Joe Stengel NMLS# 2098566 Loan Officer

01/08/2025

🌟 Maximize Your Mortgage Knowledge! 🌟

Hey first-time homebuyers! 🏡 Ready to dive into the world of mortgages but not sure where to start? We've got you covered with our "First-Time Homebuyer's Guide to Mortgage Approval"! 📘✨

🔍 What's Inside?
- Easy-to-understand tips on getting mortgage-ready
- Real client success stories to inspire your journey
- Expert insights to help you navigate the mortgage process

💡 Why You Should Care:
Understanding the mortgage process is key to securing your dream home. Whether you're just starting out or ready to make a move, our guide breaks it down step-by-step.

🌲 Join Our Community:
We're all about helping you achieve your homeownership dreams while embracing a lifestyle that values both financial success and personal well-being. Let's explore the path to your new home together!

👉 Stay Tuned:
Follow us for more tips, updates, and personal stories. Your dream home is just a few steps away!

08/05/2024

With Kris Rogers - Colorado Realtor – I just got recognized as one of their top fans! 🎉

07/31/2024

𝙸𝚗𝚏𝚕𝚊𝚝𝚒𝚘𝚗 𝙽𝚞𝚖𝚋𝚎𝚛𝚜 𝙲𝚘𝚘𝚕 𝚒𝚗 𝙹𝚞𝚗𝚎
Last week, the CPI saw a 0.1% decline from the previous month, bringing the 12-month rate to 3%—the lowest in over three years! This may lead to lower interest rates later this year.
🏦📉Highlights:
Core CPI: Up just 0.1% monthly, 3.3% annually—the smallest annual increase since April 2021.
Gasoline prices: Down 3.8%, offsetting increases in food and shelter prices.
Shelter inflation: Dropped to a 5.2% annual rate, still above pre-pandemic levels but a significant decrease from early 2023.
Economists are optimistic that the Federal Reserve might announce a rate cut in their September meeting, viewing the higher CPI numbers in early 2024 as just a "bump in the road."
🚀📊Stay tuned for more updates! 💼✨

07/30/2024

🏅 The Summer Olympics are back!
🎉 Get inspired with our latest blog featuring fun and creative ways to celebrate the Games. From watch parties and themed snacks to hosting your own backyard Olympics, there’s something for everyone. Dive into the Olympic spirit and create lasting memories with friends and family.
Read more: https://brev.is/YvLyB

07/24/2024

Is buying an investment property different from buying a primary residence? The answer is YES. There are many things you’ll want to consider—first and foremost, how to qualify.

We’ve got everything you need to know about financing your first investment property here: https://bit.ly/3Wid6vO

07/23/2024

While most buyers prefer modernized, move-in-ready homes, some bargain hunters are still willing to buy a fixer-upper. A new survey of around 1,000 Gen Zers in their 20s found that more than half of them were willing to consider an unmodernized home. However, around 27% of the respondents who had already bought one were rethinking their decisions. Would-be buyers need to keep renovation costs in mind, as well as the home's current functionality. Will they be able to move in after closing, or will they have to wait until after essential plumbing or electrical repairs are completed? If you're involved in the sale of an unmodernized home, here are areas that need a closer look: Roofs: Repairs can incur a significant cost, and earlier leaks may have caused more damage than you'll see during a walk-through. Plumbing: Any pipes installed before 1980 will need special attention, as older materials are more likely to leak. Electricity: Find out when the home's wiring was last updated. Older homes often lack safety features like ground fault circuit interrupters (GFCIs). The electrical panel, aka breaker box, can also provide clues about the home's safety. Walls: If you spot cracks in walls, uneven floors and sticking doors, there could be expensive foundation repairs in the buyer's future. Land: In addition to FEMA flood ratings, look for evidence of flooded basements or erosion. Some types of soil are less stable than others, which means that one heavy rain can cause an expensive, unwanted surprise.

07/17/2024

Excited to be ranked #13 Top VA Mortgage Lender by Scotsman Guide! A big thank you to our veterans, dedicated team, and loyal clients!

07/16/2024

🚀 Join Me for the Fundamental Financial Foundations Class! 🚀

Ready to take control of your finances? Join our class to learn about 401(k)s, savings, investing, Roth IRAs, and real estate!

📅[Thursday - August 1st
🕒 3:00PM - 4:00PM
📍 101 University BLVD Suite 450 Denver, CO 80206
🎟️ Event Bright Sign Up

Don't miss out on this chance to start your journey to financial freedom! See you there!

Understanding the importance of setting financial goals and creating a plan to achieve them.

07/16/2024

🌟 Attention Home Builders! 🌟
Are you sitting on unsold inventory? Let's talk!! 🏡✨