Jennifer Chicano, NMLS # 1194079

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Greenwood Village, CO
Jennifer Chicano, NMLS # 1194079

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Hi, I’m Jennifer Chicano! I’m passionate about helping you find personalized mortgage solutions that fit your life and goals. No problem!

Jennifer Chicano Your Loan Chic
Mortgage Broker | Certified Mortgage Advisor™
Helping homebuyers, homeowners & investors across CO, CA, AZ, PA & FL
NMLS #1194079 Whether you’re buying your first home, refinancing for better terms, or investing in real estate, I’m here to simplify the process and guide you every step of the way. With extensive real estate experience and access to a wide range of financing options, I’ll tailor solutions to meet your unique needs. Let’s work together to make your homeownership or investment dreams come true—reach out today! Licensed in CO, CA, AZ, PA, FL
Mortgage Broker | NMLS # 1194079 | CO # 100533633 | CA # DFPI1194079 | AZ # 1050227 | PA # 112789 | FL # LO140151
ZPM Mortgage Services | NMLS # 1216108 | MB # 0934728 | CA # 60DBO66276 | FL # MBR3234

Not licensed in your state? I have a trusted network of professionals who can help you find the right mortgage solution anywhere in the U.S.

11/02/2026

Same house. Two insurance quotes. $200 a month apart. That can change your payment and buying power. Get the quote early.

Higher homeowners insurance can raise your Colorado mortgage payment and shrink what you qualify for. Get the quote early and avoid a payment surprise.

11/01/2026

VA loan in Denver? $0 down is only part of it. Know the funding fee, entitlement, residual income and the 4% seller concession cap before you make an offer.

— Jennifer Chicano

Using a VA loan in Denver? See how the funding fee, entitlement, residual income and seller concession limits affect what you pay and can buy.

10/29/2026

The Fed held rates. That doesn’t mean mortgage rates stay put. Here’s what actually moves them — and what homebuyers should watch instead.

The Fed held rates steady, but mortgage rates can still move. Learn why, what actually affects mortgage rates and what homebuyers should watch now.

10/28/2026

Same price. Different payment. HOA dues and metro district taxes can add hundreds a month in Denver. Check both before you make an offer.

HOA dues and metro district taxes both count when you qualify. See how they change a Denver payment and what Colorado sellers must disclose.

10/27/2026

Seller concessions are not just for buyers who need help with closing costs. They are a negotiating tool that can benefit almost any buyer.

Whether you are buying your first home, your fifth, moving up, or downsizing, the real question is not whether you need the seller’s help. The better question is whether those dollars can create a financial advantage for you. Funds contributed by a seller may be more valuable applied toward allowable costs or a rate strategy than left sitting on the negotiating table.

Seller concessions are not a sign you cannot afford the home. Sometimes they are just smart financing. Do not just negotiate the price. Have a plan for the money.

Follow Jennifer Chicano, your loan chick, for the next episode of the seller concession playbook.

10/26/2026

"We'll just refinance later." Three things have to line up: rates fall enough, you still qualify, and you stay long enough. Here's the math.

Counting on a refinance after buying? See the break-even math, what you’d need to qualify again, and options if rates don’t drop.

10/25/2026

The biggest down payment assistance number isn't automatically the best deal. Compare repayment, DTI, credit rules and cash to close before you choose.

The biggest down payment assistance number isn’t always the best deal. Compare repayment, credit and income rules, and cash to close before you choose.

10/25/2026

What if interest rates never come down? 🤔

We spend a lot of time waiting for rates to drop. But what about the cost of carrying debt while we wait?

Higher interest rates affect more than just mortgages. They can influence credit cards, loans, monthly payments, and your overall financial picture.

The important thing isn't trying to predict exactly when rates will fall. It's understanding what your debt is costing you and making informed decisions based on your situation.

I'm Jennifer Chicano, Your Loan Chic! Have questions about your mortgage options? Let's chat!

📞 (720) 594-2626
🌐 yourloanchic.com

NMLS #1194079 | Zero Point Mortgage Services NMLS #1216108

10/23/2026

Realtors, there is some interesting news coming out of Washington this week worth keeping an eye on.

The White House is reportedly considering an executive order aimed at reducing mortgage costs for homeowners. Some of the proposed changes are significant: potentially reducing certain refinancing fees, eliminating some pricing adjustments, and even waiving appraisal and title requirements in some cases.

Nothing has been finalized and eligibility requirements are still unknown. But think about what this could mean for homeowners who have been sitting on higher rates and could not make the refinance numbers work. Reducing the cost of getting that loan changes the equation entirely. Because it is not always just about securing a lower interest rate. The cost of getting there matters too.

I will be watching this closely as more details become available. Questions? Let’s chat.

Jennifer Chicano | Your Loan Chic

10/23/2026

Can you buy before you sell?

Maybe. But the real question is what your lender has to count.

Pending sale, rental, bridge loan or sell first: here's how each changes your DTI.

Can you buy a house before selling in Colorado? See how lenders count both mortgages and compare pending-sale, rental and bridge options.

Address

5200 DTC Boulevard
Greenwood Village, CO
80111

Telephone

+17205942626

Website

https://linktr.ee/yourloanchic, https://yourloanchic.com/

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