Cole Sjoholm, Fairway Independent Mortgage Corporation,NMLS# 681575

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.

07/13/2026

What makes one mortgage company different from another?

It's a question I hear often, and the answer goes well beyond interest rates.

This video shares the story behind Fairway—our values, our culture, and the commitment we have to putting people first. It's one of the reasons I'm proud to be part of the Fairway team and why I enjoy helping my clients navigate one of the biggest financial decisions they'll ever make.

If you have about 7 minutes, I'd love for you to watch it and learn what makes Fairway different.

🎥 Watch here: https://youtu.be/sV82Tjsi8A8?si=xJGuHrAyC6_vejl7

Whether you're buying your first home, upgrading, investing, refinancing, or simply exploring your options, I'm here to help make the mortgage process as smooth as possible.

🏡 Ready to get started? You can apply online anytime:
http://www.homeloansbycole.com

**What matters most to you when choosing a mortgage lender?** I'd love to hear your thoughts in the comments!

07/08/2026

⚠️ Buying mortgage points could save you thousands... or cost you more than they're worth.

Thinking about buying down your interest rate? Mortgage points can lower your monthly payment—but they don't make sense for everyone. The key is knowing your break-even point. Watch to learn when buying points may be worth it, then reach out and let's compare your options! 🏡

www.homeloansbycole.com

07/08/2026

Thinking about buying down your rate? 👀 Mortgage points can save you real money — but only if you're staying in the home long enough to hit your break-even point. Not sure if it makes sense for you? Let's run the numbers together.

www.homeloansbycole.com