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SEPTEMBER 2026

COLORADO SMARTPARTNERS

News From the Experts

Resources for Real Estate Professionals

Benefits of SmartPartners SmartPartners are integral to providing you with an exceptional real estate experience. Choosing HomeSmart connects you with a network of trusted SmartPartners, all working together to deliver the very best in real estate services.

Why They Are So Valuable: Vetted for Excellence

Aligned Goals and Values

Every SmartPartner has undergone a rigorous review by HomeSmart, guaranteeing they meet our high standards for quality and reliability.

We regularly collaborate with the leadership of our SmartPartners to ensure a shared commitment to your success and a seamless transaction.

Enhanced Experience

Established Trust

SmartPartners are crucial assets, working alongside us to provide toptier services throughout your real estate purchase or sale, and even beyond.

Many of our SmartPartners have cultivated relationships with HomeSmart agents and clients for years, even decades, demonstrating their consistent reliability and dedication.

Why work with

Who We Are loanDepot is a purpose driven nonbank lender, licensed in all 50 states and operating direct and retail business channels from multiple operational centers and 200+ local spots. Our goal is to help you realize your homeownership dreams.

203k Renovation Lender 1

What We Do

First-Time Home Buyers 2

Lender to Hispanic Community 3

• Fixed and Adjustable Rate

• Government (FHA, VA, USDA)

• Conventional

• Foreign National

• Jumbo

• State Bond Programs

• Zero-percent down payment options

• Renovation

• Home Equity Line of Credit

• 900+ down payment assistance programs

• Reverse Mortgage

• Personal Loans

• Conforming and Non-Conforming

• Condo/Co-Ops

• Long-term Locks on New Construction

1. Source: https://apps.hud.gov/pub/chums/f17fvc/F17FVCY-20231001.txt 2. Buy Side from WSJ - 2023 Source: https://apps.hud.gov/pub/chums/f17fvc/F17FVCY-20231001.txt 3. For funded loans according to 2022 Home Mortgage Disclosure Act (HMDA) data. This information is not intended to be an indication of loan qualiﬁcation, loan approval or commitment to lend. Loans are subject to credit and property approval. Not all products available in all areas. Other limitations apply. Rates, terms and availability of programs are subject to change .without notice. (022024 130689-1599b)

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loanDepot.com, LLC, 6561 *rvine Center Drive, *rvine, CA 92618. All rights reserved. NMLS 174457 (www.nmlsconsumeraccess.org) A;: Mortgage BanLer 0911092. CA: Department of Financial 1rotection and *nnovation under the California Residential Mortgage Lending Act CRMLA 4131040. CO: Regulated by the Division of Real &state. D&: Licensed as a Mortgage Lender by the Office of the State BanL Commissioner, No. 011162. ,S: ,ansas Licensed Mortgage Company No. SL.0026291 MA: Mortgage Lender and BroLer License MC174457. MN: Residential Mortgage Originator License MN-MO-40203037. This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47.206 (3) and (4). MS: Licensed by the Mississippi Department of BanLing and Consumer Finance. NH: Licensed by the New Hampshire BanLing Department. NJ: Licensed Mortgage BanLer o NJ Department of BanLing and *nsurance. NY: Licensed Mortgage BanLer - NYS Department of Financial Services No. 109061. OH: Residential Mortgage Lending Certificate of Registration No. RM.804269.000. OR: Oregon Mortgage Lender License ML-4972. 1A: Licensed Mortgage Lender No 31342 by the Department of BanLing and Securities. R*: Rhode *sland Licensed Lender, Licensed Loan BroLer and Third 1arty Loan Servicer. WA: Washington Consumer Loan Company License No. CL-174457. Also licensed in: AL, A,, AR, CT, DC, FL, (A, H*, *A, *D, *L, *N, ,Y, LA, MD, M&, M*, MO, MT, NC, ND, N&, NM, NV, O,, SC, SD, TN, T9, 6T, VA, VT, W*, WV and WY.

QUARTERLY MAGAZINE

SUMMER 2024

Get Started Today at

MinuteMortgage.com Info@MinuteMtg.com 800.725.8205 23

It’s old-school basics.

Fidelity National Home Warranty has been helping protect your client’s biggest investment for over 40 years. It’s all we do, and it’s what we do best.

We offer agents:

Say what you will about us. We’re totally obsessed with keeping up our grades.

• Dedicated, local sales executives • 5 great plans to choose from • 1 or 2 years of home warranty coverage • Re-key is included with all our plans • Unsurpassed customer service

Meet your local home warranty expert. Valuable team members like Karen have been helping Fidelity National Home Warranty provide innovative, comprehensive, and affordable coverage for more than 40 years.

