Keystone Home Finance

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Keystone Home Finance Keystone Home Finance NMLS1183383
Mortgage Broker serving the State of MN & FL. Offering a wide range of products to help you in all your home financing needs.

Audrey Nierenhausen and her team have over 20 years of experience in the mortgage industry. Some products offered:
Conventional fixed and adjustable rates, FHA, USDA, VA mortgages. When it comes to one of the most important investments most borrowers have, working with a professional is important! Company NMLS 1183383

Audrey Nierenhausen NMLS 369454
John Munson NMLS 370441

🍋 A Little Something Sweet!  Let's switch gears from mortgage talk to something a little more delicious!Did you know Oct...
10/15/2026

🍋 A Little Something Sweet! Let's switch gears from mortgage talk to something a little more delicious!
Did you know October 15 is National Lemon Bar Day?
Here's a sweet recipe from Food Network that's perfect for a weekend, a gathering, or just because!

Homemade Lemon Bars 🍋 Makes 20 squares or 40 triangles.
For the crust:
• 1/2 pound unsalted butter, room temperature
• 1/2 cup sugar
• 2 cups flour
• 1/8 teaspoon kosher salt
For the filling:
• 6 extra-large eggs, room temperature
• 3 cups sugar
• 2 tablespoons grated lemon zest (4–6 lemons)
• 1 cup freshly squeezed lemon juice
• 1 cup flour
• Confectioners' sugar for dusting
Directions:
1. Preheat oven to 350°F.
2. Cream butter and sugar until light and fluffy.
3. Combine flour and salt, then gradually mix into the butter mixture on low speed until combined.
4. Transfer dough to a floured surface, gather into a ball, and press into a 9-by-13-by-2-inch baking pan, building a 1/2-inch edge around the sides. Chill for 15 minutes.
5. Bake for 15–20 minutes until lightly browned. Cool on a wire rack, leaving the oven on.
6. Whisk together the filling ingredients, pour over the crust, and bake for 30–35 minutes until set.
7. Cool completely, cut into squares or triangles, and dust with confectioners' sugar.
Enjoy! 😋

Keystone Home Finance LLC. NMLS 1183383.

Audrey Nierenhausen, NMLS 369454.
[email protected]
320-260-2029
Keystonehf.com

This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Rates, terms, programs, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

📅 What We're Watching This Coming WeekAfter Monday's market closure for Columbus Day, we've got several important econom...
10/13/2026

📅 What We're Watching This Coming Week
After Monday's market closure for Columbus Day, we've got several important economic reports coming:
• Tuesday: Existing Home Sales
• Wednesday: Consumer Price Index (CPI)
• Thursday: Producer Price Index (PPI), weekly jobless claims, and Retail Sales
These reports can influence the bond market and mortgage rate movement, so we'll be keeping an eye on them!

Keystone Home Finance LLC. NMLS 1183383.

Audrey Nierenhausen, NMLS 369454.
[email protected]
320-260-2029
Keystonehf.com

This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Rates, terms, programs, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

🏠 Quick Market HitsHome Prices: National home values remained relatively stable in August, declining just 0.1% from July...
10/12/2026

🏠 Quick Market Hits
Home Prices: National home values remained relatively stable in August, declining just 0.1% from July while remaining 1.8% higher than a year ago, according to Cotality.
Employment: New unemployment claims dipped slightly to 197,000 last week, while continuing claims are hovering around 1.72 million.
While those numbers remain relatively low historically, they don't necessarily tell the whole story. Some workers transition to freelance or contract work instead of filing for unemployment, while others may have exhausted their benefits.

Bond Market: A selloff in European bonds pushed global yields higher, creating some volatility here at home. Strong demand at U.S. Treasury auctions later helped stabilize things.
Keystone Home Finance LLC. NMLS 1183383.

Audrey Nierenhausen, NMLS 369454.
[email protected]
320-260-2029
Keystonehf.com

This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Rates, terms, programs, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

10/12/2026

📉 Fed Minutes: What They May Mean for Rates

The minutes from the Federal Reserve's September meeting highlighted just how important upcoming inflation and labor market data will be in determining where interest rates head next.

As a quick recap, the Fed raised its benchmark Federal Funds Rate by 0.25% last month, largely due to elevated inflation.

A good reminder for buyers: The Fed Funds Rate is NOT the same as mortgage rates. Mortgage rates are influenced by several factors, including inflation expectations and the bond market.

The Fed's next meetings are scheduled for October 27–28 and December 8–9.
While September's minutes suggested another rate hike could be appropriate before year-end, recent inflation data has been softer than expected. Several Fed officials have also emphasized wanting more information before making another move.

The takeaway? Expectations for another October rate hike have dropped significantly.

Keystone Home Finance LLC. NMLS 1183383.

Audrey Nierenhausen, NMLS 369454.
[email protected]
320-260-2029
Keystonehf.com

This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Rates, terms, programs, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

Questions?We have answers.Keystone Home Finance LLC. NMLS 1183383. Audrey Nierenhausen, NMLS 369454.audrey@keystonehf.co...
10/02/2026

Questions?
We have answers.

Keystone Home Finance LLC. NMLS 1183383.

Audrey Nierenhausen, NMLS 369454.
[email protected]
320-260-2029
Keystonehf.com

This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Rates, terms, programs, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

FIRST TIME BUYERS!!Keystone Home Finance LLC. NMLS 1183383. Audrey Nierenhausen, NMLS 369454.audrey@keystonehf.com320-26...
09/30/2026

FIRST TIME BUYERS!!

Keystone Home Finance LLC. NMLS 1183383.

Audrey Nierenhausen, NMLS 369454.
[email protected]
320-260-2029
Keystonehf.com

This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Rates, terms, programs, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

09/29/2026

Keystone Home Finance LLC. NMLS 1183383.

Audrey Nierenhausen, NMLS 369454.
[email protected]
320-260-2029
Keystonehf.com

This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Rates, terms, programs, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

Keystone Home Finance LLC. NMLS 1183383. Audrey Nierenhausen, NMLS 369454. audrey@keystonehf.com320-260-2029Keystonehf.c...
09/28/2026

Keystone Home Finance LLC. NMLS 1183383.

Audrey Nierenhausen, NMLS 369454.
[email protected]
320-260-2029
Keystonehf.com

This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Rates, terms, programs, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

National Sons Day!Easy for us to celebrate when we are blessed with the kindest, living life to the fullest, outdoor ent...
09/28/2026

National Sons Day!
Easy for us to celebrate when we are blessed with the kindest, living life to the fullest, outdoor enthusiast, Jesus loving boy!
Love you Johnny!

Address

215 1st Street South
Cold Spring, MN
56320

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm
Saturday 7am - 7pm

Telephone

+13202602029

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