Keen Mortgage

06/26/2026

Planning your next home project?

Your home's equity may already be the key to making it happen.

Before financing elsewhere, let's explore whether a cash out refinance is the right option for your goals.

📞 Kelly Stasney | Keen Mortgage
720.789.2364
NMLS #2081500
www.keenmortgage.com

06/23/2026

??? Wait... the rental income from an ADU may count???

One of the more interesting mortgage changes in the past year... In late 2025, Fannie Mae updated its guidelines to allow some lenders to consider income from a legal ADU (Accessory Dwelling Unit) when qualifying for a mortgage. Yet many homeowners and buyers still don't know it's an option.

Think:
• Apartment above the garage
• Finished basement with a separate entrance
• Backyard cottage

It's one of those "I didn't know that was possible" conversations we're having more often these days.

Guidelines vary by lender, loan program, and property type, but if you're considering a home with an ADU, it may be worth exploring.

📞 Kelly Stasney | 303.591.5733
📧 [email protected]
www,keenmortgage.com
Keen Mortgage | NMLS #2401274

06/22/2026

🏡 DON'T LET A GOOD RATE KEEP YOU IN THE WRONG HOUSE.

Many Colorado homeowners locked in incredible mortgage rates between 2020 and 2022. Today, they're facing a tough question: Is keeping my low rate worth staying in a home that no longer fits my life?

Affordability remains a real concern for many families, and that's completely understandable. Higher rates, rising costs, and economic uncertainty have made housing decisions more complicated than they've been in years.

But there is another side of the story.

Colorado buyers have more options and negotiating power than they've had in quite a while.

📊 COLORADO MARKET SNAPSHOT (May 2026)
🏠 Denver Metro: 12,259 active listings
🏠 Colorado Springs: 3,540 active listings
🏠 Boulder County: Homes averaging 44+ days on market
🏠 Fort Collins: Inventory roughly double what buyers saw during the ultra-tight market years

For some families, the right move is staying put. For others, it may be:

🏠 More space for a growing family
📍 A better location, schools, or commute
💰 A smarter long term financial strategy using the equity they've built over the last several years

The reality is that timing matters. But so do your goals, your family, and your quality of life. The smartest move isn't always keeping the lowest rate. It's understanding all of your options and making the right move for your future.

Should we take a holistic look at your unique situation and run some #'s and scenarios and see what makes sense for you?

Kelly Stasney
303.591.5733
[email protected]
keenmortgage.com
NMLS #2108512



Sources:
www.dmarealtors.com - www.coloradorealtors.com - www.freddiemac.com/pmms

06/18/2026

🩺 Most doctors don't realize their student loans may not prevent them from qualifying for a mortgage.

Many physicians finish medical school with significant student loan debt, which can make qualifying for a traditional mortgage look challenging on paper. What many don't realize is that there are mortgage programs specifically designed for physicians and other medical professionals.

Depending on the program, doctor mortgage loans may offer:

• Low down payment options
• More flexible treatment of student loan debt
• No PMI in certain cases
• The ability to qualify using a future employment contract when relocating for residency, fellowship, or a new position

Mortgage lending is often far more nuanced than simply comparing interest rates. Specialized programs like these can open doors that many borrowers don't realize exist.

If you're a physician, dentist, veterinarian, pharmacist, or other healthcare professional and would like to explore your options, lets catch up.

Kelly Stasney | Keen Mortgage
303.591.5733 | [email protected]
NMLS #2108512

01/31/2026

Knowing your budget puts you ahead for a reason.

Pre approval is not just a number. It is clarity. It tells you what you can afford, what to expect monthly, and how strong your offer really is before you ever start shopping.

Kelly works with buyers early to walk through real numbers, real scenarios, and real options so there are no surprises later.

Confidence comes from preparation. The earlier you start, the smoother everything goes.

Keen Mortgage
Kelly Stasney
Mortgage Broker
NMLS 1976862
www.keenmortgage.com

700 Front Street, Louisville, CO 80027

01/30/2026

Check out this stunning lakefront ranch home in the heart of DTC, listing courtesy of our partners at The Realty Group.

Current listing information, images, maps and more for this property

01/30/2026

DTI is one of the most important factors for mortgage approval! I break down exactly what lenders look for and how you can manage your ratio. Comment 'DTI' to work with me and learn yours.

01/29/2026

We work with your real estate agent, or we can help connect you with one if you need the full cycle.

Strong financing supports strong offers, smoother negotiations, and fewer surprises along the way.

Good agents and good lenders do the same thing. Protect the buyer and get the deal across the finish line.

Keen Mortgage
Kelly Stasney
Mortgage Broker
NMLS 1976862
www.keenmortgage.com

700 Front Street, Louisville, CO 80027

01/28/2026

Local matters when it comes to home financing here in the Oh Oh community.

Kelly at Keen Mortgage is Lafayette and Louisville, Colorado based, five star Google rated, and trusted by local homebuyers who want clear, accurate guidance from start to finish. No guesswork. No handoffs. No chasing answers. Straightforward mortgage advice from strategy and pre approval through closing, plus post move in check ins.

If you want realistic options and someone who truly knows the local and greater Colorado market, we are here.

Kelly Stasney
Mortgage Broker
NMLS 2108512
303.591.5733
[email protected]

Keen Mortgage is a full service residential mortgage brokerage based in Louisville Colorado. 20+ years of mortgage experience and a 5 Star Google Rating.

01/27/2026

First-time buyers often focus on the rate. That’s understandable... but it’s only part of the picture.

Approval strength, total monthly payment, loan structure, and long-term flexibility matter just as much.

The best time to talk to a lender isn’t when you’re under contract. It’s before you start shopping.

Education early makes everything smoother later!

Call / text us at 303.591.5733 for getting your journey started right.