Joey Hansen, Mortgage Loan Officer, NMLS 96996

Joey Hansen, Mortgage Loan Officer, NMLS 96996 Joey Hansen, NMLS # 96996 Choosing a Mortgage Professional is an important decision, and we're honored you're considering Group Mortgage, LLC.

Based out of Colorado but also licensed in Texas and North Carolina, Joey Hansen is eager to help you with your mortgage lending needs. With nearly 2 decades of experience, you can be confident that you’re partnering with a true professional.

Today I got the opportunity to step onto championship ice!The University of Denver is the reigning NCAA Division I Natio...
08/12/2026

Today I got the opportunity to step onto championship ice!

The University of Denver is the reigning NCAA Division I National Champions, and Huntington National Bank is proud to be a sponsor and the Official Bank of the DU Pioneers.

Truly an honor to be chosen to help paint the Huntington logo on the ice in preparation for the upcoming season. It was a unique behind-the-scenes experience and a great way to connect with colleagues across the bank within Colorado.

I was especially proud to represent the Mortgage team and be part of such a fun and memorable event. Looking forward to cheering on the Pioneers this season!

07/22/2026

Years ago, before I truly knew who Huntington Bank was, I lost a deal to them.

The client was a physician, and I remember looking at the loan structure thinking, “There’s no way that’s real.”

100% financing. No PMI. A competitive rate. Flexible treatment of student loan debt.

At the time, it felt too good to be true.

Fast forward some years, and now I’m on the inside at Huntington.

I can tell you it’s very real.

One of the things I’ve come to appreciate most is that our Physician Loan wasn’t built to fit doctors into traditional mortgage guidelines. It was built around the realities of their profession.

Years of education. Significant student loan debt. Strong earning potential. Limited time to save for a large down payment.

For physicians, residents, dentists, or veterinarians exploring homeownership, there may be options available that look very different from a traditional mortgage.

Funny how life works.

The lender that once beat me handily on a deal is now the one I’m representing.

This is the good stuff:The daughter of a past client just closed on her first home. She’s in her 20s, and was determined...
05/20/2026

This is the good stuff:

The daughter of a past client just closed on her first home. She’s in her 20s, and was determined to find something in her preferred price range, even though she qualified for a bit more.

She closed in a different state with a notary, and texted me a picture right after she finished signing, beaming and holding her closing documents. That picture will stay with me for a long time… it was beautiful.

She received lender credits for purchasing in a low-to-moderate income tract area, and a $2,500 grant from Fannie Mae due to her very-low income first-time homebuyer status. These helped her immensely.

It’s an adorable home, and she is as happy as can be. I am too.

03/25/2026

Should you pause your preapproval process when rates jump up? Should you stop gathering your documents together for a refinance? In short - no. Keep the momentum going, as interest rate volatility can go both ways and you want to be ready for the dip.

🇮🇪 Fun Fact: I am an Irish citizen. My grandfather was raised there, and I took the steps and became a citizen in 2009. ...
03/17/2026

🇮🇪 Fun Fact: I am an Irish citizen. My grandfather was raised there, and I took the steps and became a citizen in 2009.

On this St. Patrick’s Day, I looked up a few interesting differences between American mortgages and Irish mortgages:

☘️ Mortgage types: The 30-year fixed rate doesn’t exist in Ireland. Irish borrowers fix their rate for 3–10 years, then have to renegotiate. The product we treat as standard appears to be uniquely American.

☘️ Down payment options: Ireland requires a minimum 10% down. No FHA. No VA. No USDA. No 3.5% down for first-time buyers. No zero-down for veterans. The safety nets we’ve built into the American mortgage system don’t exist there.

☘️ Income-to-Loan, not Debt-to-Income: Ireland’s Central Bank legally caps borrowing at 4x your income. Full stop. In the U.S., we look at the full picture - credit, debt load, compensating factors. There’s room to work with.

Ireland learned hard lessons from their 2008 property crash and built a conservative system in response… very respectable. BUT - the American mortgage system (when used ethically and explained well) gives more people a real path to homeownership than almost anywhere else in the world.

Céad Míle Fáilte

03/02/2026

Believe it or not, the lowest interest rate isn’t always your best option. The total costs, your timeline for keeping that loan, and a variety of other factors all come into play. Chasing the lowest rate may not be your best strategy!

01/16/2026

What if paying off debt before getting a mortgage loan is not the best idea? There could be scenarios where it may not make sense, and could actually be hurtful.

In general, paying off debt is an excellent thing, but when getting preapproved for a mortgage, the smart choice is partnering with a knowledgeable loan officer who can help you look at your situation holistically, to ensure you’re optimizing your qualification.

01/09/2026

True story.

I recently helped a long-time self-employed S-corp owner who was told by another lender that he couldn’t qualify for the price range he wanted.

The reason?

That lender didn’t count his “compensation of officers” as income, cutting his qualifying income by more than 50%.

For S-corp owners, W-2 wages paid to the officer (and often K-1 income) can be used to qualify when they’re stable and supported by the business returns. (Line 7 of the 1120-S if you’re curious.)

This isn’t creative lending.
It’s simply knowing the guidelines.

And the other lender would not use that W2 income. Baffling to me.

Same borrower. Same tax returns. Very different result.

Not all pre-approvals are equal.
Who you work with can change everything.

11/27/2025

This season reminds us how much we have to be thankful for — especially the people and partnerships that make our work so meaningful.

Wishing you a happy Thanksgiving!

Joey Hansen, NMLS 96996. Group Mortgage Company NMLS #1170166 | Equal Housing Opportunity

Address

7239 N Academy Boulevard
Colorado Springs, CO
80920

Opening Hours

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

Telephone

+17196941207

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