TJ and Norah Lile - Integrity Mortgage Co - 2088127/1585655

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TJ and Norah Lile - Integrity Mortgage Co - 2088127/1585655

Norah Lile is the Owner & CEO of Integrity Mortgage Co, a mortgage broker that offers a vast array o

01/09/2026

24 hours after the announcement about limiting institutional buyers from purchasing single-family homes… this drops.

Now there’s talk of the government stepping in to buy $200 billion in mortgage-backed securities.

On the surface, these feel like two separate ideas. In reality, they pull on opposite ends of the same system.

Buying mortgage bonds is meant to lower mortgage rates, which increases purchasing power and typically brings more buyers back into the market.

We’ve seen this before.

During the COVID years, the Fed bought mortgage bonds to stimulate housing. That was a much larger injection of cash, but the result was the same mechanism at work: rates fell sharply, demand surged, and prices followed.

What caught my attention was how quickly markets reacted. Almost immediately after the headline hit, bond prices started moving up—which is exactly how mortgage rates move down.

Worth watching closely.

01/08/2026

2025 Denver-Metro housing market in review....

New Listings - 53,854 (2024), 57,616 (2025) UP 6%

Median Home Price - $585,000 (2024 & 2025) FLAT

Number of Sales - 41k (2024), 40k (2025) DOWN 2%

Expireds - 11,939 (2024), 17,579 (2025) UP 32%

Median Days in Market - 18 (2024), 25 (2025) UP 28%

Pile up of old inventory, along with a slight increase of new inventory that took longer to sell.

With that, it is eye opening that median home prices stayed exactly the same YOY.

Same median sales price and number of sales tells us buyer demand was exactly the same.

Expireds WAY up YOY. Sellers were clearly saying if they can't get their price, they are going to pull their house off market and try again the following year.

Keep tuning in as we will break all the numbers down like this every month so you are in the know, real time, throughout the year.....

12/31/2025

Just came across this map showing the median income needed to buy a 3-bedroom home in each U.S. state.

👉 Hawaii tops the list at $229K, while the lowest is West Virginia at $71K.

Curious to know — does this line up with what you’re seeing in your state? 🏡

Drop your thoughts below ⬇️

10/13/2025

Mortgage rates just DROPPED 0.25% while the 10-yr treasury only slipped 0.073%... and the reason why is actually kind of fascinating.

Think of mortgage rates like being sorted into buckets. One bucket holds loans up to 6.625%, and that’s where most of the action has been lately. But today, the bucket below it, the one that caps at 6.125%, started taking over.

When that happens, it’s like gravity pulling rates down faster than you’d expect from the day’s headlines. Why? Because investors are betting rates will keep falling, and they’d rather lock in slightly lower returns for longer than risk having to reinvest at even lower rates down the road.

That shift is why you’re seeing rates improve more quickly than the bond market alone would suggest. 🔥 And it’s exactly these moments that open up real opportunities for buyers and homeowners.

If you want to run your numbers; have a conventional loan at a rate in the 7's or an FHA or VA rate in the 6’s…we need to talk!

10/07/2025

📉 The power has shifted — buyers now hold the cards in most U.S. housing markets.

Redfin reports there are 36% more sellers than buyers nationwide.
In places like Miami, Fort Lauderdale, and Austin, there are 2X as many sellers as buyers.

That’s a massive flip from a few years ago when sellers called all the shots.

So what does this mean for investors?
👉 More motivated sellers
👉 More negotiating power
👉 Better deals and creative finance opportunities

When inventory rises and competition cools, sellers start saying “yes” to offers they wouldn’t even consider before.

💬 What do you think — is this the start of a true buyer’s market? Or just a short-term window before things flip again?

09/29/2025

🚨 The Biggest Wealth Transfer in U.S. History Is Happening Right Now 🚨

Over the next 20 years, trillions of dollars in real estate will change hands. Baby Boomers and the Silent Generation currently hold nearly $25 trillion worth of real estate, and much of that is going to be passed down to their kids and grandkids.

To put this into perspective:
🏠 By 2048, experts project that $105 trillion will be handed down, with real estate making up a huge portion—homes, vacation properties, rentals, and land.
💰 This shift is already showing up in the numbers. As you can see in the chart, Millennials and Gen X are rapidly gaining real estate wealth as Boomers age and transfer property.

But here’s the key takeaway:
👉 For regular people and investors, this creates a once-in-a-lifetime opportunity. Families will inherit homes they don’t want, can’t afford, or simply don’t know what to do with. That means more properties hitting the market, more chances for deals, and more opportunities for investors who are ready.

