Jolene's Home Loans

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Jolene's Home Loans I’m a Mortgage Advisor, home-loan matchmaker, and your go-to person when it comes to making sense of the mortgage world.

Mortgage Advisor NMLS # 2026262
Branch Manager NMLS # 2817933
Provides top notch services:
• Residential, investment, and commercial real estate
• Refinances
● Collaborate with sales agents, financial planners, and accountants to attract clients I work with all types of homebuyers and offer a wide range of mortgage programs across multiple states. Whether you’re buying your first home, moving into your next chapter, refinancing, or investing in real estate, I’m here to help you understand your options and feel confident every step of the way. I believe mortgages don’t have to be intimidating or complicated. My goal is to make the process feel personal, transparent, and even a little fun. At the end of the day, I’m not just here to help you get a loan — I’m here to help you get home. 🔑🤍

If you bought in 2023 or 2024 — this one's for you. 💜No shame in that rate. You bought a home in a weird market, and tha...
09/30/2026

If you bought in 2023 or 2024 — this one's for you. 💜

No shame in that rate. You bought a home in a weird market, and that was still a win.

But there IS a smart next step, and it isn't "just wait for rates to drop":

✅ Ask what today's range looks like next to your rate
✅ Run an honest break-even (not a teaser one)
✅ Get a clear "not yet" if the math says so

You deserve real numbers, not a sales pitch.

DM me the word REVIEW and I'll take a quiet look at your numbers — clear answer either way.

Jolene Marie Beavers | NMLS #2026262 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150 Chandler, AZ 85286 | CO | IL MB.6761630 view reinvestment notice barrettfinancial.com/Illinois-reinvestment | ND MB103863 | SC MLS – 181106 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Let's do the actual math — no pressure, just numbers.Closing costs ÷ monthly savings = your break-even point.That's it. ...
09/29/2026

Let's do the actual math — no pressure, just numbers.

Closing costs ÷ monthly savings = your break-even point.

That's it. That's the whole equation. If your break-even lands well before you'd sell or move, refinancing may be worth a conversation. If it doesn't? That's your answer too — and I'll be the first to tell you not to do it.

DM me your two numbers and I'll do the math with you. No strings.

Jolene Marie Beavers | NMLS #2026262 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150 Chandler, AZ 85286 | CO | IL MB.6761630 view reinvestment notice barrettfinancial.com/Illinois-reinvestment | ND MB103863 | SC MLS – 181106 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

09/28/2026

Refinancing is not automatically a win — and I say that as someone who helps people refinance for a living 💜

Four quick questions I walk through with every client before we touch a single number:

1️⃣ What's your current rate — and how close is today's range?
2️⃣ What will closing costs actually run you?
3️⃣ How much longer do you see yourself in this home?
4️⃣ What's the real goal — a lower payment, a shorter term, or cash in hand?

Sometimes the answer is refinance. Sometimes staying put is the smartest move you can make — and I'll happily tell you that too.

💬 Comment CHECK and I'll send you the worksheet I use to walk through all four.

Jolene Marie Beavers | NMLS #2026262 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150 Chandler, AZ 85286 | CO | IL MB.6761630 view reinvestment notice barrettfinancial.com/Illinois-reinvestment | ND MB103863 | SC MLS – 181106 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Refinancing is not automatically a win — and I say that as someone who helps people refinance for a living 💜Four quick q...
09/28/2026

Refinancing is not automatically a win — and I say that as someone who helps people refinance for a living 💜

Four quick questions I walk through with every client before we touch a single number:

1️⃣ What's your current rate — and how close is today's range?
2️⃣ What will closing costs actually run you?
3️⃣ How much longer do you see yourself in this home?
4️⃣ What's the real goal — a lower payment, a shorter term, or cash in hand?

Sometimes the answer is refinance. Sometimes staying put is the smartest move you can make — and I'll happily tell you that too.

💬 Comment CHECK and I'll send you the worksheet I use to walk through all four.

Jolene Marie Beavers | NMLS #2026262 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150 Chandler, AZ 85286 | CO | IL MB.6761630 view reinvestment notice barrettfinancial.com/Illinois-reinvestment | ND MB103863 | SC MLS – 181106 | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Your RV called… it found its new house. 🚐🏡😂🏡 Wait… a 3-car garage, RV parking AND a hot tub?! 👀This Littleton ranch has ...
09/22/2026

Your RV called… it found its new house. 🚐🏡😂

🏡 Wait… a 3-car garage, RV parking AND a hot tub?! 👀

This Littleton ranch has a lot packed into one property — and buyers may have an opportunity for a little help on the financing side too. 💰🔑

📍 **4629 S Quail Street | Littleton, CO 80127**
💲 **$599,900**
🛏️ 3 Bedrooms
🛁 2 Bathrooms
📐 1,358 Sq. Ft.
🚗 **3-Car Attached Garage**
🚐 Bonus driveway with room for an **RV AND boat**
🌳 Private, landscaped backyard
♨️ Hot tub
🔥 Wood-burning fireplace
✨ Remodeled bathrooms
🏠 Newer roof + downspouts
☀️ Transferable solar lease
🙌 **NO HOA**

And location? About **10 minutes from Morrison & Red Rocks**. 🎶⛰️

# # # 💰 PLUS — LENDER CREDITS MAY BE AVAILABLE!

I have financing options where **qualified buyers may be eligible for lender credits to help with eligible closing costs.** That could mean keeping a little more money in your pocket at closing. 🙌

Not sure what your payment would look like? **Send me a message with “QUAIL”** and I’ll happily run the numbers, go over financing options, and see what lender credits may be available for *you* — no pressure.

