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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 5pm

Candice Freeman, NMLS #180863

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United States
Grand Junction, CO
Candice Freeman, NMLS #180863

Candice Freeman, MLO NMLS #180863

• - NMLS # 180863
• - CO: License #: 100510967
• - dba Universal Lending Home Loans, Lower LLC, NMLS #1124061
• - Link to Licensing Statement: https://www.ulc.com/LicensingStatement.html
• - Link to Consumer Access: http://www.nmlsconsumeraccess.org/
• - Equal Housing Opportunity

10/07/2025

Cooler weather is here, and it's time make sure your home is ready for the season ahead! Here are a few must-do tasks before winter:

🔧 Clean Gutters & Downspouts – Prevent clogs and protect your roof from water damage.
🍁 Rake Leaves & Trim Trees – Keep your yard tidy and branches clear of your roof.
🔥 Service Your Furnace – Schedule a tune-up to ensure your heating system is ready for winter.
🪟 Check Windows & Doors – Seal gaps to keep the cold out and save on energy costs.
🏡 Inspect Roof & Siding – Look for damage and make repairs before winter storms hit.
💡 Test Smoke & Carbon Monoxide Detectors – Safety first as we head into heating season.

✨ A little effort now keeps your home cozy, efficient, and ready for the holidays.

09/29/2025

Is Now the Time to Refinance?

We've seen some recent improvement in interest rates, and that could mean more money back in your pocket every month.

Here’s what a smart refinance could do for you:

📉 Lower Your Monthly Payment: Free up cash for savings, travel, or other investments.
⏳ Pay Off Your Loan Sooner: Shorten your term and build equity faster.
💳 Consolidate Debt: Roll high-interest debt into one manageable payment.

✨ Even a small drop in your rate could save you thousands on interest over the life of your loan

Let’s take a fresh look at your mortgage and see if refinancing makes sense for your goals!

09/22/2025

The air is crisp, the leaves are turning, and pumpkin spice season has officially arrived! ✨ Whether you’re cozying up at home or planning your next big move, this season is all about fresh starts and warm, welcoming spaces. 🏡💛

What’s your favorite part about fall? Tell us below! 👇

09/10/2025

We see homeownership as a tool to create generational impact. It’s about giving more people the ability to plant roots, build security, and open doors for the future they’ve always dreamed of. 🏡🧡

09/02/2025

Getting pre-approved is the first real step toward homeownership, but your checklist will look a little different depending on how you're paid.

Here’s a quick guide to what you’ll need to get started:
📁W-2 Borrowers: Last 2 years of W-2s, most recent 30 days of pay stubs, most recent 2 months of bank statements and your driver’s license
📁Self-Employed Borrowers: Last 2 years of personal and business tax returns, Last 2 years of 1099’s (if any), most recent 2 months of bank statements and your driver’s license

Being prepared helps us move faster, and with confidence. Have questions? Schedule a free mortgage consultation. 😊

08/26/2025

Your dream home, your rules!🏡 Which one would you add?

🛍️ A closet you could get lost in

🌱 A garden for fresh blooms & veggies

💪 A home gym to crush those goals

🏊 A backyard pool for endless summer fun

Drop your pick in the comments👇

08/21/2025

🍂🏡 Thinking about moving this fall? The clock is ticking, but with the right plan, your dream home could be yours before the leaves change.

From getting pre-approved to turning the key in your new front door, here’s your simple 5-step roadmap to make it happen.

Because when you plan ahead, fall isn’t just for pumpkin spice…it’s for starting your next chapter in a home you love.🧡

08/15/2025

A new school year brings fresh starts, new friendships, and opportunities to grow. To every student walking into class with a mix of excitement and nerves...remember, you are capable of amazing things. To the teachers guiding and inspiring each day, thank you for the difference you make. And to the parents, you’re doing great, this journey is yours, too. Here’s to a year full of learning, courage, and unforgettable moments 📚🍎

08/12/2025

What a fantastic event! From Kendra Cooke’s powerhouse keynote packed with actionable business strategies, to the amazing energy at Ace Eat Serve, our event was all about connection, learning, and having fun together while we grow!

We’re so grateful to our incredible real estate partners and our generous sponsors who joined us to make it memorable.

Amazing food, fun drinks, great conversations, and yes… sweet raffle prizes. This was an event to remember! Here’s a quick peek at the fun we had. 🤩

08/07/2025

Searching for the right home can feel overwhelming, but don’t lose heart. Every showing, every tour, every step brings you closer to the place that’s waiting for you. The right home doesn’t just fit your budget, it fits your life. If you’re house hunting, know that you’re not in it alone, we’re here to support you! 🥰

07/30/2025

When was the last time you checked in on your mortgage?
Interest rates, goals, and life circumstances change, and your mortgage strategy should keep up.

A quick annual review can help you:
✅ Spot savings opportunities
✅ Align your loan with your goals
✅ Stay on track for long-term success

Whether you're looking to pay off your loan faster, plan for a renovation, or just want peace of mind, our team is here to guide you. Let’s make sure your mortgage is still working for you.

Address

Grand Junction, CO
81501

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

https://www.candicefreeman.us/

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