Pyper Lund Mortgages, NMLS# 389794

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Denver, CO
Pyper Lund Mortgages, NMLS# 389794

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Colorado mortgage strategist helping buyers, veterans & self-employed borrowers get clear on their options, without pressure.
20+ years on complex loans.

Licensed statewide.
📞 Call or text: 303-249-0369 NMLS #389794 | Ease Mortgage LLC #2273319 Pyper Lund, Loan Originator, NMLS #389794
Equal Housing Lender NMLS: #2273319

10/29/2026

Thinking about buying or selling a home in Denver? September's numbers may surprise you.

The housing market has slowed down, but that doesn't mean nothing is selling!

Here's what happened in September:

🏡 2,849 homes sold. That's 21% fewer than last year.

🏡 13,567 homes were for sale. Buyers have more homes to choose from.

🏡 Homes took about 32 days to sell. That means buyers have a little more time to make a choice.

🏡 Sellers got about 98% of their asking price. So homes are still selling close to what sellers are asking.

So what does this mean for YOU?

If you're buying: You may have more room to ask for a better deal. Some sellers may even help pay costs that could lower your mortgage rate.

If you're selling: Your price matters! Buyers have more choices, so pricing your home right from the start is key.

And here's something I want you to remember.

You don't have to wait for the market to be perfect to make a move. You just need to know what works for you.

Thinking about buying or selling? Send me a message. Let's look at your numbers and make a plan that makes sense for you.

10/21/2026

Just ghosting bad mortgage advice this fall. 👻

If you’ve been haunting Zillow but avoiding talking to a lender because rates are high, you don’t have 20% down, or your credit isn’t perfect, we need to talk.

Those things might not be as scary as you think. 😂

DM me “BOO” and let’s look at your numbers to see what it would take to get you into a home.

10/13/2026

Watch these numbers instead 👇

If you’re checking mortgage rates every week waiting for them to finally hit a number that makes you feel comfortable buying, I want you to look at this differently.

Yes, the rate matters. But it’s not the only thing determining whether a home works for your budget.

Here are the 3 things I’d focus on:
1. Your comfortable monthly payment.
Not the maximum you can qualify for. What can you realistically spend on housing every month and still feel good about your budget?
2. The right loan structure.
I wouldn’t automatically default to one loan program. Your loan type, down payment and how we structure the financing can change your numbers.
3. Opportunities to lower the payment.
If seller credits are available, we can look at whether using them toward a rate buydown makes sense for you.

Now you’re not sitting around waiting for some magical rate.

You know the payment you need and what options we have to try to get you there.

If you want to know what that looks like with your numbers, that’s exactly what I can help you figure out.

DM me “PAYMENT” and let’s find the monthly number that makes sense for you.

10/11/2026

Just looking. 👀

No plans to move.

Definitely not calculating what the payment would be.

And absolutely did NOT send your spouse the listing with “okay but hear me out…”

We all believe you. 😂

Send this to the person you’re “not moving” with.

10/07/2026

Let’s talk payment ⬇️⬇️

If you’re watching mortgage rates every day waiting for a number that finally makes buying feel affordable, I want you to look at this differently.

Because I care a lot less about getting you some magical rate and a lot more about getting you a monthly payment that works in your real life.

Here are the 3 things I’d look at first:
1. Your comfortable monthly payment.
Not the maximum you could qualify for. What can you realistically spend every month and still have room to live your life?
2. Your price + down payment.
Once we know your comfortable payment, we can work backward and see what home price and down payment make sense.
3. Ways to lower the payment.
This is where we look at things like seller credits and rate buydowns to see if there’s a strategy that gets the payment closer to where you need it.

Your rate matters. But it’s only one piece of the payment you’ll make every month.

DM me “PAYMENT” and I’ll help you figure out what buying could realistically look like within your monthly budget.

10/06/2026

Don’t count yourself out 👇

If you’re self-employed, you may be looking at your tax returns and thinking, There’s no way a lender is going to approve me.

Especially if you take a lot of business write-offs.

But I don’t want you deciding whether you qualify before we’ve looked at the whole picture.

Here are the first 3 things I’m checking:
1. What income can we actually use?
I’m looking at your tax returns, business income and how long you’ve been self-employed to understand what your qualifying income may look like.
2. How are your write-offs affecting you?
Write-offs can impact the income used to qualify. I want to understand what’s happening on your returns instead of making assumptions based on one number.
3. Are we looking at the right type of loan?
A traditional mortgage isn’t the only option. Depending on your situation, we may need to look at other options, including bank statement loans.

The point isn’t that every self-employed buyer will qualify.

It’s that “I’m self-employed, so I probably won’t qualify” isn’t enough information to know.

If you’re wondering what a lender would see when they look at your income, that’s a conversation I’m happy to have.

Comment “INCOME” and I’ll help you figure out what documents we should look at and which mortgage options may fit your situation.

10/05/2026

The two numbers making you think you can’t buy might not be the numbers we need to change.

A lot of first-time buyers look at the monthly payment, look at what they have saved, and assume they’re out.

But those aren’t always fixed numbers.

You may have loan options that allow for a much smaller down payment. And if we can negotiate seller credits, we may be able to use those dollars toward a rate buydown instead of simply asking for money off the price.

That can change what buying looks like without waiting years to save more.

If the payment AND down payment are what have you worried, DM me “NUMBERS.” I’ll show you what options we could look at.

10/01/2026

You keep telling yourself, “I’ll buy when rates come down.”

I get why that feels like the safe move.

But here's the problem: you don't know what rate you need to make buying work because you haven't figured out your numbers yet.

Maybe today's payment is too high.
Maybe it isn't.

Maybe there's a price point where you'd feel completely comfortable.

You won't know by watching mortgage rates every week.

Start with the payment you'd be comfortable making each month.

Then we can work backward and figure out what that means for your home price, down payment and loan options.

If you've been waiting on rates before doing anything else, DM me “RATE.” Let's figure out what number you're really waiting for.

09/23/2026

The rate matters. But without the rest of your numbers, it doesn’t tell you much.

Your credit, down payment, loan type, taxes, insurance and even seller credits can all change what your monthly payment looks like.

So instead of asking, “What’s today’s rate?”

Ask, “What would buying look like for me?”

That’s the conversation worth having.

Thinking about buying? DM me “PLAN” and let’s figure out your numbers.

09/10/2026

Something is happening in the Denver housing market that buyers should be paying attention to.

The market got noticeably quieter in August.

There were fewer home sales than this time last year.

Homes took longer to sell than they did in July.

And there are still more than 13,000 homes for sale across Metro Denver.

But here’s the part I want buyers to understand:

Home prices are still holding pretty steady.

So this isn’t a story about prices suddenly dropping.

It’s a story about competition changing.

There are fewer buyers making moves right now, while there are still a lot of homes to choose from.

And that can put you in a very different position when you find the right one.

More time to make a decision.

More room to negotiate.

More chances to ask for things like seller credits.

And less pressure to make an offer just because you’re afraid someone else will beat you to it.

August is usually a slower month. Kids go back to school, summer wraps up and people get back into their routines.

But if you’ve been waiting for the Denver market to feel a little less crazy...

This is what that looks like.

It doesn’t mean you should rush out and buy a house.

But it DOES mean it may be worth taking another look at what’s possible right now.

If this has you wondering whether now might be worth a second look, reach out. I’m happy to run the numbers with you and show you what buying could look like right now.

Address

Denver, CO

Telephone

+13032490369

Website

http://www.pyperlund.info/

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