Colin Tandy Home Loans

Colin Tandy Home Loans NMLS 1519991 | Traverse Home Loans NMLS 2560345 | Equal Housing Opportunity

Spring Into Savings Is Here!From now through May 30, 2025, if your purchase loan closes with Traverse Home Loans, we’ll ...
04/13/2025

Spring Into Savings Is Here!
From now through May 30, 2025, if your purchase loan closes with Traverse Home Loans, we’ll cover the appraisal and credit report fee—saving you hundreds!

This applies to:
• Conventional Loans
• FHA Loans
• VA Loans
• USDA Loans

Whether you’re a first-time buyer or just making a move this spring, we’re here to help you save.

Not in the market to buy right now? Share this with any family or friends who are—we’d love to help them too!

Apply today to take advantage of this limited-time offer!

www.traversehomeloans.com

⸻

Traverse Home Loans is licensed for traditional financing in FL, TX, and UT.
Terms & Conditions: The Spring Into Savings promotion is valid on first-lien Conventional, FHA, USDA, and VA purchase loans originated and closed with Traverse Home Loans between 04/01/2025 and 05/30/2025. Appraisal and credit report fees will be paid by Traverse Home Loans upon successful closing. Other lender and third-party fees may apply. Loans must be secured by a first mortgage or deed of trust. Subject to underwriting and collateral approval. This offer is non-transferable, not combinable with other promotions, and void where prohibited. Not all applicants will qualify. This is not a commitment to lend.
Equal Housing Opportunity. NMLS #2560345 & 1519991

🏡💰 The Hidden Tax Benefit of Owning a Home 💰🏡Most people assume tax advantages only come from rental properties, where y...
03/23/2025

🏡💰 The Hidden Tax Benefit of Owning a Home 💰🏡

Most people assume tax advantages only come from rental properties, where you can deduct expenses and lower taxable income.

But your primary residence has one of the biggest tax breaks available!

✨ Capital Gains Exclusion ✨

Here’s how it works:

✅ If you sell your primary home, you can keep up to $250K (single) or $500K (married) in profit—TAX-FREE!

✅ Unlike stocks 📈 or investment properties 🏘️, you don’t owe capital gains tax on that appreciation.

✅ You must have lived in the home for at least 2 of the last 5 years to qualify.

🔎 This is one of the best tax shelters available to homeowners, and many don’t even realize it!

🏡 What’s one thing you wish you knew before buying or selling a home? Let’s share knowledge in the comments! 👇

NMLS 1519991
Equal Housing Opportunity

03/21/2025

Every client I’ve worked with in the last 6 months has had the same question:

“Should I buy now or wait?”

Truth is, there’s no one-size-fits-all answer.

Here’s how I help my clients make the right decision for their situation:

✅ Run the numbers, not the headlines – Focus on your personal budget, monthly payment, and long-term financial goals instead of waiting for the “perfect” market conditions.

✅ Factor in rent vs. ownership costs – Rents continue to rise, while buying locks in a fixed payment. Even if rates change, refinancing later is an option.

✅ Consider your timeline – If you plan to stay in a home for 3-5+ years, buying now could build equity sooner rather than later.

If you’re wondering the same thing, let’s talk!

NMLS 1519991
Equal Housing Opportunity

03/14/2025

Real estate investing isn’t just about rent vs. mortgage.

To make smart investment decisions, you need to see the full picture.

I built a rental property pro forma calculator that helps investors analyze:

✔ Cap Rate
✔ Cash-on-Cash ROI
✔ Property Management Costs
✔ Rehab Expenses
✔ Capital Expenditures

Want to see how your deal stacks up?

Click the link below to submit your scenario and get a breakdown of the numbers.

NMLS 1519991
Equal Housing Opportunity

Who you hire matters!Back in November 2024, I had a call with a long-time client who wanted to explore moving to Florida...
02/12/2025

Who you hire matters!

Back in November 2024, I had a call with a long-time client who wanted to explore moving to Florida.
We talked strategy, loan options, and what it would take to make it happen.

Fast forward to today—he just got a high-paying, salaried job offer in the area he wants to move to.

But there’s one challenge: high credit card debt that’s keeping his credit score from being where we’d like it to be.

Here’s the plan we put together:

✅ Once his current home sells, he’ll use part of the proceeds to pay off credit card debt, improving his credit score and increasing his buying power.

✅ We reviewed FHA vs. Conventional loan options to determine the best fit.

-Conventional requires 5% down, while FHA allows for 3.5% down.

-FHA offers lower monthly mortgage insurance—a $266/month difference.

-FHA rates were over 1% lower for his credit profile, resulting in a $647 lower monthly payment.

✅ He’ll be purchasing a duplex as his primary residence, allowing him to use 75% of projected rental income to offset his mortgage payment.

This is why having the right strategy—and the right mortgage broker—matters.

If you’re a buyer thinking about making a move—or a realtor working with clients who need a solid game plan—let’s connect and make it happen.

NMLS # 1519991
Equal Housing Opportunity

As 2024 comes to a close, I want to take a moment to express my heartfelt gratitude. Whether we worked together on your ...
12/25/2024

As 2024 comes to a close, I want to take a moment to express my heartfelt gratitude. Whether we worked together on your homeownership journey, a refinance, or just stayed connected this year, your trust and support mean everything to me.

