Jonah Bank - Katie Coonts NMLS #893040

Jonah Bank - Katie Coonts NMLS #893040 Mortgage Loan Originator NMLS #893040 | Jonah Bank of Wyoming NMLS # 313969: Competitive rates, honest advice. Equal Housing Lender. Borrowers must qualify.

Integrity, real commitment, Code of the West values. Member FDIC. | 205 Storey Blvd, Cheyenne | 307-773-7813 Katie Coonts
Mortgage Loan Originator
NMLS: # 893040
Experience matters, and I know what truly counts for clients. At Jonah Bank of Wyoming, we offer competitive rates and fees, but more importantly, we stand by values you can trust—integrity, honesty, and putting your needs first. Our comm

itment to the Code of the West is more than just words; it shapes everything we do. That’s why I joined Jonah Bank, a team that shares my principles and puts people above profit. Your mortgage isn’t just a transaction—it’s personal, and it’s a foundation for your future. My promise is to make your purchase or refinance process smooth, honest, and fair, and to remain committed to you long after closing.

©2006 Jonah Bank of Wyoming. All Rights Reserved. | Equal Housing Lender | Member FDIC | NMLS ID #313969. For licensing information, go to www.nmlsconsumeraccess.org | Find us and apply online at jonah.bank | Office Address: 205 Storey Blvd. Cheyenne WY 82009 | 307-773-7813
Wyoming State Chartered Bank | FDIC insured | The content in this advertisement is for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Program guidelines are subject to change without notice. Loans not available in all states. Jonah Bank of Wyoming is not acting on behalf of or at the direction of HUD, FHA, VA, or any federal or state government agency.

Credit Tip Tuesday!Judgments and liens = big red flagsEven if your score is solid, open judgments and tax liens can dera...
06/09/2026

Credit Tip Tuesday!
Judgments and liens = big red flags
Even if your score is solid, open judgments and tax liens can derail your loan.
Most lenders require:
✔️ Proof they’ve been paid
✔️ Release documents
✔️ In some cases, months of payment history
Don’t let old debt cause new problems. We’ll pull your report and clear the path before you apply.

Mortgage Wisdom Wednesday! 🏡💰What Is a Jumbo Loan?Jumbo loans exceed conforming loan limits set by Fannie Mae and Freddi...
06/03/2026

Mortgage Wisdom Wednesday! 🏡💰

What Is a Jumbo Loan?

Jumbo loans exceed conforming loan limits set by Fannie Mae and Freddie Mac. Because they carry higher risk, they have stricter credit, income, and down payment requirements.

💡 Why it matters: If you’re buying a luxury or high-priced home, expect higher qualification standards.

Pro Tip: Work with a lender experienced in jumbo loans to navigate the extra requirements smoothly.

Credit Tip Tuesday!Filed for bankruptcy? You can still buy a home.Yep—you’re not out of the game forever.📅 FHA = 2 years...
06/02/2026

Credit Tip Tuesday!
Filed for bankruptcy? You can still buy a home.
Yep—you’re not out of the game forever.
📅 FHA = 2 years from Chapter 7 discharge
📅 Conventional = 4 years
📈 Chapter 13 = you may qualify while still in repayment with trustee approval
The key is rebuilding the right way and that starts now. I’ll guide you every step.

Mortgage Wisdom Wednesday! 💸⚖️When Is an Interest-Only Loan a Good Idea?Interest-only loans offer lower initial payments...
05/27/2026

Mortgage Wisdom Wednesday! 💸⚖️

When Is an Interest-Only Loan a Good Idea?

Interest-only loans offer lower initial payments by only paying interest for a set period. However, you don’t build equity during that time, and payments increase significantly afterward.

💡 Use cautiously: Best suited for borrowers with fluctuating income or plans to refinance/sell before principal payments start.

Pro Tip: Understand the risks and have a solid repayment or exit plan before choosing this loan type.

Credit Tip Tuesday!How your spouse’s credit can affect your loan even if they’re not applyingIn community property state...
05/26/2026

Credit Tip Tuesday!
How your spouse’s credit can affect your loan even if they’re not applying
In community property states like AZ, CA, or TX, your spouse’s debts may be counted in your DTI even if you apply solo.
💡 Their credit score won’t be used but their monthly obligations? Absolutely.
If they are on your loan and you have a middle score of 780 and they have a middle score of 580; your rate is approved based on the 580.
Let’s check to see how your relationship impacts your approval process, because surprises at underwriting are never fun.

Credit Tip Tuesday!Can you qualify for a mortgage if you have collections?Yes, but it depends.📌 Medical collections ofte...
05/19/2026

Credit Tip Tuesday!
Can you qualify for a mortgage if you have collections?
Yes, but it depends.
📌 Medical collections often aren’t counted.
📌 Some other collections may not need to be paid. It depends on how much you owe in total and if paying them off will help your score.
Best option - don’t guess—ask. We’ll review your report together and map out the best route forward.

Mortgage Wisdom Wednesday! ⏳🔁How Early Can You Refinance?Many loans have seasoning requirements—minimum time you must wa...
05/13/2026

Mortgage Wisdom Wednesday! ⏳🔁

How Early Can You Refinance?

Many loans have seasoning requirements—minimum time you must wait before refinancing, typically 6–12 months. Jumping in too soon can lead to denial or penalties.

💡 Check your loan terms: Knowing your refinance timeline helps plan your financial moves wisely.

Pro Tip: Keep an eye on market rates and your loan eligibility to refinance at the optimal time.

Credit Tip Tuesday!Snowball vs. Avalanche—what’s the best debt payoff method?💥 Snowball: Pay off the smallest balances f...
05/12/2026

Credit Tip Tuesday!
Snowball vs. Avalanche—what’s the best debt payoff method?
💥 Snowball: Pay off the smallest balances first to build momentum
🔥 Avalanche: Tackle the highest interest rate first to save more long-term
Both work. The “right” method is the one that keeps you moving forward consistently.
💡 Want help structuring a debt payoff plan that also boosts your credit? Let’s chat.

Mortgage Wisdom Wednesday! 📋✍️What to Expect on Closing DayClosing day means signing a stack of documents and providing ...
05/06/2026

Mortgage Wisdom Wednesday! 📋✍️

What to Expect on Closing Day

Closing day means signing a stack of documents and providing funds for your down payment, closing costs, and prepaid items like taxes and insurance. Knowing these numbers in advance prevents last-minute surprises.

💡 Be prepared: Review your Closing Disclosure several days before closing and ask questions.

Pro Tip: Bring a valid ID, a cashier’s check or proof of wire transfer for your funds and arrive ready to sign.

Credit Tip Tuesday!How long do negative marks last?📉 Late payments = 7 years💥 Collections = 7 years⚖️ Bankruptcy = 7–10 ...
05/05/2026

Credit Tip Tuesday!
How long do negative marks last?
📉 Late payments = 7 years
💥 Collections = 7 years
⚖️ Bankruptcy = 7–10 years
But here’s the silver lining: the impact fades over time, especially if you’re actively rebuilding with new, positive credit behavior.
One mistake doesn’t define you but avoiding action can. Let’s get a plan together.

Address

205 Storey Boulevard
Cheyenne, WY
82009

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+13077737813

Website

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