Call Karen today!

Think of Karen as your partner in success. Let her show you how adding a home warranty to all your transactions can help agents like you grow their business. She’s here for YOU!

KAREN HYMAN

Senior Sales Executive 720-456-0347 karen.hyman@fnf.com

We salute those who serve. Your military clients get 20% off* AHS. To thank military members, we’re introducing a new offer: Military veterans and active-duty service members who are buying a home can save 20%* on the first year of an American Home Shield® home warranty. It’s an honor to protect our nation’s heroes’ major home systems and appliances.

Select the “Military Discount” option on pro.ahs.com when ordering a warranty. Offer available to all U.S. military veterans, including those honorably discharged from the Army, Navy, Marine Corps, Air Force, or Coast Guard, and active-duty personnel, reservists, and National Guard members. Seller Coverage is not included in this offer. Not available for Realtor Owned Products. Available to new American Home Shield members only. Upon renewal, the discount will become $5 off/month. Offer cannot be retroactively applied or combined with another offer. Discount only available for single-family homes under 5,000 sq. ft. (includes condos and townhomes). Coverage not available in all areas. Visit ahs.com/contracts for coverage details, including service fees, limitations and exclusions. Coverage limits and charges for non-covered items may apply. Coverage not available in all areas. New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.

131901

Beat the Heat with Home Warranty Coverage When temperatures rise, don’t sweat it. Our home warranties offer a smart, budget-friendly way to help your clients’ homes run smoothly no matter what the weather brings. HVAC systems work hard to keep homes comfortable year-round. When they unexpectedly break, HVAC home warranty coverage can help homeowners stay cool by protecting their budgets from costly repairs and replacements.

Kyle Arenson

Donna Winship

REGIONAL MANAGER Northern Colorado 970-404-5099 karenson@firstam.com

AREA MANAGER Denver and Southern Colorado 720-437-1033 dwinship@firstam.com

firstamrealestate.com Phone Orders:

800-444-9030 First American Home Warranty Corporation makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, firstam.com, and First American Home Warranty Corporation are registered trademarks of First American Financial Corporation and/or its affiliates. First American Home Warranty Corporation also operates as First American Home Warranty Corporation of Florida in the state of Florida. ©2026 First American Home Warranty Corporation. All rights reserved. FA_AD_HMSMRTCO_8_26

your home is a big investment protect it Jim McInnes

Shaun Coleman The McInnes Agency 303-471-2999 9090 Ridgeline Blvd Ste 240 Highlands Ranch allstate.com/jim.mcinnes

We live and work right here in our community, and we're on hand to help you get the protection you deserve. If you’re ready to talk home insurance or need some advice about protecting all that’s important to you, call us today. Scan the QR code Call us at 303-471-2999 or email shauncoleman@allstate.com

Coverage Your Clients Deserve Help your clients protect their budget and plan for the unexpected with a 2-10 home warranty.

Easily Enroll: pro.2-10.com

Erin Cluiss

Market Manager

303.229.9071 ecluiss@2-10.com go.2-10.com/Erin_Cluiss_About

Exceptional service

Deep expertise

Homeownership doesn’t have to wait. For over 60 years, Guild Mortgage has built our business by following a simple rule - doing what’s right for our customers. We’re committed to providing an outstanding home financing experience for our customers and partners.

Your trust means everything to us. Ranked #2 Nationwide in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study. For more information about the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study servicer-satisfaction-study SM

, visit: jdpower.com/business/mortgage-

Local support

Long-term relationships

Your buyers can achieve the Promise of Home. Contact us for a personalized plan that will get them on the path to homeownership. David Hosterman

Branch Manager NMLS #220562 7600 E Orchard Rd. | Suite 300n Greenwood Village, CO 80111 M: 720.260.9814 dhosterman@guildmortgage.net

A partner you can count on.

Reach out today

Visit us at try.guildmortgage.com/homesmart-lo-davidhosterman Guild Mortgage Company; NMLS #3274; Equal Housing Opportunity; www.nmlsconsumeraccess.org. David Hosterman is authorized to do business in the state of Colorado. For more licensing information, please visit www.guildmortgage.com/licensing. All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. For use by Real Estate Professionals only. Not intended for public use or distribution. Guild Mortgage is not affiliated with Zillow or J.D Power. #1 Most 5-star revies on Zillow as of January 1, 2026.

A special thank you to all of our Colorado SmartPartners