Kathy Nau, Mortgage Consultant

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Kathy Nau, Mortgage Consultant You're picking more than a lender, you're choosing a marketplace expert, someone you trust and a Mortgage Advisor you WANT to work with.

Whether it’s your first home, a vacation property, or a reverse mortgage in retirement, I guide you every step of the way, helping you build wealth through homeownership. You've come to the right place! There's nothing more rewarding than homeownership. It's especially satisfying knowing that your home is your very own. HOME is where we make memories, build our future and feel comfortable and secure. Whether you're a first time buyer, a seasoned mover or real estate investor, Call NAU For a Mortgage! A licensed Mortgage Consultant since 1992, and a member of the Colorado Association of Mortgage Professionals, I provide home loan solutions for buyers and offer free credit counseling services. HOW I DO BUSINESS: Homeownership starts with a relationship. I'm prepared to ask and answer questions, uncover and understand your needs, explore financing options and guide you home! MY PROMISE TO YOU: I am committed to achieving and performing at my personal best. The mortgage environment today is demanding in technical expertise, understanding people's needs and communicating effectively and calmly during periods of stress. This requires an enduring commitment to personal and professional improvement and knowledge growth. This commitment is necessary to be recognized as the "BEST IN THE BUSINESS" and to help my clients quickly, efficiently and smoothly navigate the homebuying or refinancing process. Integrity, ethics and honesty are the foundation of my valued relationships with clients, referral partners as well as coworkers, family and our community at large. I promise to hold myself accountable to this standard of conduct. I promise to put your best interest first. To ensure I'm guiding you into a mortgage loan where you'll be a successful homeowner. I promise to advocate on your behalf when collaborating with underwriters and to be available, communicative, accountable and kind. Call NAU For a Mortgage!

11/05/2026

Living it up at the PennyMac Partner Forum! 🎀 PennyMac has your BACK! PENNYMAC TPO

Working with people who trust you for 25 years is the greatest privilege of my career. πŸ₯Ήβ€οΈ Jay, thank you so much for yo...
11/04/2026

Working with people who trust you for 25 years is the greatest privilege of my career. πŸ₯Ήβ€οΈ

Jay, thank you so much for your kind words and years of partnership!

Every client’s situation is unique, and my main priority will always be rolling up my sleeves to make sure you get the best possible outcome, comfortably and with total confidence.

Whether you're buying your first home or just want a second look at your pre-approval options, I’m always here to help you get home. πŸ”‘β€οΈ

#π‚πšπ₯π₯𝐍𝐀𝐔 303.668.2100 ☎️ ⁠

I see this happen all the time: buyers fall head over heels for a home online, set up a walkthrough, and then reach out ...
11/03/2026

I see this happen all the time: buyers fall head over heels for a home online, set up a walkthrough, and then reach out to a lender to see if it works.

I totally get it, browsing homes is the fun part!

But starting there often leads to unnecessary heartbreak.

When you get pre-approved first, you’re giving yourself the ultimate peace of mind:
✨ You know your true numbers, including taxes, HOA fees, and monthly payments, so there are no scary surprises.
✨ You gain serious leverage. Sellers and listing agents take your offers much more seriously when backed by an official letter.
✨ You protect your dream. You won’t waste time falling in love with a property that isn’t the right financial fit.

Think of pre-approval as your secret weapon. It locks in your budget so when you find the one, you’re completely ready to make it yours! πŸ”‘βœ¨

Are you planning to start your home search soon? . I’d love to help you get step one checked off your list! πŸ₯°

#π‚πšπ₯π₯𝐍𝐀𝐔 303.668.2100 ☎️ ⁠

Here's the thing nobody tells you about homeownership, there will never be a perfect time. Rates will always fluctuate. ...
10/30/2026

Here's the thing nobody tells you about homeownership, there will never be a perfect time. Rates will always fluctuate. Life will always have something going on.

But the people who get there? They stopped waiting and started asking questions.

That's it. That's the whole secret.

So if you've been putting off the conversation, today's the day. No pressure, no commitment. Just a real talk with someone who genuinely wants to see you win. 😊πŸ₯°

#π‚πšπ₯π₯𝐍𝐀𝐔 303.668.2100 ☎️ ⁠

Here's something most buyers don't think about until it's too late. πŸ‘€Your debt-to-income ratio or DTI is one of the firs...
10/29/2026

Here's something most buyers don't think about until it's too late. πŸ‘€

Your debt-to-income ratio or DTI is one of the first things a lender looks at. And it can make or break your approval.

