Rob Sturms Home Loans

Rob Sturms Home Loans

Rob has been serving Colorado borrowers with honesty and integrity since 1993.

Hi, I'm Rob Sturms, a 3rd generation Denver native and I started providing real estate loans in 1993. I spent my first 12 months in the mortgage business working for a local bank as a loan officer. I went to work for a mortgage broker for another 12 months and decided to open my own mortgage broker business. After a year on my own, I decided to form a partnership with another broker. We worked together for 11 years. I have worked for a couple of different mortgage companies since then and have found what I believe are the ESSENTIAL 3 P’S that are important in lending. People, Procedures and PRODUCTS. Colorado State Bank and Trust excels in those three areas. They have professional people, efficient procedures and innovative products. Besides the heritage of being a local bank that started in Colorado in 1908, this bank Keeps all the servicing of the loans and collects the monthly payments from their clients. This allows us to stay in contact with our clients long after the loan has been closed. This bank wants the entire relationship, not just the one time mortgage loan. I like the idea of maintaining “long term relationships” which is another reason why I believe this is such a good fit for me. Call me for personalized service!

Mission: Long live your money

Rob Sturms Home Loans

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Rob Sturms Home Loans's cover photo

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[01/28/19]   Opinion Independent mortgage banks foster competition and access to the housing market
By
• Robert Broeksmit
Published
• January 25 2019
Independent mortgage banks have existed for more than a century, but one could argue the important role they have played in helping millions of households realize the American dream of owning a home has never been more apparent than over the last decade.
In the years following the Great Recession, the housing market struggled to regain its footing. Even as the job market and economy improved, the U.S. homeownership rate bottomed out to a 50-year low, home sales and prices were slow to recover, and mortgage credit availability remained tight.
Fortunately, IMBs, both large and small, have been instrumental in helping to fill the void left by the many traditional bank lenders that have retreated from government lending programs and the overall mortgage market since the downturn.
Consider this: If not for nonbank lenders stepping up in recent years, thousands of aspiring first-time buyers, low- and moderate-income borrowers, minority households, service members, and veterans would have found themselves without access to mortgage credit — ultimately stuck on the sidelines without the opportunity to realize the personal and financial benefits of homeownership.
In 2017, IMBs accounted for more than 80% of Federal Housing Administration loans, 70% of Veterans Administration loans and 64% of Rural Housing Service loans. Additionally, more than 64% of minority homebuyers and nearly 60% of low- and moderate-income homebuyers in 2017 obtained their financing from an IMB.
Despite a focus on providing mortgages to underserved segments of the market, the majority of nonbank mortgage lenders are well capitalized for the risks they take, and most are closely held private companies whose owners have made substantial investments in technology and infrastructure. Their success is tied to sustainable and responsible lending, with strong incentives to manage their businesses for the long term.
Like all lenders, these firms are closely regulated, required to follow all of the same post-crisis consumer regulations that banks face, and subjected to examination, supervision and enforcement in every state in which they do business, including by the CFPB. Counterparties such as Ginnie Mae, Fannie Mae and Freddie Mac also enforce guidelines and provide significant additional oversight.
Buoyed by solid economic growth and the robust labor market, the outlook for the housing market looks bright in 2019. While affordability challenges and insufficient housing supply in several parts of the country — especially for first-time buyers — continue to suppress some sales, the Mortgage Bankers Association expects purchase activity to rise around 4% from 2018.
Regardless of how the year plays out, one thing will certainly be true: The millions of Americans who buy a home or refinance their mortgage will have benefited from a diverse and competitive mortgage industry, with lenders of all sizes and business models helping them reach their housing goals. IMBs will continue to be a critical piece of that puzzle.

denverinfill.com

The Coloradan Update #13

https://denverinfill.com/blog/2019/01/the-coloradan-update-13.html

denverinfill.com Urbanists, and pedestrians, rejoice! The southeast side of Wewatta Street, between 17th and 18th, is now open. The latest milestone at The Coloradan, as construction is beginning to wrap up over the next few weeks, is the removal of the fences and barriers that have been along Wewatta for many month...

imfromdenver.com

New Colorado Resort Opens Today Week And It Features A 22,000-square-foot indoor/outdoor pool – I'm from Denver

http://imfromdenver.com/new-colorado-resort-opens-today-week-and-it-features-a-22000-square-foot-indoor-outdoor-pool/?fbclid=IwAR1M_sPPmXxIdGEc8f3EreT4PgIY6IrWMBTmhI6hBFzEiSuA49j4oXHTj4g

The day is here! If you’ve been living under a rock and haven’t heard, there is a massive new hotel/convention center/destination out near Denver International Airport – and it’s opening up Tuesday morning.

The Gaylord Rockies Resort and Convention Center will open to the public on Dec. 18. The resort features 1,501 hotel rooms, 486,000 square feet of meeting and convention space, and a 47,500-square foot sports bar (complete with a 75-foot tall television).

