Stephanie Beutz- NMLS 501274 at Timberline Lending

03/20/2026

Unlock a 75 bps incentive on refinances now. Take advantage before it’s gone!

03/07/2026

12/25/2025

From my family to yours, wishing you a very merry Christmas!

12/05/2025

Thinking about buying a home? Winter’s actually a great time to start your search—there’s usually less competition! Want to get ahead of the crowd? Let’s chat about getting you pre-approved. Call me anytime!

12/01/2025

Real estate agents, I could get your buyers a faster, cheaper, easier mortgage. Let’s partner up!

11/27/2025

Feeling extra thankful today for good friends, delicious food, and a cozy place to call home. Wishing everyone a Happy Thanksgiving! 🧡🍂

11/24/2025

FHA Loans: Low down payment (3.5%), easier credit requirements—perfect for first-time buyers, but mortgage insurance is required.

Conventional Loans: Higher credit score and down payment needed, but skip mortgage insurance with 20% down and enjoy flexible terms.

Bottom line: FHA = accessibility, Conventional = flexibility & savings (if you qualify). Not sure which fits you best? Let’s chat! 🏡✨

11/21/2025

Thinking about buying your first home but not sure where to start? No worries! As your mortgage broker, I’ll walk you through the whole process and make it easy. Let’s make your home-buying journey a breeze together! 🏡✨

10/27/2025

**Lower Payments Upfront:** The lender or seller pays a lump sum at closing to temporarily reduce your interest rate. For example, in a “2-1 buydown,” your rate is 2% lower the first year, 1% lower the second year, and then returns to the full rate for the rest of the loan.

**Eases Transition:** This means your initial payments are more affordable, giving you time to settle in or adjust financially.

**Not Permanent:** After the buydown period, your rate and payments go up to the original loan terms.

It’s a great way to make homeownership more accessible in those crucial first years! Ready to see if this is the right fit for you? Let’s chat!

10/25/2025

Don’t get spooked by the mortgage process! 🏡👻 Call me today and I’ll help you find the best loan and down payment options tailored to your unique situation. Let’s take the fear out of home buying—together!

10/24/2025

🏡✨ **New Townhomes in Arvada-Candelas!**

Yesterday I stopped by the **TriPointe Homes** grand opening and fall festival — and wow, what a beautiful community! 🍂 Their **townhomes in the Arvada-Candelas area** are a fantastic option for anyone looking for modern design, low-maintenance living, and access to amazing **trails, pools, and neighborhood amenities.**

If you’d like to tour these homes, reach out to **Marlena Safarian** for a showing — she’s wonderful to work with! 🙌

And when you’re ready to make one yours, I’d love to help you get **pre-approved** so you can buy with confidence. 💪

📩 Send me a message and let’s get started on making your home goals happen!