Terri Riga

Office Assistant

Terri is our receptionist and office assistant, as well as the first face you will see when you come to our office!

Terri brings over 15 years experience in the real estate industry including 13 years as the Closing Coordinator at a Title company and 2 years working with Real Estate Agents. She enjoys working with people throughout every aspect of the real estate process: from opening the file through the loan closing.
GET YOUR FREE QUOTE: 303-795-6025

AboutTerri Riga

Terri is the receptionist and office assistant, as well as the first face you will see when you come to our office.

Terri brings over 15 years experience in the real estate industry including 13 years as the Closing Coordinator at a Title company and 2 years working with Real Estate Agents. She enjoys working with people throughout every aspect of the real estate process: from opening the file through the loan closing.

She was born and raised in the eclectic city of New Orleans, so she loves Cajun food, jazz music and still needs that king cake every Mardi Gras! Her years at LSU included playing classical piano in Bach music festivals as she has played the piano most of her life. She also loves to walk the trails in Colorado, read the latest David Baldacci book, bake, and travel with her family.

The Latest & Greatest...

We are honored to be named by Expertise as one of the Top 20 Best Mortgage Brokers in Denver for 2017!  Check it out for yourself here: https://www.expertise.com/co/denver/mortgage-brokers-lenders

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A Mortgage Carol Video

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As most of our clients know, we have a sense of humor here at Residential Lending, and we love to share it!   Today we are sharing our Christmas video: A Mortgage Carol …where we share our reasons for using a broker for your mortgage instead of an impersonal bank,     …we remind you […]

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Buy a home with only 1% down?

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Brian says it’s possible! Click here to find out more!

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ShredMen Summer Games

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That’s right, the ShredMen are back and ready to SHRED! Join us!!! Saturday, August 27 for Shredding, Pancakes, and BACON! 830-10am In our West parking lot: 6901 S Pierce St Littleton, CO 80128

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Parisi Pizzeria

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This is serious Italian food, served in a casual and fun atmosphere and definitely worth the drive from Littleton!  The pasta is made in house, and everything is served fresh with a farm-to-table old world feel.   It’s casual on the main floor, but downstairs is a fine dining restaurant called Firenze a Tavola.  Authentic […]

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Is it worth the cost to refinance?

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In episode 8 of Brian’s Mortgage Mythbuster series, Brian gives some ideas about when it’s worth it to consider a refinance! And don’t miss the “big finish” at the end!

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Little Man Ice Cream

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Little Man Ice Cream has a great atmosphere!  They play great music like Sam Cook and Etta James while you sit outside under the colorful umbrellas and twinkle lights in the evening, which makes it an awesome spot to end a date night. There will be a line, (there’s always a line) but if you like your […]

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Fruition – Restaurant Review

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This is one of the best special occasion restaurants in the city, and my personal favorite restaurant in Denver.  Everything was beautiful and tasted wonderful.  The farm to table experience is one of the best around.  As a special father-son night before my son Tyler left on a 2 year LDS mission, it was the […]

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In the sixth Mortgage Mythbusters episode, Brian takes down the myth of getting the biggest loan possible – even if it’s not really necessary!

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Hop Doddy Restaurant Review

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From their website: “The good we make begins here. The FRESHEST available, all-natural ingredients. Our beef comes from HUMANELY RAISED COWS, never, ever given growth hormones or antibiotics. We grind everything in-house daily. Our fries are HAND-CUT from select Kennebec potatoes. Our buns are made from scratch & BAKED FRESH all day everyday. ENJOY!”   […]

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This is the best sushi joint in the southwest Denver area. I highly recommend it, and will definitely go again! -Brian   From their website: Aloha and welcome to Iwayama Sushi & da big kahuna bistro, offering the best sushi in the rocky mountains with a touch of aloha…At Iwayama (Rock Mountain) Sushi we welcome […]

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That’s right, our #Coloradoishome promotion this year is all about good food! If there’s anything we love more than helping people get a great mortgage, this might be it! You may already know that we are an office full of foodies. This summer we’ll tell you where we love to eat, (…we know what you’re thinking, but […]

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Thinking you’ll get a better loan or a better interest rate if you get a mortgage through your bank? Think again! Residential Lending’s Brian Swendsen busts this mortgage myth in no time at all!

