Low Stress Jess Home Loans

Low Stress Jess Home Loans Specializing in Low Stress Home Loans across the USA. Every one of my clients is educated and feels confident throughout the process. Welcome! NMLS ID 1818094.

NMLS: 2263464 Xpert Home Lending NMLS: 2179191 I’m so glad that you have found me and that we are beginning to work together. I know it can be difficult to find a loan officer that you know, like, and trust. Here’s a bit about me to help you with all three of those pieces. I began my work in client services nearly 25 years ago as a counter service representative at McDonald’s. I have had a variety

of clients that I’ve served in those 25 years. I count myself lucky to have had the opportunity to serve others in multiple capacities and communities. At times, I’ve served as hospitality for rock stars and celebrities. I’ve served as a Personal and Executive Assistant to CEO’s. I’ve served our most vulnerable and marginalized populations with my Master’s degree in mental health. I’ve served in leadership of a grassroots volunteer organization in Korea. I’ve also served impoverished communities internationally throughout my life starting from a young age. And, of course I love to serve others as a“hospitalian” in my own home. Adjectives that have been used to describe me in my roles are, passionate, tenacious, caring, real, authentic, generous, driven, and dependable. The truth is, I feel the most purposeful in the service of others. My energy to help is endless. Today, my role is to serve my clients, and future clients, with a low stress mortgage that matches their goals now and for the next 30 years. Yes, you can call me “Low Stress Jess.” You can find me on instagram as well, where I offer many valuable tips to help homebuyers learn about the steps they need to take to be ready to buy. To produce a low stress mortgage that matches my clients goals I use an extremely comprehensive system of processes and communication. The system I use has been refined by the #1 Mortgage Company in the USA, Zenith Home Loans. I continue to serve my community through donations of time and funds to local nonprofits. Every client gets to choose a charity from my list to make a donation in honor of their closing. I also volunteer regularly as a foster mom and fundraiser for Big Bones Canine Rescue. I hold a board member role for Making an Impact Colorado. I’m a coordinator for The Kruse Foundation where I assist with planning and coordinating Christmas donations for children in the foster care system throughout the year. And, I’m a business sponsor for We Ride 4, a local cycling club that raises funds to support local children getting access to bicycles. When I’m not working, I’m hosting a Walk and Talk-o Meetup, being an Auntie, fostering dogs, hiking, cycling, kayaking, camping, sipping wines of consequence, searching and finding the best bites, traveling, walking, and planning memorable events. I hope this short introduction was helpful to building our working relationship. Just know that I’m a champion of your goals and I will work tirelessly on your behalf. Serving you brings me joy! Zenith Home Loans does Business in Accordance with Federal Fair Lending Laws. CO: Mortgage Company Registration 1818094. For state specific licensing, visit https://zenithhomeloans.com/national-licenses/

06/05/2026

TL;DR



🏠 Hey , here’s your week in rates — no stress, just the facts.

Think of the bond market like a mood ring for mortgage rates. When bonds are happy, rates go down. When bonds are stressed, rates go up.



This week, bonds had a lot of feelings.



War news mid-week pushed rates up. Then a peace announcement brought them right back down. But then Friday’s jobs report showed the economy added way more jobs than expected — and that spooked the bond market, sending rates higher to close the week.



Why does a strong job market hurt rates? Because lots of people working = people spending money = prices staying high = the Fed keeping borrowing costs elevated. It’s a chain reaction.



What this means for buying a home: Don’t wait for a big rate drop to happen on its own. The data isn’t pointing that way right now. If someone is wants to buy, locking in a fair purchase price sooner rather than later may be the smarter move. Then, refinancing.



Your money out of pocket is a percentage rate too. When it’s competitive in the housing market, you’ll need more out of pocket. Not a few thousand dollars, ten’s of thousands of dollars more.



Oh yeah! I have 0% down $0 Mortgage Insurance Doctor’s Loans! Who do you know that is a doctor and wants to buy a home? Please introduce us. The rates are totally reasonable.

Join me and  for this rare opportunity to see the only Rocky Mountain view in Lone Tree.  Imagine waking up with the pur...
05/31/2026

Join me and for this rare opportunity to see the only Rocky Mountain view in Lone Tree. Imagine waking up with the purple mountains every morning.

This is one happy surgeon! He’s so thrilled with the loan, rate, and process on his $1.075M purchase. 0% down! No PMI! W...
05/28/2026

This is one happy surgeon! He’s so thrilled with the loan, rate, and process on his $1.075M purchase. 0% down! No PMI! Who do you know that’s a doctor?