In addition to the massive convention center space and sports bar, the main part of the Gaylord, the Grand Lodge, also has four restaurants that form a ring along the top of the lodge.

While guests will be invited inside on Tuesday, most of the corporate business planned at the site won’t begin until 2019. Despite this, vacationing families and curious locals will still be welcome beginning this week.

While the general public can visit most parts of the hotel, a 22,000-square-foot indoor/outdoor pool and lazy river area is reserved for hotel guests, according to the Business Journal.

imfromdenver.com The day is here! If you’ve been living under a rock and haven’t heard, there is a massive new hotel/convention center/destination out near Denver International Airport – and it’s opening up Tuesday morning.

businessden.com

Developer: La Loma project could break ground in June; windows key in design change - BusinessDen

https://businessden.com/2018/12/18/developer-la-loma-project-could-break-ground-in-june-windows-key-in-design-change/

The owner of the La Loma site in Jefferson Park gives a straightforward reason for why he went back to the drawing board for his proposed 15-story project there.

“I did not like the design that I had,” said Yitzchak Tessler, head of New York-based Tessler Developments.

Tessler Developments owns the block formed by 26th and 27th avenues, and Bryant and Alcott streets, where Mexican restaurant La Loma once operated. The company submitted an initial development plan to the city in 2015, and a representative told a reporter in early 2016 that the project could break ground by the end of that year. Construction, however, never began.

Behind the scenes, Tessler was switching architects. Shears Adkins Rockmore drew up the initial plans. But OZ Architecture produced the new version, which BusinessDen reported on last week.

In an interview last week at Atelier at University Park, the 273-unit apartment complex his firm just completed by the University of Denver, Tessler pointed out one design aspect of the La Loma project that changed from Plan A to Plan B.

“I’m providing something that I really personally like,” he said. “That every bedroom, living room has its own window.”

That necessitated fewer square feet and fewer units, he said.

The previous plans called for more than 700 units, all apartments, while the new version will have 642. Tessler said the unit count isn’t final, but that he expects about two-thirds will be condominiums.

The extent to which condos have been built in Denver has been closely watched, as lawmakers have tried to mitigate a dry spell attributed to concerns over litigation.

“I think the need for condos outweighs the fear,” Tessler said.

The project plans still needs city approval. Tessler said he hopes to break ground in June and that construction would take about 28 months.

businessden.com The head of New York-based Tessler Developments said about two-thirds of the project’s 600-plus residential units will be condos.

[03/05/18]   Chris Brown on being grateful for what we have...

https://www.youtube.com/watch?v=9rsCrmeMU6Y

Cybersecurity Incident & Important Consumer Information | Equifax

Equifax discovers breach of its core data bases on July 29th 2017.
As many of you are already aware, on September 7, 2017 Equifax announced the discovery of a breach of their systems that potentially could impact up to 143mm consumer records. In a recorded message on a dedicated website, Chairman / CEO Richard Smith, Equifax CEO provides a brief recorded statement addressing the breach.
In that statement Mr. Smith says, “The company has found no evidence of unauthorized activity on Equifax’s core consumer or commercial credit reporting databases.”
The website includes a transcript of his recorded announcement.
Mr. Smith noted that the attack, “gained access to the names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed.”
As part of the actions taken to mitigate the impact of the breach, Equifax is offering U.S. consumers the opportunity to a complimentary one-year sign up to “credit file monitoring and identity theft protection. The offering, called TrustedID Premier, includes 3-Bureau credit monitoring of Equifax, Experian and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity theft insurance; and Internet scanning for Social Security numbers. . . . “
In addition to a dedicated website - https://www.equifaxsecurity2017.com/, the company has established “a dedicated call center at 866-447-7559, . . . . to assist consumers.”

equifaxsecurity2017.com September 7, 2017 — Equifax Inc. (NYSE: EFX) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company’s investigation, the unauthorized a...

transunion.com

Protected Consumers | TrasnUnion

https://www.transunion.com/fraud-victim-resource/protected-consumer

transunion.com Read a brief summary of the rights designed to help you protect your child from identity theft.

Security Freeze Center at Experian

https://www.experian.com/freeze/center.html

experian.com Add or remove a security freeze to freeze access to your credit report.

freeze.equifax.com

Equifax | PersonalIDInfo

You can "Freeze" your credit. https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp

freeze.equifax.com

money.cnn.com

Giant Equifax data breach: 143 million people could be affected

http://money.cnn.com/2017/09/07/technology/business/equifax-data-breach/index.html?iid=surge-story-summary

money.cnn.com Equifax, the credit reporting behemoth, said on Thursday that it is the victim of a massive security breach.

klove.com

Student Credit Cards; Worthwhile? Out Of Reach? - K-LOVE

http://www.klove.com/news/2016/08/05/student-credit-cards-arent-for-all-students-or-even-most.aspx

klove.com As parents prepare their rising freshmen for life at college, many are leaving out a crucial piece of information: how to build credit.

