Jessica Kinsey, NMLS# 1969798

Jessica Kinsey, NMLS# 1969798 Visit https://mortgage.nationwidelicensingsystem.org/Pages/default.aspx for more information. Jessica Kinsey, Loan Originator, NMLS #1969798

What are the differences between a down payment and closing costs? Both are paid at the time of closing, but serve diffe...
03/28/2023

What are the differences between a down payment and closing costs? Both are paid at the time of closing, but serve different roles in a home purchase. It’s important to consider both your down payment amount and closing costs when budgeting and saving for your home purchase.
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Questions about today’s market or how to reach your homeownership goals? Artisan Home Loans is a local team with the expertise to help you navigate today’s competitive market and reach your homeownership goals.
Contact Artisan Home Loans today!

We are celebrating another seamless Jumbo closing! We helped our clients acquire jumbo financing on this gorgeous new bu...
03/26/2023

We are celebrating another seamless Jumbo closing! We helped our clients acquire jumbo financing on this gorgeous new build home in University Hills. Congratulations! And thank you for letting us be a part of your homeownership journey.
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Need a local expert? Look no further. Artisan Home Loans offers a variety of loan programs to provide homebuyers and homeowners with options tailored to their unique needs. Contact us today!

An asset depletion loan is a type of non-QM loan that allows a borrower to use their substantial assets, rather than inc...
03/25/2023

An asset depletion loan is a type of non-QM loan that allows a borrower to use their substantial assets, rather than income, as a means to qualify for the loan. Artisan Home Loans works with multiple investors who allow for non-traditional income sources. Often referred to as non-QM lenders, these investors help home buyers who cant meet the strict criteria of qualifying for a traditional mortgage.
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Curious if an Asset Depletion Loan could be a good fit for you?
Our team of Artisan Home Loans experts can break down the details and help guide your homeownership journey in the way that’s best-suited for your goals and specific situation. Contact Artisan Home Loans today!

According to the Federal Housing Finance Agency (FHFA) and as the graph highlights —the average interest rate for curren...
03/21/2023

According to the Federal Housing Finance Agency (FHFA) and as the graph highlights —the average interest rate for current homeowners with mortgages is less than 4%.
In contrast, the typical mortgage rate offered to today’s home buyers is over 6%.
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The resulting situation? Many homeowners are what’s called ‘Rate-Locked’ because they are choosing to stay put versus selling and moving to another home with a higher borrowing cost. When so many homeowners are rate locked and reluctant to sell, it’s a challenge for a housing market that needs more inventory. Lower inventory adds to the challenge, as many current homeowners and potential sellers are fearful of not finding something to buy...
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If you’re on the fence about selling or considering a home purchase, it’s important to consider all your options. Let’s discuss how to leverage today’s market challenges to your advantage. Artisan Home Loans is a local team with the expertise to help you navigate today’s changing market. Experience a wider range of innovative mortgage solutions and highly personalized service – right at home.

Celebrating another successful luxury closing! We helped our clients navigate the home financing process and win this cl...
03/19/2023

Celebrating another successful luxury closing!
We helped our clients navigate the home financing process and win this classic beauty in Washington Park! Congratulations — we wish you many happy years in your new home and thank you for letting us be a part of your homeownership journey.
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A better way to mortgage starts here.
Contact Artisan Home Loans today!

What’s in a name? Artisan Home Loans (formerly mhm lending) offers a wider variety of loan programs to provide borrowers...
03/17/2023

What’s in a name? Artisan Home Loans (formerly mhm lending) offers a wider variety of loan programs to provide borrowers with options tailored to their unique needs. Understanding the nuances of any loan type and matching that to each client situation takes the experience of an artisan and trusted professional.
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Experience a wider range of innovative mortgage solutions and highly personalized service — contact us today!

In February the Federal Housing Association (FHA) has dropped the Mortgage Insurance Premium (MIP) on all FHA loans by 3...
03/15/2023

In February the Federal Housing Association (FHA) has dropped the Mortgage Insurance Premium (MIP) on all FHA loans by 35%. MIP is required on all FHA loans to allow for more flexible qualification requirements.
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What this means for you? This adjustment helps make FHA loans more affordable for buyers by lowering monthly payments. In addition to aiding buyers who are looking to put 3.5% down this adjustment also is helpful to buyers interested in purchasing duplexes (i.e. House-hacking). Questions on the change or how to reach your homeownership goals? Contact us today.
Disclaimer: This material is not from HUD or FHA and the document is not approved by the Department of HUD or any Government Agency. HUD does not approve the material presented. This material/presentation is intended as educational and informational only. This does not constitute an offer to lend or to recommend available products. Artisan Home Loans is not endorsed by nor acting on behalf of or at the direction of the US Department of Housing and Urban Development, the Federal Housing Administration, the US Department of Agriculture, or the Federal Government.

Did you sell your home in 2022? Certain exclusions and tax deductions can amount to sizable savings. Always work with a ...
03/14/2023

Did you sell your home in 2022? Certain exclusions and tax deductions can amount to sizable savings. Always work with a tax professional to understand and maximize your options.
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Tax season pro-tip for all homeowners — always save receipts for costs associated with maintaining and improving your home. You may be able to add some expenses to your home’s cost basis to reduce capital gains when you sell.
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The IRS lists extensive details, exceptions, and requirements/exclusions about the tax rules that apply when you sell your home. Learn more - www.irs.gov/taxtopics/tc701
Disclaimer - This does not constitute tax advice. Borrowers should consult their own tax advisers regarding the tax consequences and deductibility of mortgage interest and/or property taxes. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

VA Jumbo loan success in Cherry Creek! We helped our clients secure jumbo financing and win their dream home by leveragi...
03/09/2023

VA Jumbo loan success in Cherry Creek! We helped our clients secure jumbo financing and win their dream home by leveraging a VA loan! Congratulations — we wish you all the best for your next chapter and thank you for letting us be a small part of your homeownership journey.
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Considering making a move or a home purchase? Artisan Home Loans is a local team with the expertise to help you navigate today’s market and reach your homeownership goals.
// Contact Artisan Home Loans today

Address

44 Cook Street, Ste 350
Denver, CO
80206

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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