The Homebuying Mentor

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Glendale, CO
The Homebuying Mentor

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Senior Loan Officer, NMLS #785922

🏠 The Homebuying Mentor
💰 Mortgage & Insurance Broker
👩‍👧‍👦 Mother of 3
📊 25 Years Helping Families and Single Parents Build Wealth Through Homeownership
Investor Friendly
DSCR loans in 48 states
FL & CO
NMLS 785922

10/13/2026

Grateful I was able to help this wonderful, young family obtain financing to buy their first home. We paired a down payment assistance program (CHAC) with an FHA loan, they only needed to bring 1% to closing. They also received 25k seller concessions to buy their rate down to the mid 4’s. 🫶🏼My Denver Mortgage Company

In addition, I was able to shop their homeowners and auto insurance to ensure they received the best premium and coverage available! Aspen Shield Insurance

If you’re thinking about buying your first home, let’s talk about your options. Contact me and I’ll walk you through the process to ensure smooth, informative closing. 🙏🏼

10/08/2026

There’s truly no better feeling than hearing kind words from the people I’ve had the privilege of helping. 🤍

To every family who has trusted me to be part of their home-buying journey — thank you. Helping you find a place to call home is more than a transaction; it’s a relationship and a moment I’m honored to be part of. 🙏🏼

And to the amazing realtors I have the opportunity to work alongside, thank you for your trust, collaboration, and continued partnership. I’m so grateful for each referral and every opportunity to help make the home-buying process a little smoother for your clients. 🫶🏼

Seeing these testimonials and knowing that I’ve made a difference is, without a doubt, my favorite part of what I do. 🏡

Thank you for trusting me, recommending me, and allowing me to do what I love every day. Your kind words mean more than you know. ❤️

Here’s to many more families finding their perfect place to call home! 🥂🏡

10/04/2026

🗣️STOP WAITING FOR THE “PERFECT” INTEREST RATE.

Here’s the conversation more homebuyers need to have right now:

Would you rather buy a home *today at a lower purchase price with seller concessions— potentially using those concessions toward closing costs, a rate buydown, or other expenses…

OR wait for a potentially lower interest rate, only to find yourself buying that same type of home at a *higher price with little or no seller concessions?

Because a lower interest rate does NOT automatically mean you’re getting the better deal.

Let’s say you wait for rates to improve. If competition increases and home prices rise, you could potentially give up thousands in purchase-price savings and negotiating power just to get a lower rate.

Meanwhile, today’s market may give buyers something incredibly valuable: LEVERAGE!

More negotiating room.
Seller-paid closing costs.
Rate buydown opportunities.
Inspection or repair negotiations.
And potentially a lower purchase price.

The smartest strategy isn’t necessarily wait for rates to drop.

It’s Let’s run the numbers on the entire transaction.

That applies whether you’re buying in Florida or Colorado.

🏡 Don’t just ask, “What’s the interest rate?”

Ask:
**What’s my purchase price?**
**What are my closing costs?**
**What concessions can I negotiate?**
**What will my monthly payment be?**
**What will I actually pay over time?**

The lowest rate isn’t always the lowest-cost opportunity.

Buy the numbers — not the headline!

Realtors: Are you having this conversation with your buyers?

10/01/2026

Kind CHIC period. …The last slide though! 🥰🩷

Are you on the fence whether you want to buy or keep renting! Let’s talk about it!
What if the seller gives you 25K to buy the rate down or for updates? What if you can buy before you sell then stage a vacant home with a GUARANTEEED sale? What if you can buy a home with as little as $1000 down?
Everyone needs housing! Let’s make it work in YOUR favor!

Contact me today. I specialize in Florida and Colorado markets but I do investment/commercial loans across the country.

09/30/2026

Self-employed and showing lower or limited income on your tax returns? 👀

That doesn’t automatically mean you can’t buy a home!

If you’re a business owner, 1099 worker, freelancer, or self-employed professional, there may be financing options designed to look at your income differently.

