Longs Peak Lending, Mortgage Brokers

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Colorado's Native Mortgage Experts

11/03/2026

First-time buyers, here's a question I wish more people asked before closing: what is the seller actually leaving behind? 🏡

Once your offer is accepted, ask your agent what's included with the home and what the seller plans to take. Don't assume the fridge, curtains, or garage shelving stay just because they're there during a showing. The contract and any agreed addenda should spell out what's included, so get those details in writing before closing.

If something matters to you, raise it early so your agent can clarify it with the seller. That conversation is far easier before closing than after you get the keys.

Save this for when you're under contract, and send it to a friend who's buying their first home.

Mike Ziegler · NMLS #2068764
Longs Peak Lending · NMLS #2421406
Not a commitment to lend. Subject to credit approval. Equal Housing Opportunity.

11/03/2026

Set it up once. Share it forever. ⚡️

1️⃣ Add your photo, logo and contact info
2️⃣ Pick a template + your colors
3️⃣ Share your custom link or QR code

Yours when we partner. DM me.

Mike Ziegler · NMLS #2068764
Longs Peak Lending · NMLS #2421406
Not a commitment to lend. Subject to credit approval. Equal Housing Opportunity.

11/03/2026

Mortgage rates held steady today, with the 30-year fixed at 7.24%, unchanged from last week.

It was a tug of war behind the scenes. Mortgage bonds, the investments that mortgage rates follow, were up as much as 13 basis points (hundredths of a percent) this morning as oil fell below $100 a barrel. Then a stronger-than-expected factory report (55.5 vs. 54.5 expected) and a $24 billion increase in the government's borrowing estimate pulled them back. They closed up just 1 basis point.

In everyday terms, the 30-year fixed is tied for its lowest level since September 23rd, and the 10-year Treasury at 4.905% is well below the 5.31% peak from early October. The 15-year fixed sits at 6.60%. But a day like today shows how quickly a morning gain can fade. This week brings a services report on Wednesday, midterm elections, and Friday's jobs report, all things the markets watch closely.

Questions about your situation? Send me a message.

Mike Ziegler · NMLS #2068764
Longs Peak Lending · NMLS #2421406
Not a commitment to lend. Subject to credit approval. Equal Housing Opportunity.

11/02/2026

Your seller might leave more than memories behind. Garden tools, a hose, an old couch, maybe a broken mower... and depending on how your agreement is written, some of it could become yours at closing.

First-time buyers often don't know this. Before closing day, walk the house and yard with your agent. List what you want to keep, and get everything else in writing. Your purchase agreement should spell out exactly what conveys.

Then ask the seller to remove the rest before the final walkthrough, or ask for a credit. Sorting this out now beats finding a dumpster in your driveway after you move in. 🏠

Save this for your next home search, and tell me in the comments if you've ever inherited someone else's junk!

Mike Ziegler · NMLS #2068764
Longs Peak Lending · NMLS #2421406
Not a commitment to lend. Subject to credit approval. Equal Housing Opportunity.

11/01/2026

Your home equity isn't cash you can use for your next down payment, at least not yet. It's locked in the house you still own until the sale closes. Sellers and lenders want to see money you actually have, so an offer built on a sale that hasn't happened yet can fall apart fast. Try working backward: subtract commissions, closing costs, and repairs from your expected sale price, then check when that cash will really be available. If the timing doesn't line up, you may need a bridge loan, a bigger reserve, or an offer that doesn't depend on selling first. Save this for your next move, and comment "timing" if you'd like a walkthrough for mapping out your move-up cash.

Mike Ziegler · NMLS #2068764
Longs Peak Lending · NMLS #2421406
Not a commitment to lend. Subject to credit approval. Equal Housing Opportunity.

10/31/2026

That low rate you're holding? Moving up could cost more than you expect. Going from a 3% loan to 7% on the same amount can raise principal and interest by about 60%, and a bigger loan for a bigger house can nearly double the payment. Before you fall for a home, run the new numbers: the loan amount you'd really need, today's rate, and the full monthly check, including taxes and insurance, which have been climbing. Your old payment isn't the benchmark anymore. The new one is. Save this before you start house hunting, and send it to a friend who's thinking about moving up. 🏡

Mike Ziegler · NMLS #2068764
Longs Peak Lending · NMLS #2421406
Not a commitment to lend. Subject to credit approval. Equal Housing Opportunity.

10/31/2026

Mortgage rates ended the week a little lower, with the 30-year fixed at 7.24%, down 0.08 from last week.

Rates follow mortgage bonds, the investments that home loans get bundled into. When more investors want those bonds, their prices go up and rates tend to ease. That's what happened this week. A selloff in tech stocks sent money toward safer places like bonds, which finished today up and had one of their better weeks of 2026.

In everyday terms, the 15-year fixed is at 6.60%, also down 0.08 from last week. Rates can change from day to day as news and economic reports come out, and next week has a full calendar of them, including the jobs report on Friday.

Questions about your situation? Send me a message.

Mike Ziegler · NMLS #2068764
Longs Peak Lending · NMLS #2421406
Not a commitment to lend. Subject to credit approval. Equal Housing Opportunity.

10/30/2026

Got a super low locked-in rate? Before you decide to stay put, run the number most people skip: the payment on the new home. Take the price of the house you'd buy, put it on a loan at today's rate, and compare that figure to what you pay now.

Don't stop at principal and interest. Add property taxes, homeowners insurance, and HOA dues. A bigger home in a higher-tax area can cost more every month, even at a similar rate.

Then be honest about staying too. Repairs and a layout that no longer fits your life are real costs.

Your cheap rate is a valuable asset. It just isn't the only thing to weigh. Save this before you run your own numbers, and send me a message if you want help walking through them.

Mike Ziegler · NMLS #2068764
Longs Peak Lending · NMLS #2421406
Not a commitment to lend. Subject to credit approval. Equal Housing Opportunity.

10/30/2026

There's no place like home, especially when it's filled with a little Halloween magic! 👻🏡 Wishing you a hauntingly happy Halloween filled with sweet treats, cozy moments, and just the right amount of spooky fun! 🎃

10/30/2026

Rates held steady this week: the average 30-year fixed is 7.32%, unchanged from last week.

Today was a surprising one. The economy looked strong, with growth at 3.4% annualized, and that kind of news usually pushes rates up. But tech stocks sold off hard, and investors moved money into bonds, the investments mortgage rates are tied to. When bonds gain, rates tend to ease. The 10-year Treasury yield closed at 4.934%, its lowest since September 22, though some of the day's gains faded before the close.

In everyday terms, rates are sitting in about the same place as a week ago. The 15-year fixed is 6.68%, the FHA 30-year is 7.04%, the VA 30-year is 6.92%, and the jumbo 30-year is 7.25%. Tomorrow morning brings a report on wage costs, one more number the market is watching.

Questions about your situation? Send me a message.

Mike Ziegler · NMLS #2068764
Longs Peak Lending · NMLS #2421406
Not a commitment to lend. Subject to credit approval. Equal Housing Opportunity.

Address

Denver, CO
80134

Telephone

+13038888884

Website

http://www.LongsPeakLending.com/

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