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Steller Lending Team Mortgage Brokers

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Littleton, CO
Steller Lending Team Mortgage Brokers

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LO NMLS #501897 | The Steller Lending Team Powered By Ease Lending Inc NMLS #2179191 | Equal Housing Lender

Along with closing loans on time, I partner with Realtors to use creative ways to boost more referrals through power partnerships, gain more market share and learn from the best Realtor Coaches in the industry. LO NMLS #501897 | State Lic # CO Lic # 100049329 | Corp NMLS #2463614

Regulated by the Colorado Division of Real Estate.

11/04/2026

Why Work With an Independent Mortgage Broker?
When shopping for a mortgage, who you work with can make a significant difference.

Unlike banks and retail lenders that primarily offer their own loan products, an independent mortgage broker has access to multiple wholesale lenders, allowing us to compare loan programs, interest rates, and financing options to find a competitive solution for your needs.

At Ease Lending, I have access to more than 120 wholesale lenders, giving my clients more choices without having to shop multiple lenders themselves.

More options. Competitive pricing. Personalized service.

Before you commit to a mortgage, let's compare your options.

Michael Steller | Ease Lending, Inc.
720-224-1679

11/03/2026

🏡 SELLER CONCESSIONS: IT'S NOT JUST WHAT YOU NEGOTIATE. IT'S HOW YOU USE THEM.

Did you know that seller concessions can do more than help cover your closing costs?

When purchasing a home, negotiating seller concessions is one thing. Knowing how to use them strategically can make a significant difference in your financing.

Here are three ways seller concessions could work to your advantage:

✅ Lower Your Mortgage Rate
Use seller concessions toward a permanent interest rate buydown or an eligible temporary buydown to help reduce your mortgage payments.

✅ Reduce Your Closing Costs
Have the seller contribute toward eligible closing costs and prepaid expenses, allowing you to keep more of your savings available after purchasing your home.

✅ Reduce or Eliminate Monthly Mortgage Insurance
Depending on your loan program and down payment, seller concessions may help cover an eligible upfront mortgage insurance premium, potentially reducing or eliminating monthly mortgage insurance payments.

But here's what matters most:

The smartest way to use seller concessions depends on your individual financial situation.

Sometimes lowering your interest rate makes the most sense. Other times, preserving your cash or addressing mortgage insurance could provide greater financial benefits.

Before you negotiate seller concessions, let's determine how to put them to work for you.

Michael Steller
Steller Lending Team | Powered by Ease Lending
📞 720-224-1679

NMLS: 501897 | Colo Lic: 100049329 | CO NMLS: 2151293

Seller concessions are subject to loan program guidelines, contribution limits, and eligibility requirements. Not all options are available for every borrower.

11/03/2026

🏡 Is Your 3% Mortgage Rate Keeping You From Moving?

Millions of homeowners secured historically low mortgage rates, and understandably, they're reluctant to give them up.

But here's a question worth considering:
Is holding on to that low rate still the best financial decision for you?

Your family may need more space. You may be considering downsizing, relocating, or purchasing a home that better fits your lifestyle.

A low interest rate is valuable, but it shouldn't be the only factor driving your real estate decisions.
Before ruling out your next move, take the time to evaluate your financing options and the bigger financial picture.

Sometimes the best financial decision isn't necessarily the one with the lowest interest rate.

11/02/2026

🏡 Thinking about buying a home? Don't overlook the holiday season.

Many buyers put their home search on hold during the holidays. But that could create an opportunity for those who stay in the market.

Reason #1: Less Competition.
With fewer buyers actively shopping, you may face fewer competing offers, giving you more time to evaluate a property and potentially more negotiating power.

This is the first of 7 reasons why buying a home during the holidays may work to your advantage.
Stay tuned for Reason #2!

📞 Michael Steller | 720-224-1679

10/30/2026

🏡 Mortgage Rate Update | Friday, October 30, 2026

Good news for homebuyers heading into Halloween weekend!

Mortgage rates have improved for the second consecutive week. Freddie Mac reported the national average 30-year fixed mortgage rate at 7.24%, but there's an important difference between national averages and the rates available through wholesale mortgage lenders.

