Mortgage Solutions Financial-Shanan Ridens

🏡 Buying a home doesn’t have to be complicated.
If you’ve been wondering where to start, this quick guide breaks the process down into simple steps.

Swipe through to see the step-by-step journey to homeownership 👉

✔️ Get pre-approved so you know your buying power
✔️ Find the home that fits your needs and lifestyle
✔️ Make a strong offer with the right strategy
✔️ Close on your home and get the keys 🔑

Whether you’re a first-time buyer or planning your next move, having the right lender guiding you makes the process smoother from start to finish.

📩 Send me a message or comment “HOME” and I’ll help you get started with a pre-approval and answer any questions you have.

Shanan Ridens
Mortgage Solutions
📱 970-799-7749
NMLS #1480220

🏡Buying a home starts with your credit, and the good news is there are simple things you can do right now to improve your chances of qualifying for a mortgage.

💡Here are a few key things lenders look at when reviewing your credit:

✔ Payment history – The biggest factor in your score. Making every payment on time is extremely important.
✔ Credit utilization – Try to keep credit card balances below 30% of the limit, and ideally under 10% for the best scores.
✔ Length of credit history – Older accounts help your score, so avoid closing long-standing accounts.
✔ New credit inquiries – Opening new credit accounts before buying a home can lower your score and affect qualification.

Many buyers are surprised to learn that you don’t need perfect credit to buy a home. There are loan programs that allow for lower credit scores, and sometimes just a few small changes can significantly improve your approval options.

If you’re thinking about buying a home in the Farmington or Four Corners area, I’m happy to take a look at your situation and help you create a plan to get mortgage-ready.

Sometimes it only takes a few quick adjustments to get you closer to homeownership.

📞 Call or text anytime to get started.

Shanan Ridens
Mortgage Solutions
970-799-7749
NMLS #1480220

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Most people think clutter means they need more storage.

More shelves.
More boxes.
More organizers.

But the truth is a little different.

Clutter usually isn’t about space.

It’s about small decisions we keep postponing.

Put it away later.
Move it tomorrow.
Find a place for it someday.

One item doesn’t feel like much.

But when hundreds of tiny unfinished decisions sit around the house, the space starts to feel heavy… and surprisingly exhausting.

A calm home isn’t created by perfect organization.

It’s created when there are simply fewer things asking for your attention.

Save this if you're slowly building a calmer home. 🏡

Homeowners: Have you checked your equity lately? 🏡

Refinancing could allow you to:
• Lower your monthly payment
• Access cash for home improvements
• Consolidate debt
• Remove mortgage insurance

Even if rates aren’t what they were a few years ago, refinancing can still make sense depending on your goals.

If you’d like a quick refinance review, I’m happy to help.

📞 970-799-7749
Shanan Ridens
Mortgage Solutions
NMLS #1480220

🌼Spring Cleaning Season is HERE! ✨

Feeling like your house has a little too much stuff lately? 🏡📦 Spring is the perfect time to open the windows, let the fresh air in, and declutter your space (and your mind)! 🌞🌿

Try tackling a few of these this week:
🧺 Clothes you haven’t worn in a year
📚 Books you’ll never read again
📬 Old mail & paper piles
🧴 Expired pantry items & toiletries
🔌 Broken gadgets & mystery chargers
👟 Shoes you don’t wear anymore
🧸 Kids’ toys that have been outgrown
🗄️ That one junk drawer we all have

Pro tip: If you haven’t used it in a year… it might be time to let it go! ♻️

Decluttering makes your home feel bigger, lighter, and more peaceful. And who knows… you might even find things you forgot you had! 😄

💬 Tell me in the comments…
What’s the hardest thing for you to declutter?


🏡

🐶🐱

🐾 Puppy & Kitten Season is Here — Local Shelters Need Your Help! 🐾

This time of year, shelters across our community see a huge increase in litters of puppies and kittens coming through their doors. While they’re adorable, caring for so many babies at once can quickly overwhelm shelters.

That’s where foster homes make a lifesaving difference.

Fostering helps by:
🐶 Giving puppies and kittens a safe place to grow
🐱 Helping shy or stressed animals relax in a home environment
🍼 Providing bottle babies the constant care they need
🏥 Giving sick or injured pets a quiet place to recover
🏠 Opening kennel space so shelters can help even more animals in need

Even a few weeks in a foster home can change a pet’s life.

💜 If you’ve ever thought about fostering, now is the perfect time.

Reach out toourlocal animal shelters and rescue groups to learn how you can become a foster and help save lives right here in our community.

Spring break fun for the kiddos! 👇🏼

It’s Spring Break Week, and we have a full lineup of fun activities planned! Join us for games, crafts, presentations, and more throughout the week.

There is no charge to attend, with the exception of the swimming field trip. All participants must have a child profile sheet completed in case of emergency.

Please send kiddos with a lunch, snacks, and a refillable water bottle each day.

We are open Monday–Friday from 8:00 AM to 8:00 PM. Daily activities will begin at 10:00 AM and end at 4:00 PM.

Come spend your Spring Break with us—we can’t wait to see everyone! ☀️🎨🎲💧

🏡 Could you qualify to buy this home?

Many people scrolling past homes like this don’t realize they may already qualify. You might be closer than you think.

Before scheduling a showing, the first step is finding out:

✔ What price range you qualify for
✔ What your monthly payment might look like
✔ How much money you actually need to buy

Most buyers are surprised how simple the first step is.

💬 Comment “INFO” or send me a message and I’ll help you find out if a home like this could be yours.

—or—

📞 Call me directly to get started today.

Shanan Ridens
Mortgage Solutions
📱 970-799-7749
NMLS #1480220

Listed by Sergio Quintana– contact him for showings.

112 San De Cristo, Bloomfield, NM, 87413 Stunning brand new Spanish Modern construction located in...

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🌾 Did you know you may be able to buy a home with ZERO down?

USDA loans are one of the best kept secrets in home financing—especially here in many areas of New Mexico!

Here are a few highlights:
🏡 0% down payment required
🌄 Available in many rural and suburban areas
💰 Designed for low to moderate income households
📊 Flexible credit guidelines (many buyers qualify with scores around 620+)
📉 Often lower monthly mortgage insurance than other loan types

Many buyers are surprised to learn that areas just outside of town often qualify, meaning homeownership could be closer than you think!

If you’ve been thinking about buying but thought you needed a large down payment, let’s talk. You might already qualify.

📞 Call or text me anytime to see if a USDA loan could work for you!

Shanan Ridens
Mortgage Solutions
📱 970-799-7749
NMLS #1480220