The holiday season is a time to reflect on blessings, make new memories, and look forward to what’s ahead. I’m so grateful to have you as part of my journey, and I can’t wait to help you or your loved ones with any future real estate or mortgage needs in the new year.

From my family to yours, wishing you a joyous Christmas, a festive holiday season, and a successful, happy New Year!

Warm regards,

Colin Tandy

NMLS 1519991
Equal Housing Opportunity

Our business continues to grow. We’re grateful for the relationships and clients that continue to place their trust in u...
09/13/2024

Our business continues to grow. We’re grateful for the relationships and clients that continue to place their trust in us for all their real estate financing needs.

We’re pumped to be expanding into the TX market and look forward to all the clients we’ll help and new relationships forged there.

If you’re in need of any financing please reach out, we’d love to help out.

LETS GO!!

Colin Tandy
NMLS 1519991

Traverse Home Loans LLC
NMLS 2560345
Equal Housing Opportunity

Some of the best advice you can use to help better your finances and help ensure you have a great experience buying a ho...
07/25/2024

Some of the best advice you can use to help better your finances and help ensure you have a great experience buying a home.

Earl Patrick Tandy January 4, 1948 - July 14, 2024Dear Grandpa, I’ve had a lot of different emotions and memories come t...
07/24/2024

Earl Patrick Tandy
January 4, 1948 - July 14, 2024

Dear Grandpa,

I’ve had a lot of different emotions and memories come through my mind over the last few weeks leading up to your passing.

One of the memories that’s to come mind is when you were building your home in Provo you would show me different things you had done with framing, placing blocking in the wall for a future TV mount, and all the other intricate details of the home. After each thing you shared, you would say it’ll make it real “slick” with it being done that way.

After hearing you say slick a lot I started thinking of a nickname for you, but couldn’t figure out what it would be. Then I started piecing it together when I thought of how you love giving Susie BIG smooches and you go by Skip. This was the light bulb moment I was looking for, putting all this together your nickname was Triple S (Slick, Smooching, Skip).

I remember after I shared the nickname I came up with for you, you got a big smile and laughed. ❤️ I cherish the time I was able to spend with you working on the house and the conversations we had.

You’ll always be remembered by me as a man who fiercely loved his Susie, his kids, and grandchildren. You truly embodied the acronym for FAMILY, forget about me I love you. You were a man of faith, a man who was a student of his profession, and loved by all.

I hope you were able to greet John on the other side and let him know how much I love and miss him. ❤️

Your presence here on Earth will be missed, and I hope you know that we’ll take care of your Susie while you’re not with us anymore.

I love you, and may God be with you until we meet again Triple S.

Love,

Colin

Recently, I was interviewed on Build A Lifestyle Podcast by my mentor and brother Michael Burns.I was able to share the ...
07/05/2024

Recently, I was interviewed on Build A Lifestyle Podcast by my mentor and brother Michael Burns.

I was able to share the journey I’ve been on the last four years and all the personal growth I’ve experienced during this time frame.

I started coaching with Mike in 2022 and everything he taught me regarding personal and self development helped lay the foundation I’ve been building my life off of.

The last four years haven’t been easy at all. I’ve gone through adversity at some of the highest levels from losing a mentor/older brother figure Chris Palmer, letting go of professional and family relationships that were toxic, forging a different path spiritually, tearing my ACL, among many other things.

Despite all the challenges I’ve experienced, I’m grateful for the lessons they have taught me and the man they’ve helped me become.

I’m grateful I get the chance every day I wake up to grow and become a better version of myself. We’re only guaranteed this one life, and we might as well make the most of it!

If you want to listen to this episode you can find it on my YouTube channel (link in my bio will take you there), and in the near future it will be released on Apple and Spotify.

Celebrating the company’s first deal closed at Joy Luck tonight. A lot of work went into getting the company started and...
02/28/2024

Celebrating the company’s first deal closed at Joy Luck tonight. A lot of work went into getting the company started and it’s an awesome experience to see all the hard work start to pay off.

I’m grateful to have a loving wife and business partner that helps me become the best version of my self each day.

This is only the start, stay tuned as there is more to come!

🚀 Exciting News! 🚀I am thrilled to share a significant milestone in my professional journey. After 10 amazing years in t...
02/24/2024

🚀 Exciting News! 🚀

I am thrilled to share a significant milestone in my professional journey. After 10 amazing years in the Mortgage Industry, I’ve decided to embark on a new adventure by launching my own business, Traverse Home Loans. We opened for business full time in January.

I am immensely grateful for the incredible experiences, learnings and relationships cultivated during my time as a mortgage professional. The decision to step into entrepreneurship was something I’ve wanted to do for the last 7 years, I’m fueled by passion, vision and a relentless drive to make a positive impact in the mortgage industry.

I want to express my gratitude to God, colleagues, mentors, and everyone who has supported me along the way. Your encouragement has been invaluable.

I’m excited to channel my expertise into Traverse Home Loans and to create something meaningful. Stay tuned for updates on this exciting journey, and I look forward to continued connections and collaborations.

Thank you for being part of my network, and for your support.

Please follow along as we work to empower others to become better educated with all things real estate, and helping them achieve their goals with real estate.

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Lehi, UT

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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