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

Cole Sjoholm, Fairway Independent Mortgage Corporation,NMLS# 681575

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United States
Grand Junction, CO
Cole Sjoholm, Fairway Independent Mortgage Corporation,NMLS# 681575

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Full service mortgage lender, from first-time homebuyers to seasoned investors I strive to treat my clients the way they expect to be treated. NMLS 681575.

Cole Sjoholm, Loan Originator, NMLS #681575

I love what I do and I am excited to work with you on your home purchase or refinance. I am the person that will explore every option to help you uncover the best possible way to finance your home. Returning calls, texts and emails within the same business day. I am upfront and honest about any obstacles that may need to be overcome in order to get your loan approved. I will be dedicated to helping you achieve your goal of homeownership. Fairway Mortgage offers industry-leading technology solutions to borrowers and referral partners. We offer competitive products and value, second to none:
•Conventional Loan (Fannie and Freddie)
•Jumbo
•FHA, including 203k
•VA
•USDA Rural Development
•Reverse Mortgage

I am based in Grand Junction and can originate loans throughout Colorado. I offer several convenient ways to inquire or apply for a home loan:
•www.homeloansbycole.com
• In-person consultation in my office or your place of preference
•Phone consultation at 970-930-5288. With my experience, hard work, dedication and loyalty - I look forward to showing you a different way of Mortgage Lending!

09/30/2026

SUCH POWERFUL INFORMATION ⬇️

09/28/2026

The garage is often one of the most unorganized spaces in a home. These 75 products are meant to help fix that and spruce up the space.

What one catches your eye?

(I personally love the magnetic windows to help transform the curb appeal of your home)

You’re probably not utilizing your garage its full potential, but luckily there are tons of weird but brilliant products to organize and elevate your space.

09/18/2026

Wonder what steps to take if your identity is stolen? read below: great info!

If you're a victim of identity theft, immediately file reports with local and national agencies.

09/14/2026

Great info for changes in the housing market and upcoming trends to be aware of!

Renovating a home so clients can stay in the place they love is one of the most meaningful projects a designer can take on. Here, experts share eight thoughtful ways to prepare homeowners for the years ahead

09/10/2026

Your friend and mortgage lender (🙋🏻‍♂️) needs your help
(Sorry for the shameless plug)

Our industry has gone thru a slowdown over the last 3 years and your business and referrals mean more now than ever!

Looking to move? Have friends, families, coworkers, neighbors that want to buy or refinance? I appreciate your referrals!

Get started: www.homeloansbycole.com

https://www.scotsmanguide.com/news/mortgage-demand-weakens-as-rates-hit-highest-level-in-15-months/

Higher rates extend summer slump in application volumes, according to latest MBA survey

08/12/2026

IYKYK 🏠: No surprise to those of us in the know, but GJ + Montrose both just made this list:

Real estate experts share the best places to live near a national park, from the Arizona desert to the mountains of West Virginia.

07/30/2026

📈 What’s going on with Mortgage Rates?

A lot of people ask, “Why are mortgage rates still so high?”

The answer is in these charts.

The 10-Year U.S. Treasury yield is one of the biggest indicators that influences mortgage interest rates. While mortgage rates don’t move in lockstep with the 10-year Treasury, they typically follow the same general direction.

As you can see:
📊 The 10-year Treasury has climbed to around 4.67%, near its highest level in the past year.
📊 Historically, it’s also well above the ultra-low levels we saw during 2020-2021.
📊 Rates are still very low compared to the last 30 years

When Treasury yields rise, mortgage-backed securities must offer higher returns to attract investors. That often translates into higher mortgage interest rates for homebuyers and homeowners looking to refinance.

So what does this mean if you’re thinking about buying a home?

✅ Don’t try to perfectly time the market.
✅ Focus on finding the right home and a payment that fits your budget.

The Key 🔑 ✅ Remember: you can refinance later if rates improve—but you can’t go back and buy today’s home at yesterday’s price.

If you’re wondering how today’s rates affect your buying power or monthly payment, I’d be happy to run the numbers. Sometimes the answer is better than people expect.

www.homeloansbycole.com

07/24/2026

Feeling especially grateful this Friday…2 recent closings and 2 more five-star reviews! ⭐️⭐️⭐️⭐️⭐️

To every client who has trusted me with their home financing—and especially those who continue to return and refer their friends and family—THANK YOU. Your confidence in me means more than I can say.

Many of you also follow my travels and know that I often work remotely. While the scenery around my “office” may change, my commitment to my clients never does. Together with my incredible team, I continue to work hard to communicate clearly, answer questions quickly, and keep each loan moving toward a smooth, on-time closing.

These two recent reviews are wonderful reminders of exactly what we strive to deliver with every loan: responsive communication, expert guidance, and an experience that makes buying or refinancing a home feel a little less stressful.

Ready to talk about your own home-financing goals? Visit www.homeloansbycole.com.

07/18/2026

Fruita Open House 🚨
Today until 1p (Sat, July 18th)

Who’s going to go say hi and give Amanda a hug for me?!?!

Single Family Residence for sale in Fruita - 4 beds, 2 baths, 1,733 sq ft, $468,000, .16 ac

07/16/2026

🏡 "I have a fixed-rate mortgage... so why did my payment go up?"

It's one of the most common questions homeowners ask.

The answer usually has nothing to do with your interest rate. Instead, it's often caused by changes to your escrow account—specifically increases in property taxes or homeowners insurance that your mortgage servicer pays on your behalf.

Fairway Home Loans' own Jeremy Schachter recently shared his expertise with U.S. News & World Report to help explain what an escrow shortage is, why it happens, and what homeowners can expect.

📖 Read the article here:
https://money.usnews.com/loans/mortgages/articles/what-is-an-escrow-shortage-why-your-mortgage-payment-just-went-up

Have questions about your mortgage payment or escrow analysis? I'm always happy to help explain what you're seeing—whether your loan is with Fairway or another lender.

If you're thinking about buying, refinancing, or just want a trusted mortgage resource, let's connect!

💻 Start your home loan journey anytime:
www.homeloansbycole.com

Cole Sjoholm, Fairway Home Mortgage Loan Officer. Serving your homeownership needs for Grand Junction and surrounding areas.

Address

601 Main Street
Grand Junction, CO
81505

Opening Hours

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

Telephone

+19709305288

Website

http://www.homeloansbycole.com/, http://mortgageguytravelstheworld.com/

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