🏡 **See the house here:**
https://www.zillow.com/homedetails/4629-S-Quail-St-Littleton-CO-80127/13810561_zpid/

📲 Jolene Marie Beavers
Mortgage Broker | NMLS #2026262
Barrett Financial Group, L.L.C. | NMLS #181106
📞 303-356-1033

*I am promoting financing opportunities for this property and am not the listing agent. I am not a realtor. Lender credits are subject to loan program, borrower qualifications, rate/pricing selection and market conditions. This is not a commitment to lend. All loans are subject to credit approval.*

Out and about showing our 1st responders some love today 🚒 🚔
09/07/2026

Out and about showing our 1st responders some love today 🚒 🚔

🚨 Mortgage Tip You Might Not Be Hearing Enough! 🚨 Don’t automatically write off an ARM! 👀With interest rates still highe...
08/17/2026

🚨 Mortgage Tip You Might Not Be Hearing Enough! 🚨

Don’t automatically write off an ARM! 👀

With interest rates still higher than many homeowners would like, an Adjustable-Rate Mortgage (ARM) could be a smart option to consider—especially if you’re trying to avoid paying thousands in discount points just to get a lower rate.

Here’s a real example priced out this morning 👇

A buyer wanted a 6% interest rate:

🏠 30-Year Fixed at 6%
💸 About $8,000 in discount points in this particular scenario

🔄 Conventional 5/6 ARM at 6%
💸 About $1,300 in discount points

That’s a $6,700 difference upfront! 😳

And yes—the exact pricing varies based on things like loan amount, credit score, property type, and other factors. This is simply an example of how dramatically the cost can differ depending on the loan program.

So what does a 5/6 ARM actually mean?

➡️ Your rate is fixed for the first 5 years.
➡️ After that, the rate can adjust every 6 months based on the terms of the loan and market conditions.
➡️ And if rates improve—or you simply decide another loan makes more sense—you can potentially refinance at that time, assuming you qualify and refinancing makes financial sense.

ARMs aren't automatically scary.
Sometimes they can be a really useful tool when you're navigating a higher-rate environment.

And personally? If I were in this particular scenario, I'd probably be looking at another ARM too.

The biggest takeaway: DON’T assume the first loan option you see is your only option. Different loan programs can have VERY different costs.

📍 I'm currently licensed in Colorado, North Dakota, Illinois & South Carolina. I partner with a gal who is licensed in Massachusetts, and Tennessee. I work with a network of amazing loan professionals across the country.

Know someone buying or refinancing anywhere in the U.S.? Send them my way! 😉 If I’m not licensed in their state, I can get licensed quickly or help connect them with someone who is.

💬 Want me to run the numbers for YOUR situation? Send me a message and let's see what options make sense for you!

Hey! 👋 Rates are definitely worth looking at right now, especially if you’re considering a refinance! They vary based on...
08/12/2026

Hey! 👋 Rates are definitely worth looking at right now, especially if you’re considering a refinance! They vary based on your specific situation, depending on the loan type, credit, equity, and overall financial profile but I’d be happy to run the numbers and see if it makes sense for you. Shoot me a message or give me a call and let’s take a look! 🏡

Comment "Peek at my payment"

🏡 Still renting? Your path to homeownership may be closer than you think! ✨🔑You don't need perfect credit, a huge down p...
07/30/2026

🏡 Still renting? Your path to homeownership may be closer than you think! ✨🔑

You don't need perfect credit, a huge down payment, or years of rental history to become a homeowner.

This program was created to help more families achieve the dream of owning a home—even when traditional financing isn't the right fit.

✔️ Up to 96.5% financing available for qualified buyers
✔️ Flexible credit guidelines
✔️ Options for self-employed & gig workers
✔️ First-time homebuyers welcome
✔️ ITIN borrowers may qualify
✔️ Limited waiting period after bankruptcy (eligibility applies)

💜 Every situation is unique, and I'd love to help you explore your options.

📩 Comment "HOME" below or send me a DM for a confidential consultation. Let's see what's possible!

📞 303-356-1033
📧 [email protected]

Jolene Beavers
Mortgage Advisor | NMLS #2026262

Buying a home is a one-of-a-kind experience, and a mortgage broker like me is perfectly suited to help! Reach out today ...
07/28/2026

Buying a home is a one-of-a-kind experience, and a mortgage broker like me is perfectly suited to help! Reach out today and discover how you could get a mortgage customized for your needs!

Address

Denver, CO

Telephone

+13033561033

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