James

Rob did an absolutely WONDERFUL job walking my wife and I through the process of securing our mortgage on our home in Lakewood! He is incredibly thorough and very will walk with you every step of the way when it comes to helping you to purchase a home. We were both very pleased and would recommend him to anybody!

[04/01/16]   What you need to know about tax identity theft

By Wendy Zamora | March 25, 2016

Tis the season for filing your taxes. Tis also the season for getting your identity stolen. The U.S. Federal Trade Commission (FTC) saw a nearly 50 percent increase in identity theft complaints in 2015. Of those complaints, almost half were related to tax or wage identity theft. The IRS also reported a huge uptick in tax-related ID theft in 2015—about 2.5 times the number in 2014. All this is to say: hang tough. Identity theft is a problem that's not going away.

As is the case with all cybersecurity, the best way to protect yourself from threats of the stolen identity variety is to make yourself aware. By knowing the basic who, what, when, where, why, and how, you'll be far less likely to fall victim to identity theft. So let's start from the top.

What is identity theft?

You've heard the term "identity theft" about a thousand times, but do you really know what getting your identity stolen entails? Hint: it's less like Face/Off and more like Catch Me If You Can. Identity theft is when criminals steal your personal information, such as your full name or Social Security Number (SSN), to commit fraud, including applying for credit, getting medical services, or filing taxes. There are several different types of identity theft, ranging from stealing your health insurance information to creating phony social media accounts using photos and other personal info. But the most common form of identity theft today is tax ID theft.

More about tax ID theft

"In a list of known tax scams, the IRS consistently reveals identity theft as the top method of fraudsters," said Jovi Umawing, Malware Intelligence Analyst at Malwarebytes. Tax ID theft happens when criminals use your personal information to file for a tax refund with the IRS. Victims usually learn of the crime after having their returns rejected because their imposters beat them to it. Not filing a return this year? No problem! Just kidding, you can still get scammed even if you're not required to file. In addition, you're still vulnerable even if you're not actually due a refund.

And what happens if your tax ID is stolen? Besides saying goodbye to your refund (at least until the identity theft is sorted out), the major cost is to your credit and your time. According to the Identity Theft Resource Center, it takes 600 hours to restore your identity after a theft has taken place. The FTC's new online resource aims to streamline the process of reporting identity theft to the FTC, IRS, credit bureaus, and to state and local officials. But it's still a serious pain in the you-know-what. That means your best bet is, you guessed it, prevention.
Here are a few tips to protect you from tax ID theft.

File as early as possible
•Beat criminals at their own game and file your returns ASAP. Filing season typically begins around the second or third week of January and ends on April 15. If you haven't already, go do your taxes!

Monitor credit reports
•By law, you are entitled to a free copy of your credit report from the three major bureaus: Equifax, Experian, and Trans Union. In addition, there's a fourth bureau called Innovis that you should check in on. Review your reports annually and look for any suspicious activity.

If filing electronically…
•Research online tax service providers to see how secure their systems are. Sites should have password standards, a lock-out feature that blocks users after too many unsuccessful login attempts, security questions, and email and/or text verification.
•Never file over public wifi or a network that's not password protected.

Password protections
•When it comes to passwords, the longer the better. A random assortment of letters and numbers is helpful, but if that random assortment is short, there's a better chance that hackers can figure it out. Try disguising familiar phrases using L33t speak or the Vigènere cipher.
•Don't use the same password on all accounts and change them up frequently. The more variation, the better.
•Never store passwords on your computer. If you need to do it digitally, use an external hard drive or USB and disconnect it from the computer when you are finished.

Watch out for phishing emails
•Most identity theft happens through social engineering, and that especially includes email. Throw up an immediate red flag if you receive any email asking to confirm passwords, bank account numbers, or Social Security Numbers. In a statement on their website, the IRS says that it "does not initiate contact with taxpayers by email to request personal or financial information. This includes any type of electronic communication, such as text messages and social media channels."
•If you do receive a suspicious-sounding email, contact your service provider directly to verify its authenticity. If your bank is requesting updated information, log onto your online banking account and update it there (instead of clicking on the link in the email). If your account does not show need for an update, you'll know the email was a scam.

Take physical precautions
•Do not carry your Social Security card with you or write it down on checks. Only give out your SSN if it is an absolute necessity. "When filling in forms for organizations, hospitals, clinics, and other companies, leave the area asking for your SSN blank," said Umawing. "Some recruiters ask for it, too, and you should try to ensure there's a secure method for sending them important documentation when it's otherwise unavoidable."
•Shred bills, credit offers, and expired credit cards to prevent dumpster divers from getting your personal info.

Layer your cybersecurity
•Personal information can be stolen by malware such as spyware without your knowledge. The best way to protect against these invisible threats is to tighten up your cybersecurity. Layer defenses with a firewall, antivirus, and anti-malware that includes anti-spyware.

Take these precautions and you can breathe easier through this tax season and the next. That is, until your accountant sends you the bill.

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