Jacob Leggett - Mortgage Loan Officer

10/17/2026

Make your move a little easier with a $1,000 closing-cost credit* on
a new mortgage for a limited time. Use the savings for moving expenses, home updates, new furniture or whatever helps you feel at home faster. Offer ends 12/31/26.

Contact me at 719-510-6735 or apply at https://www.ent.com/jleggett/.
Mortgage Loan Officer, NMLS #1872264

*Offer not combinable with other Mortgage offers. $1,000 credit will be applied to closing costs. Valid on new purchase and refinance applications received 9/15/26-12/31/26 and closed within 6 months of applying. Credit cannot be applied to transactions that are currently in progress. The offer may be withdrawn at any time and is subject to change at Wings’ sole discretion. Must be a Wings member prior to closing. Insured by NCUA | Equal Housing Opportunity | NMLS #405466 | © 2026 Wings Credit Union

10/14/2026

Inflation ticked up in September! 📈 Headline annual inflation climbed to 3.7% (up 0.6% MoM), driven mostly by energy and gas costs. Meanwhile, Core inflation rests at 2.6%.

Thinking about buying a home soon? Let's connect to look at what these numbers mean for your mortgage strategy.

10/12/2026

The avg. 30yr FRM increases to 7.40% https://www.freddiemac.com/pmms

10/07/2026

🏡 What is your biggest asset actually worth in today's market?

Most homeowners track their stock portfolios or bank accounts daily, but completely guess when it comes to their home equity.

Take control of your financial health with a free, personalized monthly home report delivered straight to your inbox.

Every month, you’ll get clear insights on:

• 📉 Estimated Home Value – Stay on top of local market shifts.
• 💰 Your Estimated Equity – Know exactly how much wealth you've built.
• 🛠️ Smart Financial Moves – See how refinancing or extra principal payments can save you thousands.
• 🔎 Property Searches – Track what homes are selling for in your neighborhood.
No spam, no hassle—just data to help you build wealth faster.

👉 Click here to set up your free dashboard: https://hmbt.co/XEnAQC
Have questions about your report or the local market? Drop a comment below or send me a direct message!

Homebot is a monthly financial dashboard that enables you to maximize the wealth from the single largest asset you will ever own.

10/06/2026

Planning your homebuying budget involves more than tracking principal and interest. In most cases, your monthly mortgage bill also includes property taxes and homeowners insurance handled through an escrow account.

Getting a clear picture of how escrow impacts your bottom line prevents unexpected expenses after closing. If you are ready to explore your home loan options, I can map out what your total monthly commitment will look like.

Have questions about navigating the local market? Send a message today—I am here to guide you every step of the way!

10/05/2026

The "right" home price isn’t just what you qualify for on paper—it’s the one that lets you actually enjoy your life! 🏔️✨

With Colorado's competitive housing market, it is incredibly easy to get caught up in the maximum purchase price. But true financial peace of mind starts with a different number: a monthly payment that feels comfortable for you.

Before you start falling in love with listings, take a realistic look at your budget. Buying a home is a long-term commitment, and you deserve a mortgage that still leaves room for the other things that matter to you.

A little breathing room in your budget means you can still enjoy your weekend mountain getaways, dine out at your favorite local spots, and build your savings even with small but consistent amounts. 🙌

🏡 Thinking about buying a home in Colorado soon? Don't guess your numbers. Send me a DM, and let’s figure out a comfortable budget that fits your exact lifestyle!

10/03/2026

It’s no secret that the last couple of weeks have been tough for mortgage rates. 😅

And it may not be the right time for everyone to buy.

But sometimes life doesn’t wait for the perfect market. Maybe you’re relocating, your family is growing, or you’ve simply decided that buying makes sense for you right now.

If that’s you, it’s worth knowing about our free Lock & Shop program.

There’s some nuance to how it works, and we also have flexibility with our rate locks that can help you navigate a challenging market without trying to predict exactly what rates will do next.

If you’re in the market and want to understand your options, send me a DM.

Happy to walk you through it.

09/29/2026

“Marry the house, date the rate.”

Great slogan. Questionable financial plan. 😅

There is truth behind it. Your first mortgage doesn't have to be your last. If rates eventually fall enough and refinancing makes financial sense, great!

The problem is when speculation is sold as a certainty.

Nobody can reliably predict exactly where mortgage rates will be 6 months, 2 years, or 5 years from now. So I don't want someone stretching beyond what they can reasonably afford today because they're being told, “Don't worry, you'll just refinance.”

I'm cautious with temporary buydowns for a similar reason. They can have their place, but the lower initial payment isn't free. Money is contributed upfront to subsidize those temporarily lower payments.

That creates an important question:

Is this actually the best use of those dollars?

Could they instead help with other closing costs or reduce cash-to-close? Is the buyer accepting a higher purchase price to receive the seller concession funding the buydown?

Some may still prefer the temporary buydown after comparing the alternatives. I respect that choice. But most importantly, the temporary payment shouldn't be what makes the house affordable.

Eventually, the actual note-rate payment shows up.

My preference?

Expect the best. Plan for the worst. Don't assume the best and ignore the math.

If rates fall? Fantastic. Let's look at refinancing.

If they don't? Could you still make the actual payment for 5, 10, or 15 years while saving, handling emergencies, and actually enjoying your life?

I've made my own impulsive purchase decisions too. I understand how powerful FOMO can be.

That's why I think our responsibility goes beyond getting someone to closing. Give people the information. Explain the tradeoffs. Let them make their own decision. And care about what happens after closing.

And to loosely borrow from Chris Rock...

What's a good mortgage?

One that lets you live your life. Do things. Go places. Buy stuff.

What's a bad mortgage?

One that only lets you pay your dang mortgage. 😂

09/21/2026

Every job and every position gives us opportunities to make a positive impact on other people.

And I think that should stay true whether you’re helping one person or 100. The number of people may change, but the responsibility to serve each person well doesn’t.

For me, I just happen to work in mortgages. 🏡 And when you’re helping someone navigate one of the biggest and often most stressful financial decisions of their life, I think there’s a pretty clear responsibility to use that position well.

That means educating people, being transparent about the tradeoffs, looking at the bigger financial picture, and helping someone make a decision that makes sense for them. Sometimes that means moving forward. Sometimes it means putting a plan together and waiting.

No pushy tactics. No selling FOMO. No overpromising. Just thoughtful guidance and a genuine effort to leave people better off than when the conversation started.

And if buying or refinancing does make sense for you, Wings Credit Union has extended our $1,000 lender credit toward closing costs through the end of 2026. If you’d like to talk through your situation, feel free to reach out. I’m always happy to start with a conversation.

09/17/2026

Pending home sales edged up 0.3% from July to August! 📈 While this month-over-month increase shows resilience, total contract volume remains down 4.7% year-over-year across the country.

For Colorado buyers and real estate professionals, staying ahead of these macroeconomic trends is vital. Local market dynamics sometimes tell a different story than national averages—strategy is everything right now.

That’s why programs like our Free Lock & Shop at Wings Credit Union are so important. You can secure your rate while you shop for the perfect Colorado home, giving you peace of mind in a shifting market. 🏔️🏡Let's connect to discuss how these national shifts impact our local market and how we can best position you or your clients for success!

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