OUR MISSION
Our Mission is to guide you with honesty, protect your investment, and ensure you walk away with
confidence and more money in your pocket
WHO WE ARE
Meet the Team:
Jeannette Shepherd – Realtor (JSRealtyPro), Century 21 – Signature Realty
Mike Campbell & Alfredo Esparza – Luminate Bank
Together, we bring over 20 years of combined experience in the real estate and lending industry. From our first conversation to the final signature, we’ve partnered to create a seamless homebuying experience—blending Century 21’s exclusive business programs with Luminate Bank with innovative lending solutions.
Our full-service partnership means you’ll have a trusted team by your side, offering expert guidance, proven negotiation strategies, and powerful tools to streamline the process. With financing options, smart resources, and insider insights, we’ll help you secure the home of your dreams—smoothly, strategically, and with confidence.
FOLLOW YOUR PATH
First Time Home Buyer
DID YOU KNOW?
IT"S A BUYER'S MARKET ...
More Inventory Less competition :
1. Did you know you may qualify for down payment assistance even if you make a solid income?
2. Did you know you can lock in an interest rate for up to 90 days while you shop?
3. Did you know you can use gift funds from family for your down payment?
Selling Your Property
DID YOU KNOW?
When you work with a REALTOR®
you increase your profit margin over selling on your own
1. Did you know staging your home can help it sell for up to 10% more?
2. Did you know most buyers decide within 8 seconds if they like a home?
3. Did you know pricing too high at first can cause you to net less money in the end?
Handling an Estate Sale
Estate Sales
Contact a trusted lender if the Realestate still have a loan owing
1. Did you know selling certain personal items before the home sale can actually increase your property’s value?
2. Did you know an estate sale doesn’t have to mean a public auction — you can control who buys what?
3. Did you know reverse mortgages and tax rules can affect how much equity you keep from an estate property sale?
Facing Foreclosure
Dealing With a Divorce
Foreclosure
You Have Options- Believe IT !!1. Did you know you may be able to stop foreclosure by refinancing or modifying your loan?2. Did you know selling before foreclosure could protect your credit for years?3. Did you know some programs will pay you to move out if you can’t keep the home?
Mortgage Calculator
Dealing With a Divorce
Dealing With a Divorce
Did you Know you can figure out roughly for a loan ?
1. Did you know a credit score as low as 600 is all you need.
2. Did you know your Debt to income ratio is 40%. Take your total monthly debts that revolving payments and divide by this your by your monthly income equals your DTI percentage.
3. Did you know The amount of money you have left over lets the bank know how much monthly mortgage payment you can make.
Dealing With a Divorce
Dealing With a Divorce
Dealing With a Divorce
Divorce
1. Did you know you can sell your home before finalizing divorce to avoid future disputes?
2. Did you know one spouse can sometimes refinance and remove the other from the mortgage without selling?
3. Did you know how you divide home proceeds can affect both of your taxes?
Ready To See What Is Out There?
All About The Home Journey
Our expert real estate agent is here to help you navigate the complex world of your home journey.The effort is real to ensure that you find your perfect home that meets all of your needs. Explore what's on the market all over Colorado with ease .
Ready Set See ....... Click the photo