As a mortgage broker, our rates are based on wholesale pricing, without the retail lender markup.

Take a look at today's purchase rates:

🏠 30-Year Conventional Fixed: 6.625% | 6.752% APR

🏠 15-Year Conventional Fixed: 6.125% | 6.331% APR

🏠 30-Year FHA Fixed: 6.490% | 7.418% APR

🏠 30-Year VA Fixed: 6.625% | 6.836% APR

We also offer competitive jumbo and adjustable-rate mortgage options, as shown in the chart.

Why does this matter?

Even a modest difference in your mortgage rate can make a meaningful difference in your monthly payment and the total interest paid over the life of your loan.

Whether you're purchasing your first home, moving up, or considering a jumbo mortgage, comparing wholesale financing options can help you make a more informed decision.

I'm available throughout the weekend if you have questions about today's rates, your purchasing power, or financing a home you're considering.

Have a safe and enjoyable Halloween weekend!

Michael D. Steller
Steller Lending Team | Ease Lending Inc.
📞 720-224-1679

Rates and APRs shown are subject to change and depend on loan qualifications, credit, property, and other factors. Please review the complete rate assumptions and disclosures below.

09/05/2026

🇺🇸 Happy Labor Day Weekend! 🇺🇸

Labor Day is a time to recognize the hard work, dedication, and perseverance of the people who help keep our communities and our country moving forward.

Whether you’re working this weekend, spending time with family and friends, or simply enjoying a well-earned day off, I hope you have a safe and relaxing Labor Day.

From all of us at Steller Lending Team — Happy Labor Day! 🇺🇸

05/10/2026

🌸 Happy Mother’s Day 2026 🌸
Today we celebrate the incredible mothers, grandmothers, stepmothers, foster mothers, and mother figures whose love, strength, sacrifice, and encouragement help shape our families and communities every single day.
A mother’s love creates the feeling of “home” long before there’s ever a house attached to it.
From all of us at Steller Lending Team, thank you for the care, support, wisdom, and unconditional love you give so freely.
We hope today is filled with joy, appreciation, laughter, and time spent with the people who matter most.
Happy Mother’s Day to all the amazing moms out there. 💐🇺🇸
Michael D Steller
Licensed Mortgage Broker | Colorado Branch Manager
Steller Lending Team | Powered by Ease Lending Inc.

05/04/2026

On International Firefighters’ Day

We want to take a moment to say thank you to those who put their lives on the line every single day to protect our homes, our families, and our communities.

Your courage doesn’t go unnoticed. Your sacrifice isn’t taken for granted.

At Steller Lending Team, we believe protection matters — not just in moments of emergency, but in building a secure future for the people you serve.

We appreciate you. We honor you. We thank you. 🇺🇸

03/31/2026

One of the biggest myths out there…

You don’t need 20% down to buy a home.

There are a lot more options available than most people realize—it just comes down to understanding what fits your situation.

The key is having the right strategy before you start looking.

If you’ve been holding off because of the down payment, it might be worth having a quick conversation.

📲 Reach out when you’re ready.

03/27/2026

What's going on and why does it matter?

Market Commentary – March 27 , 2026

Mortgage rates saw slight upward pressure this week as bond markets softened and the 10-year Treasury remained elevated, continuing to influence mortgage pricing. Ongoing inflation concerns and global economic uncertainty have kept investors cautious, limiting any significant improvement in rates. As a result, mortgage rates are hovering in the low-to-mid 6% range for a 30-year fixed, keeping the market relatively stable but still sensitive to incoming economic data. For Realtors and buyers, this means financing remains manageable, but timing and strategy continue to play an important role as markets react to new developments.
What should you do about it?

Lock your rates to be safe.

If your client goes under contract and is closing within the next 30 days, locking is still the safer move. Markets remain sensitive to economic data and inflation signals, which means mortgage rates can move day-to-day. Locking now helps protect your clients from short-term volatility and keeps their financing on track as they move toward closing.

Address

4 W Dry Creek Cir Ste 100
Littleton, CO
80120

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+17202241679

Website

http://www.stellerlendingteam.com/

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