Colin Tandy Home Loans

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

Huge shoutout to Peak Junk Removal for knocking this out of the park.I hired them to remove a large pile of dirt, clay, ...
11/27/2025

Huge shoutout to Peak Junk Removal for knocking this out of the park.

I hired them to remove a large pile of dirt, clay, and broken concrete left over from a previous project, and the entire process was smooth from start to finish.

Gaige was easy to communicate with, his quote was very well priced, and he and his colleague completed the job in no time. No hassle. No excuses. Just solid, professional work.

If you have any junk removal needs, I highly recommend reaching out to Peak Junk Removal. They’ll take care of you.

We lost 3 to 2 in the championship today.It’s never easy coming that close, but I’m so grateful for this season and what...
10/12/2025

We lost 3 to 2 in the championship today.

It’s never easy coming that close, but I’m so grateful for this season and what it meant to me.

A little over a year ago, I was learning how to walk again after ACL and meniscus surgery. There were times I didn’t know if I’d ever play again, let alone step onto the field in a final and score a goal.

That moment reminded me how far I’ve come and how much I love this game. The competition, the friendships, the grind, and the feeling of being out there again made every setback worth it.

To my teammates, thank you for an incredible season. I couldn’t have asked for a better group to share this journey with.

Proud of what we built and already looking forward to next year.

🏡 House hacking isn’t about living for free — it’s about living for less.If your mortgage or rent eats up most of your m...
08/12/2025

🏡 House hacking isn’t about living for free — it’s about living for less.

If your mortgage or rent eats up most of your monthly budget, this strategy can help you turn your home into an income-producing asset.

Whether it’s renting out an ADU, buying a duplex and living in one side, or doing room-by-room rentals, you can offset a big chunk of your housing costs — sometimes even enough to cut them in half.

The best part? You can stack this with tax benefits and low-down-payment loans to make the numbers work even better.

💬 Curious if house hacking could work for you? DM me the word “HACK” and I’ll help you run the numbers before you start house hunting.

——

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

I’d rather help you 6 months early than 1 week too late.Good things happen when you plan ahead.📩 DM me “Ready” and I’ll ...
07/09/2025

I’d rather help you 6 months early than 1 week too late.
Good things happen when you plan ahead.
📩 DM me “Ready” and I’ll send over a personalized plan.


NMLS # 1519991 & 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

Address

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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