Adam Renken I Renken Mortgage Team I Denver

Adam Renken I Renken Mortgage Team I Denver Licensed in Arizona, California, Colorado, Florida, Texas, & Washington
Mortgage Consultant NMLS #1065772

Licensed in AZ, CA, CO, FL, TX & WA
MORTGAGE CONSULTANT
NMLS #1065772
GUIDING HOMEOWNERS FOR OVER 20+ YEARS
Financing provided by Altamont Funding, INC - NMLS 2603233 | nmlsconsumeraccess.org

06/11/2026

🚨 BIG CREDIT SCORE UPDATE FOR HOMEBUYERS 🚨

We have officially expanded the option to use VantageScore 4.0 for both Conventional and VA mortgage loans.

Why does this matter?

Most mortgage approvals have traditionally relied on FICO scores. VantageScore 4.0 evaluates credit differently and may show more favorable scores for borrowers who don't fit neatly into traditional scoring models.

Benefits include:

✅ Consideration of rent payment history

✅ Consideration of utility payment trends

✅ A broader view of credit behavior

✅ Potentially reaching millions of consumers who may not score as well under traditional FICO models

✅ Available on VA loans with no LTV restrictions

Even better, our partner at Rocket Mortgage automatically reviews both FICO and VantageScore 4.0, and applies whichever model provides the best terms for the borrower.

This doesn't mean everyone will qualify, but it creates additional paths to homeownership for many buyers who may have previously been overlooked.

If you've been turned down in the past or think your credit score is holding you back, it may be worth taking another look.

📩 Send me a message and let's discuss your options

⭐5-star Friday⭐The best compliment I can receive is when clients come back again and again.💯"Helpful in the last 3 of ou...
06/05/2026

⭐5-star Friday⭐

The best compliment I can receive is when clients come back again and again.💯

"Helpful in the last 3 of our moves."

"Always upfront and proactive."

Whether you're buying your first home, moving up, refinancing, or investing, my goal is simple:

✅ Clear communication
✅ Honest advice
✅ Fast responses
✅ A smooth closing process

Thank you to all of my clients who trust me with one of the biggest financial decisions they'll make.

If you're thinking about buying a home or refinancing this year, I'd be happy to help.

Contact me to get started!📲

🌧️ Rain or shine, my goal is simple: make the mortgage process as smooth and stress-free as possible.The greatest compli...
06/04/2026

🌧️ Rain or shine, my goal is simple: make the mortgage process as smooth and stress-free as possible.

The greatest compliment I receive is hearing from clients that they felt informed, supported, and confident throughout the process. Their experience was vastly DIFFERENT than the horror stories you hear online.☠️

A few things my clients consistently mention when working with me:

⭐ Clear communication
⭐ Fast responses
⭐ Honest advice
⭐ On-time closings
⭐ No surprises

Whether you're buying your first home, moving up, refinancing, or investing, I'm here to help you navigate the market with confidence💯

DM or shoot me a call and let's connect.

What should you expect from your mortgage lender?Not just a rate quote....❗You deserve someone who answers the phone, ke...
05/29/2026

What should you expect from your mortgage lender?

Not just a rate quote....❗

You deserve someone who answers the phone, keeps you informed, meets deadlines, and helps make the process as smooth as possible.

When you work with me, my goal is simple:

✅ Meet or beat contract deadlines

✅ Provide weekly loan updates

✅ Be available when you need answers

✅ Respond quickly to calls and texts

✅ Shop multiple lenders to find the right solution

✅ Eliminate surprises before they become problems

Buying a home is stressful enough. Your mortgage shouldn't be.

After more than 20 years in the mortgage industry, I've learned that great communication and preparation solve most problems before they ever happen.🥰

Whether you're a first-time buyer, move-up buyer, investor, or looking to refinance, my commitment is to make the process clear, efficient, and predictable from application to closing.

If you're thinking about buying this year, let's talk about your options.📱

📞 303-521-0956

Hero First!Not all “hero programs” are created equal.Too often, the “discount” comes with a higher interest rate or extr...
05/12/2026

Hero First!

Not all “hero programs” are created equal.

Too often, the “discount” comes with a higher interest rate or extra costs hidden behind the scenes. That’s not how we do business❌

With HeroFirst by Altamont Funding, we’re offering real savings for the people who serve our communities every day, without inflating the rate just to cover the promotion.

If you’re a:
🚒 Firefighter
👮 First Responder
🏥 Healthcare Worker
📚 Teacher
🇺🇸 Community Hero

Bring me your written mortgage estimate or any First Responder offer and let me try to match or beat it. 