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Beau Jo’s Colorado Style Pizza

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From their website: Beau Jo’s pizza is legendary among Colorado outdoor enthusiasts. The original pizza restaurant, located in Idaho Springs, Colorado has been the apres ski hangout since it opened in 1973. Today you can find one of our legendary restaurants in Idaho Springs, Denver, Boulder, Ft. Collins, Arvada and Evergreen, Colorado Here’s our take: […]

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Bacco Trattoria Restaurant Review

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Restaurant Review Bacco Trattoria From their website: “Bacco Trattoria, a unique restaurant offering a relaxed atmosphere and authentic Italian food and beverage. The decor is soft and traditional, but still carries a theme of Italian culture and trendy buzz with an open kitchen and prep area viewable to our guests. We invite you to come […]

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Many years ago when my wife and I purchased our first home we were so excited to have our own space where we could change the paint color, have a yard for our kids, and not be awakened by the guy in the apartment above us when he would decide to vacuum at 12:30 am. […]

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Zaika Restaurant Review

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Restaurant Review: Zaika Indian Cuisine From the website: “Zaika means flavor. We serve authentic Indian flavors with modern flare. We are a family serving with passion and dedication to our customers. Plus our carefully crafted menus, modish yet sophisticated ambiance are there to give you a great Zaika experience every time. Come on in to […]

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Spring Cleaning Life Hacks

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You’ve had that dream house for a while now and you’re loving life. But guess what? It’s springtime and now we’ve got some cleaning to do! Yay! 🙂 I’ve got some springtime cleaning life-hacks that I think will streamline the process. 1- Disinfect the sponge – Sponges literally soak up everything so before you start […]

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You’ve put an offer down on a house and it has been accepted! Congratulations! Now the fun begins. You’ve got financing to go through (my favorite part:)), closing dates to consider, contracts to sign, paperwork to submit…Having fun yet? Seriously though, owning a house is pretty exciting. But before you sign on that dotted line […]

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Here are the last four of my Not-So-Secret House Buying Tips. These are the ones to pay attention to after you think you’ve found your dream home. (To see tips 1-4, click here) 5. Consider Sleeper Costs This is a consideration, not necessarily a warning. Homes are one of the best ways to build wealth. […]

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We all have habits that are costly and most of us don’t even realize it or think twice about it. That large soda at the gas station, the vending machine at work, magazines at the checkout, etc., are small things that don’t cost a lot of money individually but when you add it up they […]

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Home ownership is exciting. It is a place to call your own. Your own little castle. Finding that castle requires having your “ducks in a row” so I’m going to give you a few tips that I think will make a big difference when you start to shop. Here are the first four, and then […]

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BD’s Mongolian Grill

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We loved BD’s Mongolian Grill! BD’s is a casual downtown restaurant, which mainly offers create-your-own stir-fry bowls, plus a salad bar & an all-you-can-eat option. The options are fresh, original, and seemingly endless.  Fill your bowl with whatever meats, veggies, sauces, and spices you like, and they will stir-fry it for you until it’s perfectly cooked […]

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Credit Tip – #2 Credit Killer

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As we previously discussed, the number 1 credit killer is late payments – and an easy way to avoid that is to automate your money. Did you know that the number 2 credit killer is your credit card Balance-to-Limit Ratios? Simply put, the credit scoring model looks at how much credit you have available to […]

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Should I Refinance? Is it even worth it? I hear this question a lot. We all like to think we got the best deal with the best terms. At the time we closed on our mortgage, that may have been the case. The reality is that anytime could be a good time to refinance, it […]

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Why Home Ownership Matters

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The term “Millennials” is used daily in the media to describe this group of young people that are uber tech savvy and march to the beat of their own drummer. In regards to housing, many so called “Millennials” have been slow to become homeowners choosing rather to spend their hard earned income on skinny jeans, […]

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I like to make lists. Before I get into a project I usually put together a list of steps to complete so that I don’t find myself at the end with a finished project and a couple extra screws lying around. (I’ve done that too!) So here are some things to consider for those of […]

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Skate into Some Fun!

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Looking for a little winter fun? How about ice skating?  There are options nearby that offer hours of fun for beginners to pros. Don’t miss the hot spot that’s tucked right into the foothills – Evergreen Lake! Close to home but far enough away to feel like you’ve escaped for the day.  This is inexpensive […]

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Want to be Financially Savvy?

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Recently I asked our loan officers what financial book, magazine or blog they would recommend if someone wanted to increase their financial savvy.  Here’s what they said: Jason and Mike both recommend reading Kiplinger magazine or website.  It has top notch information and they stay on top of current trends without much of a bias […]

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What I Know Now…

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Mortgages are a funny thing. They terrify people because oftentimes consumers don’t understand what they represent. I feel like mortgages get a bad rap. They conjures images of big faceless banks, people with expensive suits and expensive cars who sit on their throne and say “yes” to someone and “no” to someone else. Mortgages were […]

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Welcome Brian Swendsen!