05/22/2026

Weekly Financial Tip
The Advice: Based on The Richest Man in Babylon, avoid investments you don’t fully understand (stocks, crypto, or housing).
Jess’s Approach: She prioritizes educating her borrowers by breaking complex mortgage details into digestible videos, visuals, and articles so they can make informed decisions.
Interest Rate & Market Update
Current Trend: Rates started the year in the high 5s/low 6s, peaked at the high 6s (the highest since July 2025), and have settled back into the mid-6s.
Market Drivers: * Geopolitics: Rumors of a peace agreement involving a Pakistani mediator are helping ease mortgage rates.
Inflation: The Consumer Price Index (CPI) is currently at 3.8%, which is still well above the Federal Reserve’s 2% target. War headlines are heavily impacting these inflation numbers.
Jobs: Labor data remains a major market mover to watch alongside inflation.
The Bottom Line Strategy
“Focus on getting a good deal on the home now, ensuring inspection items are covered to save money upfront, and plan to refinance when rates drop down the line.”

05/15/2026

📊 Financial Fridays with Low Stress Jess — TL;DR
💡 Money Tip Wealth is a tool, not the goal (The Richest Man in Babylon). Using your wealth with purpose — including giving back — is just as important as building it.
🏠 Rates This Week Mortgage rates are sitting in the mid-6% range for buyers with top-tier credit.
📈 Why Rates Aren’t Dropping Soon War spending = more US Treasury bonds = more competition against mortgage bonds = fewer investors buying mortgage bonds = rates stay elevated. Add rising inflation from government spending, and there’s not much downward pressure on rates right now.

✅ Two Ways to Win Right Now
Negotiate a great purchase price — buyers have more leverage today. Lower purchase prices equal lower principal balances and that generates less interest over the life of the loan.
Refinance later — when rates eventually drop, you win again!
Waiting till rates come down is risky because you may have to increase the purchase price (AKA the principal balance) to but the home because of the competition.

Bottom line: Don’t wait for perfect rates. Get the deal now, refinance when rates fall. Questions? Reach out to Low Stress Jess! 🙌

Realtors: Would you like mental health, mindset, and mortgage tips every Monday? Reply “Monday Email” to be part of my exclusive email list.

05/08/2026

TL;DR: Financial Fridays with Low Stress Jess
Big News: I have moved my business to Expert Home Lending, expanding my reach to help clients nationwide (not just in Colorado).
Financial Tip: Prioritize “Protecting your Principal.” Build a solid emergency fund and cash cushion for your family and business before shifting focus to aggressive growth.
Rate Update: Refinance rates saw a nice dip into the lower 6% range earlier this week, but have since leveled off.
Market Drivers: The latest jobs report indicates slowing job growth but it had little movement in the bond market; bond markets are currently being driven by headlines—specifically the uncertainty surrounding Iraninan peace discussions.
Strategy: Jess is offering a “Strike Rate” Refi service. You can submit your application now, and she will track the market to “strike” and lock in your rate the moment it hits your target.

04/24/2026

TL;DR
Financial tip (from The Richest Man in Babylon): homeownership gives stable shelter, peace of mind, and a platform to pursue opportunities.
Rates this week: relatively flat, sitting in the low 6% range.
Market drivers: little volatility; primary mover is the Iranian conflict.
Buyer outlook: still a buyer’s market — fair prices, sellers offering concessions (can be used to buy down rates), inspections yielding repairs, and good entry opportunities for first-time buyers.
Strategy: now is a strong time to buy with potential to refinance later. Contact me for numbers and details.

04/17/2026

Financial Friday’s with Low Stress Jess! Having a long-term perspective when making financial decisions leads to more consistency and greater wealth building. Short term mindsets lead to inconsistencies and lost opportunity. Rates this week went down slightly. We see a little bit of green on the mortgage bonds, which means that bonds went up. Likely due to talks of Strait of Hormutz ( a waterway that carries oil) being able to send more oil out. We’ll have to stay tuned to see what happens and if the Strait does open.

03/19/2026

Isn’t incredible how we can lift each other up? This review made my day, week, month. In my role, I do strive to level-up the profession and give more. I remember what it felt like to buy a home. And, I want more for my clients. To hear that it’s working, that my clients do feel the difference, gives me the biggest boost of energy. Changing the world in my own small way.

02/17/2026

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Denver, CO

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