One of the biggest advantages of being a broker is having access to multiple lenders and options. This means I can shop for the best program and rate being offered that day

You’ve spent your career helping others. You deserve a mortgage strategy that actually helps you too.

📩 DM me to see if you qualify OR to review your current loan estimate✅

Happy Mother's Day!To my best friend and ❤️ You believed in me from the beginning. Many times when I didn't believe in...
05/10/2026

Happy Mother's Day!

To my best friend and ❤️ You believed in me from the beginning. Many times when I didn't believe in myself. Have a wonderful mother's day for a wonderful mother. I love you.

Do you need cash… but don’t want to touch your low mortgage rate? 🏡💰A lot of homeowners don’t realize this 👇But, you don...
05/01/2026

Do you need cash… but don’t want to touch your low mortgage rate? 🏡💰

A lot of homeowners don’t realize this 👇
But, you don’t have to refinance your entire loan to access equity.

With access to multiple lenders, banks, and credit unions, I can help you find the best option for your situation:
✔️ HELOC (flexible line of credit, use what you need)
✔️ HELOAN (fixed rate, fixed payment and term)

👉 Using your home equity is typically MUCH cheaper than credit cards.

💳 Credit cards = 18%-29% interest
🏡 Home equity = significantly lower rates

That means:
• Lower monthly payments
• Less interest paid over time
• Faster debt reduction

Whether it’s for:
🔨 Home improvements
💳 Paying off high-interest debt
📈 Investing in another property
👨‍👩‍👧 Life and family expenses

There are smarter ways to access cash and I’ll help you compare all your options, not just one.

📩 DM me “EQUITY” or reach out to run some numbers on your options

The past 4 weeks have been a rollercoaster for mortgage rates 📉📈One day the headlines help and the next day it's a blood...
03/24/2026

The past 4 weeks have been a rollercoaster for mortgage rates 📉📈

One day the headlines help and the next day it's a bloodbath⛑️

Right now, global tension around Iran and rising oil prices is adding uncertainty to the market. Uncertainty is one of the biggest drivers of higher mortgage rates.

Here’s why:
➡️ Rising oil prices can push inflation higher
➡️ Inflation keeps mortgage rates elevated
➡️ No timetable for resolution

Unpredictability is exactly why trying to time the market is nearly impossible.

Real News:
If rates improve after you buy, you can refinance.
But, if you wait and rates continue to rise affordability takes a hit and you miss out on equity appreciation gains

The right move isn’t timing the market.
Make smart decisions based on your goals and your numbers!

If you’re thinking about buying and want a game plan, let’s chat📲

⭐5-star Friday⭐Grateful for amazing clients like this. Helping people navigate the home financing process is something I...
03/13/2026

⭐5-star Friday⭐

Grateful for amazing clients like this. Helping people navigate the home financing process is something I take seriously. Buying a home is one of the biggest financial decisions you'll make, and my goal is always to make sure you feel informed, confident, and supported every step of the way.

This review means a lot because it highlights what I strive for with every client..

If you're thinking about buying, refinancing, or just want to understand your options, I'm always happy to help.

📩 Send me a message or reach out anytime

Down Payment Guide: What does it really take to buy a home?📋One of the biggest misconceptions in real estate is that you...
03/10/2026

Down Payment Guide: What does it really take to buy a home?📋

One of the biggest misconceptions in real estate is that you need 20% as a down payment to buy a home. In reality, there are several options depending on the loan program and your situation.

Here’s a quick breakdown of what a down payment looks like for a $500k home purchase.

For example:
🏡 $500,000 home
• 3% down = $15,000
• 5% down = $25,000
• 10% down = $50,000
• 20% down = $100,000

Most buyers today are putting 3%–10% down, depending on their goals and approval requirements.

A few things to keep in mind:
✔️Some loan programs will allow as little as 3% down for a first time buyer
✔️ You don’t always need 20% to buy a home
✔️ Down payment assistance may be available to cover your minimum amount
✔️ Your strategy should match your financial goals and monthly payment comfort.

If you're thinking about buying and want to know what your down payment amount needs to be, lets connect.

📩 Send me a message , screenshot this post, or comment “Guide” with your purchase price, and I’ll send you a breakdown for your purchase.

Address

8375 Willow Street Suite 300
Lonetree, CO
80124

Opening Hours

Monday 8:30am - 8pm
Tuesday 8:30am - 8pm
Wednesday 8:30am - 8pm
Thursday 8:30am - 8pm
Friday 8:30am - 8pm
Saturday 9am - 6pm
Sunday 9am - 6pm

Telephone

+13035210956

Website

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