🏦 Bank Statement Loans— qualifying income may be based on eligible bank deposits instead of traditional tax-return income.

📊 P&L Loans— certain programs allow a profit & loss statement to help document your income.

💼 Alternative Income Options— depending on the program and your financial profile, there may be ways to qualify when your tax returns don’t show the full picture of your cash flow.

So if you’ve been told, “Your income is too low on your tax returns,” don’t assume your dream of homeownership is over.

There may be an option worth exploring. 🏡

📍Helping homebuyers in Florida & Colorado

DM me SELF-EMPLOYED and let’s see what financing options may fit your situation.

09/24/2026

God went crazy when he painted you…. ❤️

09/17/2026

🤩What if you could BUY your next home… BEFORE you sold the one you’re living in?

🗣️ Homeowners — what if you didn’t have to sell first?
Our Buy Before You Sell program can help you unlock your home equity and move into your next home BEFORE your current one sells.

✨ 0% interest
✨ No principle payment on the bridge loan
✨ Make a non-contingent offer
✨ Unlock DTI by EXCLUDING your mortgage payment
✨ Up to 85% combined loan to value on cash-out

💰Realtors — your client will have you locked in as the listing agent through until the sale goes through! And the client can include estimates of repair and staging in the bridge loan preparing for you to sell their vacant home.

Florida + Colorado | Homebuyers + Realtors

BUY BEFORE YOU SELL

More options. Less stress.

Chelsey Laine | Co-Owner, Sr. Loan Officer
📲 720-425-8526
📧 [email protected]
IG: Chelsey Laine ⭐️⭐️⭐️⭐️⭐️ Mortgage & Insurance Expert

DM me “BUY” to see if this strategy could work for you — or “REALTOR” if you want to learn how to use it with your clients.

09/17/2026

🚨 COLORADO HOME BUYERS — DON’T MAKE THIS MISTAKE!🏡

Before you get UNDER CONTRACT, get your homeowners insurance quote!

Why? Because your insurance premium can impact your monthly payment, closing costs, and overall home-buying budget. Knowing the numbers BEFORE you make an offer can help you avoid surprises later.

And here’s where I can help. 👇

I’m both a Mortgage Broker AND Insurance Broker, so I can help you with your mortgage + homeowners insurance all in one place.

✅ Shop multiple insurance options
✅ Compare rates & coverage
✅ Help you understand the numbers
✅ Make sure insurance is part of the conversation BEFORE you’re under contract

🏡 Homebuyers: Send me the property address before you make an offer!

🤝 Realtors: Save this post and send it to your buyers. Getting an insurance quote early can help them make a more informed decision and avoid last minute headaches!

Don’t wait until you’re under contract to find out what your insurance will cost!

09/16/2026

🛑Stop trading your weekends for operational chaos

💰When you scale your real estate portfolio—especially nationwide—you can’t afford to be reactive. True passive income only happens when your property management operations run on autopilot.

Investors, realtors & property managers- Go sign up with Vekser to handle your property management. Whether you want more marketing exposure, help with tours or maintenance… all the way to renovation and development.

‼️ Follow this link and use the code CHELSE8064 for 5% OFF

https://partner.clevertone.com/r/646nb

06/08/2026

✨✨Realtors please share🫶🏼

I’m happy to be able to offer my qualified buyers a free 1% one year rate by down and I’m also giving an appraisal credit. Loans need to be locked by June 30 to qualify.

This allows the flexibility of a lower payment in the first year. Reach out for a quote and/or more information. ✨🥳

Both FL & CO 📍

Address

Glendale, CO

Telephone

+17204258526

Website

http://www.mydenvermtg.com/cbrown, http://www.premiercoastallending.com/cbrown, http://www.thehomebuyingmentor.com/, htt

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Fox Valley Mutual Mortgage Inc
2942 Evergreen Parkway suite 425, Evergreen CO, Denver

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The Homebuying Mentor

10/13/2026

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10/04/2026

10/01/2026

09/30/2026

09/24/2026

09/17/2026

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