Here's the simple version:
πŸ“Œ What it is β€” your monthly debt payments divided by your gross monthly income
πŸ“Œ Why it matters β€” lenders use it to gauge how much you can comfortably afford
πŸ“Œ How to improve it β€” pay down existing debt, avoid new credit, or increase your income before applying

The good news? It's something we can work on together before you even apply. 😊❀️🏠

#π‚πšπ₯π₯𝐍𝐀𝐔 303.668.2100 ☎️ ⁠

One of my favorite things about fall in Colorado?Dinner dates out, cozy layers, and showing a little local love for Stea...
10/27/2026

One of my favorite things about fall in Colorado?

Dinner dates out, cozy layers, and showing a little local love for Steamboat Springs! πŸ”οΈβ€οΈ

Whether it's exploring local dining spots, taking a quiet evening walk, or just enjoying time together, these little moments are what make calling Colorado "home" so special.

What is your favorite local spot for a cozy dinner or weekend date night around town?

We are always looking for new local recommendations, let me know below!

If your dream is to put down roots in a community you truly love, I’m always here to guide you home. Send me a message anytime! ❀️

#π‚πšπ₯π₯𝐍𝐀𝐔 303.668.2100 ☎️ ⁠

October is a total pivot month for homebuyers here in Colorado! πŸ‚As the seasonal slowdown settles in, buyers who stay ac...
10/26/2026

October is a total pivot month for homebuyers here in Colorado! πŸ‚

As the seasonal slowdown settles in, buyers who stay active gain a huge advantage: less competition on open houses and far more leverage at the negotiation table. πŸ“ˆβœ¨

Right now, I’m helping several clients structure competitive, tailored loan strategies so they can step into their dream homes before the year wraps up, without the overwhelming bidding wars of spring and summer.

If you’ve been on the fence about whether now is the right time to buy, let's look at your options together. I’m here to make the journey clear, stress-free, and custom-fit to your financial goals.

or send me a message anytime! ❀️

#π‚πšπ₯π₯𝐍𝐀𝐔 303.668.2100 ☎️ ⁠

They say the best view is from your own home, and honestly? Lately, I have to agree! πŸ₯°πŸ‘✨From crisp mountain mornings on ...
10/19/2026

They say the best view is from your own home, and honestly? Lately, I have to agree! πŸ₯°πŸ‘✨

From crisp mountain mornings on the deck, to the scent of hot coffee and fresh Palisade apples filling the air, and ending the day around a spontaneous bonfire with family, these are the whimsical pieces of Colorado fall that are bringing me pure joy right now. πŸ‚

Swipe through to see what I’m romanticizing today πŸ₯°

#π‚πšπ₯π₯𝐍𝐀𝐔 303.668.2100 ☎️ ⁠

Can we just take a moment for Colorado in the fall? πŸ‚Because WOW.There's a reason people fall in love with this state an...
10/18/2026

Can we just take a moment for Colorado in the fall? πŸ‚

Because WOW.

There's a reason people fall in love with this state and fall is when Colorado really shows off. The colors, the energy, the crisp air that makes everything feel possible.

If homeownership in Colorado has been on your mind, this is your season. Let's talk. πŸ₯°

#π‚πšπ₯π₯𝐍𝐀𝐔 303.668.2100 ☎️ ⁠

There’s something so comforting about autumn in Colorado, the crisp air outside and the warm, welcoming heart of the hom...
10/17/2026

There’s something so comforting about autumn in Colorado, the crisp air outside and the warm, welcoming heart of the home inside. 🏑✨

For me, fall is all about those cozy kitchen moments, filling the house with good scents, and spending quality time with the people who matter most. The kitchen truly is where memories are baked! πŸ₯°

What is your absolute favorite cozy routine once the weather turns crisp?

Is it baking something warm, sipping c***r, or just curling up with a good book?

Let me know in the comments, I’d love to hear! πŸ₯°

If your autumn dream includes finding a kitchen of your own to fill with warm memories, send me a message anytime. I’m always here to help you get home. ❀️

#π‚πšπ₯π₯𝐍𝐀𝐔 303.668.2100 ☎️

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Littleton, CO

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