Charlene Montoya, Mortgage Broker, NMLS 671023

10/08/2026

🏡 Help Your Buyers Get Into a Home Sooner!

The Dynamo Fully Forgivable DPA from Keystone Mortgage Solutions helps qualified buyers overcome the biggest hurdle to homeownership: upfront cash.

✨ Program Highlights:

Fully forgivable grant — no second lien or repayment
3.5% & 2.5% down payment assistance available
Up to 96.5% FHA financing
Can help cover down payment & closing costs
Lower cash-to-close for buyers
Can be stacked with seller concessions up to 6%
Available in most states nationwide
FHA Streamline refinance after seasoning
Helps increase buyers’ purchasing power
💡 Turn payment-ready renters into homeowners and help your offers stand out by solving their biggest obstacle—upfront cash.

📲 Charlene Montoya | Senior Loan Officer Keystone Mortgage Solutions (720) 232-4453 NMLS #671023

Program guidelines, eligibility, and availability apply. Borrowers subject to meeting lender guidelines.

10/01/2026

🏡🎉 Congratulations to the Chaves Benavidez family on closing on their new home! Wishing you years of happiness and beautiful memories in this exciting new chapter. 🔑❤️

A big congratulations to Charlene Montoya, an outstanding loan officer whose dedication and care help families achieve their homeownership dreams!

Thank you for trusting Keystone Mortgage Solutions to be part of your journey! 🏡✨

09/17/2026

The Fed increased the federal funds rate yesterday—what does that mean for mortgage rates? In short, not much. Mortgage rates are more closely tied to the 10-year Treasury yield and long-term policy rather than the Fed funds rate directly. In fact, mortgage rates are slightly lower today, primarily due to news that the Saudi pipeline could reopen soon, easing oil prices—a positive sign for the long-term outlook.

As this graph from U.S. News & World Report shows, mortgage rates have risen over the past couple of years even as the Fed funds rate decreased. Mortgage rates are driven more by inflation expectations and long-term economic policy. So there’s no need to panic! The market has already factored in the Fed’s rate hike, and mortgage rates are unlikely to spike dramatically. It remains a strong buyer’s market, offering more negotiation power than ever. If you have any questions, feel free to reach out—I’m here to help with all your mortgage needs.

https://money.usnews.com/loans/mortgages/articles/5-experts-on-what-the-fed-rate-hike-means-for-mortgages

07/08/2026

Did You Know? Colorado Public School Employees May Qualify for Up to 25% in Down Payment Assistance! 🏡

The CHFA Schools To Home program officially launched July 1, 2026, making homeownership more accessible for eligible full-time Colorado public school employees.

The program offers:
🏠 Up to 25% of the first mortgage loan amount for down payment and/or closing cost assistance
📈 Fixed-rate financing on eligible Fannie Mae loans
🤝 A shared appreciation feature, meaning homeowners repay a portion of the home's appreciation to the Public School Permanent Fund when the home is sold or the loan is repaid. This helps replenish the fund so future public school employees can benefit from the program as well.

This program is available to more than just teachers—it may also be available to eligible full-time employees of Colorado PreK–12 public schools, school districts, charter schools, BOCES, and innovation zones.

If you're a public school employee and have been thinking about buying a home, now is a great time to learn whether you qualify.

📞 For more information, contact Charlene Montoya at 720.232.4453 or [email protected] to discuss your eligibility and how the CHFA Schools To Home program could help you become a homeowner.

03/10/2026

03/05/2026

Another amazing trip with my Keystone family! I’m so grateful for the leadership at Keystone Mortgage Solutions LLC, my teammates, and my referral partners. I feel blessed to have helped so many families in 2025 achieve the dream of homeownership, and I’m excited for another productive year ahead. 🙏

10/25/2025

Such a fun closing! Congratulations to Jordan and Quiana on the purchase of their first home! I'm so thankful that I got to know them throughout this process and happy for them to start their next journey together. The best part of being a mortgage lender is getting to meet new people and building lifelong relationships. 🎉🏡💜

10/23/2025

Closing is an important part of finalizing every real estate transaction. If you have questions about what to expect just leave me a comment. I'm here to help.

10/15/2025

Fall décor is all about warmth, texture, and cozy details 🍂✨—and what better way to enjoy it than in a home that’s truly yours? If you’re dreaming of a space to decorate just how you like, I can help you find the right loan to make it happen. Whether you’re buying your first home or upgrading to your next, I’ll guide you every step of the way. Ready to make your homeownership goals a reality this season? Let’s chat! 💬🏡