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Residential Lending is proud to welcome our newest Mortgage Advisor, Brian Swendson! He brings a rich business background, and shares our enthusiasm for helping current homeowners and would-be homeowners find the best mortgages possible for each unique situation. We asked Brian some questions to find out more about his career change, and he had some […]

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Credit Tip – Automate Your Money

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Did you know that late payments are the number one credit killer? It’s true but with a few simple tasks you can automate your money and alleviate that problem. First off, contact your HR department and ask them to set you up with Direct Deposits for your paychecks.  You’ll likely need to bring them a […]

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Love from Loveland

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Looking for a unique touch for your Valentine’s Day cards? Send them from Loveland! You can drop your cards off (addressed and stamped) at King Soopers in their specially marked boxes to be re-mailed from Loveland. Why is that so special? Because each envelope is hand stamped with a short little Valentine’s Day poem then […]

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Cowboys and Snow

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The holidays are over and this time of year can seem a little like the doldrums for people. But never fear – there are still fun things to do in our great state, even in January! If you want to stay close to home you should check out the National Western Stock Show! Never been? […]

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Christmas Lights

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One of the pleasures of the Christmas season is the glow of millions of twinkling Christmas lights! In fact, it’s one of our favorite things to do during the holidays. Here are the four big shows you and your family can take in around the Denver area. Enjoy! Blossoms of Light at the Denver Botanic […]

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Christmas Parades!

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What would be a more festive start to the Christmas season than a fun filled parade? At this time of year there’s the added variety of day time parades or sparkling night time parades. Whether you prefer day or night grab your hat, mittens and a thermos of hot cocoa and take your family and […]

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Who do you trust to get you the best mortgage for your needs – a broker or a bank? In an article published recently by Bankrate.com they posed a similar question and present an argument for both sides. Here’s our take on just one aspect of the matter – relationship. We understand that for many […]

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**NOTE:  This was written in 2015 so the links may not be current any longer** Ah, Turkey Day – the day most of us think about mostly about the delicious meal we’ll enjoy with family and friends… Yet there’s so much more to do on Thanksgiving! Especially living in Denver where we love to be […]

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Closing Tricks and Treats!

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This fun Halloween video made us laugh again this year.  It’s both entertaining, and full of great information about what not to do before you close a loan!  Enjoy our goofiness one more time, and Happy Halloween from Residential Lending!

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TRID… Not All Lenders Are Equal

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October 3rd ushered in the era of the Tila Respa Integrated Disclosure or “TRID”. The HUD-1 is gone and the buzzwords from the Consumer Financial Protection Bureau (good ole’ CFPB) today are “know before you owe”. What is TRID exactly? In short, borrowers will now receive new Loan Estimate forms and Closing Disclosures and along […]

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Fall Fun!

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When you think of fall fun there’s a pretty good chance that you think of a pumpkin patch or a corn maze – or both! We love those too so we put together a list of patches and mazes for you to visit. This isn’t a comprehensive list of course but it should at least […]

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Congratulations to Residential Lending’s own Jason Duffy, on receiving the 5 Star Professional Award again for 2015! Five Star Professional candidates are nominated directly by consumers for their exemplary service. The program, which is the largest and most widely published mortgage professional award program in North America, requires nominees to satisfy five objective eligibility criteria. […]

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Thanks to our wonderful clients who came out for our shredding and breakfast morning! We had a great time, shredded boxes and boxes of old paperwork, and laughed and ate all morning long. We have the best clients ever!

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You want your mortgage process to go smoothly and be a pleasant experience, right? Well, we do too and with that in mind, we’ve assembled a list of DO’s and DON’T’s that will help avoid any delays with your loan approval and result in a relatively painless loan process. DO make all of your payments […]

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August #ColoradoIsHome Prizes!

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The August Prizes for #ColoradoIsHome are amazing!  And don’t worry,  there’s still time to post and WIN!  Just post a picture with your Reslending backpack from anywhere in Colorado directly to our FaceBook page with the hashtag #ColoradoIsHome.  We love seeing where those back packs have been!

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The Adventures of Shredman!

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Introducing SHREDMAN! The superhero who helps the citizens of Colorado avoid the injustice of identity theft! He reminds us to secure our personal information, and urges us at every opportunity to SHRED OUR DOCUMENTS before disposing of them! Follow the Adventures of Shredman here: (And don’t forget to let us know if you can come […]

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A Homeowners Favorite Word Is…

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Over the last 8 years or so, lending and real estate has had some pretty rough patches to contend with. From 2007 to roughly 2011, home values tended to decrease which placed many homeowners in a position where they didn’t have much equity (equity = difference between home value and loan balance) which caused some […]

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Pike’s Peak Cog Railway Review

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As a Colorado native, I grew up knowing that Pikes Peak is one of the most famous mountain summits in the United States, and arguably the most famous 14’er in Colorado. Named for explorer Zebulon Pike  – who incidentally never actually reached the summit – the mountain is officially 14,115 feet from sea level. But even […]

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Shakespeare Festival

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For over 50 years CU has been hosting the Colorado Shakespeare Festival on it’s beautiful campus in Boulder.  We ventured up this year to see Much Ado About Nothing on a Saturday night. We stopped at Matthews/Winters Park in Morrison on the way up for a picnic dinner. (Have you ever explored all the many […]

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July Prizes #ColoradoIsHome

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Have you gotten your FREE backpack yet? We had so much fun watching the June #ColoradoIsHome pictures come in on our Facebook page! You  are all so creative and inspiring in the fun things you are getting out and doing! OK- on to July! There are some GREAT prizes coming up!