This isn’t just about buying and selling—it’s about understanding where wealth is moving and positioning yourself to benefit from it instead of missing out.

What do you think—will this wealth transfer strengthen the housing market, or will it cause even more challenges?

09/08/2025

🚨 Housing Inventory Hits Highest Level Since 2007 🚨

The latest data shows there are now 511,000 new homes for sale in the U.S. — the highest inventory we’ve seen since October 2007.

What does this mean for investors?
It means opportunity.

Warren Buffett always says: “Be fearful when others are greedy, and be greedy when others are fearful.” When everyone is rushing to buy, sellers hold the power. But when inventory climbs like it is right now, buyers gain leverage.

👉 We’re already seeing this shift in Florida. More sellers than ever are open to seller financing. Just yesterday, I spoke to a seller willing to offer 3.25% interest simply to move their property quickly.

These are the deals where savvy investors can lock in long-term wins — buying when others are hesitant and structuring terms that make sense today and in the future.

If you’ve been waiting for the right time, this is it. The market is shifting, and the smart money knows where to look.

09/03/2025

Another month, more eye opening adjusted Colorado housing stats for June....

Total Actives - 13,346, UP 23% year over year
Pendings - 3,941, UP 5% year over year
Median Days on Market - 24, UP 60% year over year
Median Home Price - $585,000, DOWN 1% year over year
Number of Sales - 3,664, DOWN 3% year over year

Actives are still up quite a bit year over year, but net new listings have slowed the last several weeks.

Median days on market continues to have a wide gap compared to last year - now up 60% compared to last year.

And now median home price is down 1% since last year, and dropped 2% from last month.

It appears sellers are having to make a choice. Lower their price to sell, or allow their house to continue to sit on market. Or, some are choosing to pull off market entirely, rent it out, and try again next year....

08/27/2025

🔥 There are officially TWO housing markets in America right now. Actually… maybe three.

📈 If you live in the Northeast or Midwest, home prices are going up—almost everywhere you look.

📉 If you’re in the South or the West, prices are falling across the board.

📉📉 And if you’re in Florida… it’s even worse. The bottom is falling out.

Take a look at these maps. This isn’t a small shift—this is a major divergence. Over 100 markets are seeing year-over-year price drops, and Florida is leading the charge in inventory build-up and falling values.

Meanwhile, places like Ohio, Pennsylvania, and upstate New York are seeing prices continue to climb. 🏡

This kind of regional split hasn’t happened like this before. Makes you wonder:

👉 What’s causing it?
👉 How long will it last?
👉 What’s the opportunity here for investors?

Let’s talk. What are you seeing in your local market?

08/15/2025

Condos getting hit the hardest....

Here in Denver Metro, 2 eye opening stats when comparing Condos to Single Family Homes. Stats are comparing January-June '24 vs '25.

1. Expireds - expired off the market after not selling after a period of time
Condos - 824 to 1,488 - UP 80%
Single Family Homes - 495 to 852 - UP 72%

2. Closed Sales - measures number of houses sold
Condos - 2,895 to 2,576 - DOWN 11%
Single Family Homes - 15,432 to 15,753 - UP 2%

These 2 stats tell me that buyers simply aren't shopping at the same pace as SFH's. Just the sheer number of expireds (almost doubled of what SFH's are) tells me even if sellers are lowering their prices, buyers still aren't moving them. Many condo sellers are pulling off market and renting because of it.

With ever increasing insurance costs and difficulty with coverage on condos, HOA dues are increasing at staggering rates, which in turn de-values and pushes condo prices down.

We see that condos are typically the first to fall in value in down markets, and the last to appreciate in hot markets....

08/06/2025

In June, Colorado ranked #1 in the U.S. for inventory surplus, with active listings 61.7% higher than historical seasonal norms. This means there are significantly more homes on the market than we’d typically expect for this time of year.

🏡 A surplus like this generally signals a shift toward a buyer’s market, where increased supply gives buyers more choices, more negotiating power, and slows the pace of price growth. Sellers, on the other hand, may face longer days on market and more competition.

📈 This trend isn’t isolated. Other states like Arizona, Florida, and Texas also showed elevated inventory levels, indicating that this is part of a broader national shift in housing dynamics.

💬 For buyers: This could be your window of opportunity. With more options and more time, you can be methodical in your search for the perfect home!

💬 For sellers: Strategic pricing and standout presentation are more important than ever. It's key in today's market to differentiate your listing against more competition to attract buyers.

Address

3758 Windchant Circle
Castle Rock, CO
80104

Telephone

+13038095418

Website

http://www.integritymortgageco.com/

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