Purchasing a Home