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Sky Sox and Star Wars

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There are two things most Americans love – baseball and Star Wars – so why not combine them?  That’s exactly what the Colorado Springs Sky Sox team did last weekend. But they didn’t stop there.  They also ended the night with a fireworks show! Sweet!! This is minor league baseball and the atmosphere felt a […]

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Fireworks!

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There’s no shortage of fun for the 4th of July in Colorado – the hard part is deciding what to do! So, whether you’re looking for a family event, free event or you want to go hog wild here are a bunch of ideas for you including links to each site so you can get […]

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Renaissance Festival

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The Colorado Renaissance Festival is held in beautiful Larkspur every summer. If you haven’t gone it’s worth a trip out there at least once. Here are the highlights from our visit last weekend.

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Have you gotten your FREE backpack yet?

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#ColoradoIsHome! Let the Fun Begin… This summer, we are all about celebrating Colorado, and helping you do the same!  Free Backpacks while supplies last, really GREAT prizes throughout the summer, photos, sharing, and all kinds of activities, scenery, and fun.   WE even have a brand new hashtag ready to go.  Check out this video […]

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Avoid Condo Contract Disaster!

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Here’s our latest video made for our realtor partners. The condo and townhouse market is heating up and these are some things to help avoid DISASTER when it comes to mortgage regulations. Visit each loan officer’s individual video by clicking on his picture on our home page.

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WE Want To Give You One!

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#ColoradoIsHome Official Rules

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#ColoradoIsHome (See Official Rules Below)  . . The Basic Idea: Free backpacks will be mailed to Colorado mailing addresses while supplies last (1 per household) to anyone age 18 and older who 1) likes our Facebook page, and 2) signs up for our email list. Participants may then use the backpacks to enter monthly contests during […]

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Mortgage Center!

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Well, you KNOW the team at Residential Lending has something to say about the big game this weekend! Come check it out, and get some good info about 15 Year vs 30 Year mortgage terms as well!

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The holiday season is in full swing!  It’s a time when we think about gift giving, spending time with family and watching holiday movies. One of my all time favorites is Christmas Vacation with Chevy Chase. The story follows the misadventures of Clark Griswold as he tries to have a great Christmas while fighting with […]

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Mortgage Freedom

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At tax time every year, no doubt millions of homeowners review the amount of mortgage interest that they have paid to see how much they might be able to deduct for tax purposes. For homeowners that have 30 year mortgages, they typically receive the largest deductions (at least as long as mortgage interest remains tax […]

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Don’t Do It!

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Congratulations! You have just had your offer accepted and you are under contract to purchase your dream home but now is NOT the time to let down your guard! You may have heard that mortgage underwriting has changed a bit since the housing bust and mortgage meltdown of the late 2000′s so here is a list of a few things NOT to do once you are under contract!

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Interest Only Calculator

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This tool will calculate your monthly payment based on the loan amount, interest rate, and term that you provide.

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This tool calculates your interest savings based on refinancing your existing mortgage.

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This tool compares 15 year and 30 year mortgages based on the loan amount and interest rate that you provide.

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Fixed Rate vs. ARM Calculator

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This tool allows you to compare the monthly payment for Fixed Rate Mortgage and an Adjustable Rate Mortgage (ARM).

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Rent vs Own

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To estimate the benefits of owning a home as opposed to renting, fill in the form below and click the Calculate button.

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How Much Can I Borrow

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To get a sense of how much you may be able to borrow, fill in the form below and click on the calculate button. Please note that prequalification is different from a preapproval. Prequalification gives you an estimate of how much you may be able to borrow. Preapproval, on the other hand, indicates that you have been approved for a set loan amount prior to property selection.

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How Much Can I Afford

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By entering in your desired monthly payment, interest rate, and term, we can calculate the maximum loan amount you can afford. This calculation does not include any other fees that might be included with your mortgage payments.

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Extra Payment

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This tool will allow you to see how much money you can save by increasing your monthly payment.

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Payment Schedule Calculator

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This calculator will calculate the breakdown of principal and interest payments for each year that you will be paying for the life of the loan. You can also view the monthly breakdowns.

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Monthly Payment

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Calculates your payment for different loan amounts, interest rates, and amortization terms.

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Drop us a Message!

Residential Lending, LLC
6901 S Pierce St.
Suite 290
Littleton, CO 80128
Phone: 303-795-6025
Email: info@reslending.com
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