Stephanie Floyd - Colorado Mortgage Loan Officer

12/23/2025

This holiday season, I’m incredibly thankful for everyone who trusted me and the team at Ent Credit Union with their home loan journey. Helping you reach your homeownership and refinance goals is a privilege we don’t take lightly. Wishing you and your families a joyful holiday season and a wonderful year ahead.
🎄✨

Stephanie Floyd
Mortgage Loan Officer - NMLS 1428069
Ent Credit Union
☎️ 720-556-8596
📧 [email protected]
Apply 24/7: www.ent.com/sfloyd

10/20/2025

Things you should ghost this month: mortgage edition 👻 High rates you don’t understand. Hidden fees that pop up mid-process. Lenders who don’t explain your options. Your loan shouldn’t feel like a haunted house. Know what you’re signing and keep the surprises out. Want a clear path to your next home? DM me.

Apply 24/7 at: www.ent.com/sfloyd

Stephanie Floyd
Mortgage Loan Officer - NMLS 1428069
Ent Credit Union
☎️ 720-556-8596
📧 [email protected]

09/23/2025

Hey Realtor Friends! 👋 You’re invited to an exclusive event hosted by Ent Credit Union and Chicago Title DTC designed for real estate professionals who want to turn stats into strategy using the power of AI.

*1 Hour of CE Credit*

📊 Class: AI-Powered Market Data – Turning Stats Into Strategy
✅ Learn how to use AI tools to analyze market trends
✅ Discover how to craft winning strategies for your buyers & sellers
✅ Walk away with practical tools to use immediately in your business

🍷 Stay for the Mixer!
After the class, join us for drinks, light bites, and networking with top local professionals.

📍 Location: Chicago Title DTC - 8055 East Tufts Avenue, Suite 210, Denver, CO 80237
📅 Date: Wednesday, October 22nd
⏰ Time: 2-4pm (Mountain Time)

Space is limited – RSVP using the QR code today to reserve your spot! Hope to see you there!

08/25/2025

📝 Do you know the difference between pre-qualified and pre-approved? 🏡 Most people use the terms interchangeably—but they’re not the same! Here’s the difference: 🔹 Pre-Qualified = A quick estimate based on basic financial info you provide (no documents verified). It’s a great first step but not a green light for house hunting. 🔹 Pre-Approved = A lender reviews your income, credit, and documents to give you a real number you can shop with. This shows sellers you’re serious and ready to make an offer. Bottom line: If you’re planning to buy soon, pre-approval is the way to go! Need help getting started? Let’s chat!

Apply 24/7 at: www.ent.com/sfloyd

Stephanie Floyd
Mortgage Loan Officer - NMLS 1428069
Ent Credit Union
☎️ 720-556-8596
📧 [email protected]

01/27/2025

🏡 They’re a 10... but have no homeownership goals? 👀 It’s giving “renting forever” vibes. Don’t worry, we’ll find you a better match—like the perfect mortgage plan for your dream home. 💸✨

Apply here 24/7: www.ent.com/sfloyd

Stephanie Floyd
Mortgage Loan Officer - NMLS 1428069
Ent Credit Union
☎️ 720-556-8596
📧 [email protected]

11/22/2024

If you’re looking for more space to enjoy the holidays, check out this home that was JUST LISTED in Elizabeth! Situated on 2.5 acres. The seller is offering a $10,000 sales concession with a full-price offer to help assist with closing costs or an interest rate buy down. Best part of all, I know just the lender for you! 🙋‍♀️

https://media.showingtimeplus.com/sites/6217-bow-meadows-dr-elizabeth-co-80107-12791275?fbclid=IwZXh0bgNhZW0CMTEAAR1ln1YuTKc8ZFw7NInZxxokrSczgD6GRczOJFl0fimc9B9Vcov5_AN5mDs_aem_L7QrTc3ugbFBEfkFIPf_VQ

Stephanie Floyd
Mortgage Loan Officer - NMLS 1428069
Ent Credit Union
☎️ 720-556-8596
📧 [email protected]
www.ent.com/sfloyd

No Fear Buyer Friendly Here! – $10,000 Seller Concession with Full-Price Offer! This beautifully upgraded home sits on 2.5 acres of serene countryside, offering modern amenities, spacious living, and endless possibilities. As part of this No Fear Buyer Friendly Listing, the seller is offering a $1...

11/20/2024

🦃 With Turkey Day right around the corner, I wanted to take a moment to wish everyone a Happy Thanksgiving! 🍂 As a mortgage lender, I have so much to be grateful for this year: 1️⃣ The opportunity to help families achieve their dreams of homeownership 🏡 2️⃣ Working with amazing clients who trust me with their biggest financial decisions 💼 3️⃣ Collaborating with real estate partners who share the same dedication to service 🤝 4️⃣ Being able to make a positive impact in our community 🏠 Wishing you all a wonderful holiday filled with gratitude and joy. What are you grateful for this year? 🙏🍁

Stephanie Floyd
Mortgage Loan Officer - NMLS 1428069
Ent Credit Union
☎️ 720-556-8596
📧 [email protected]
www.ent.com/sfloyd

10/16/2024

Have you checked your current mortgage rate recently? You might be paying more than you need to. DM me for a free mortgage check-up and see how much you could save. 🏠

Stephanie Floyd
Mortgage Loan Officer - NMLS 1428069
Ent Credit Union
☎️ 720-556-8596
📧 [email protected]
www.ent.com/sfloyd

10/07/2024

🎄🏡 If you start now, you could be in a new home by the holidays! Imagine celebrating the season in your dream home—it is possible if you get started today! Here is how we will make it happen: 1️⃣ Fast Pre-Approval: Get your mortgage pre-approved quickly, so you are ready to make an offer. 2️⃣ Lock in Rates: Secure competitive rates before they change. 3️⃣ Smooth Process: I will guide you every step of the way for a stress-free experience. Lets make this holiday season unforgettable in your new home! 🎁

Stephanie Floyd
Mortgage Loan Officer - NMLS 1428069
Ent Credit Union
☎️ 720-556-8596
📧 [email protected]
www.ent.com/sfloyd

09/25/2024

Home from an amazing trip to France. 🇫🇷 If you’ve never been to Antibes (or the French Riviera), add it to your list! I’m officially in love with it. 😍 I’m also back to work crunching numbers for my buyers and realtors! Getting lots of refinance inquiries again too. Interest rates are down and now is the time to get on it. 🏡 As always, feel free to reach out with any home loan questions! I’m happy to help.

Stephanie Floyd
Mortgage Loan Officer - NMLS 1428069
Ent Credit Union
☎️ 720-556-8596
📧 [email protected]
www.ent.com/sfloyd

09/03/2024

🏡🔍 Curious about what makes up your mortgage payment? Here is a breakdown of the key components: Principal 💵: The amount of money you borrowed to buy your home. Each payment reduces this balance. Interest 📉: The cost of borrowing money, calculated as a percentage of the principal. This is how lenders earn their profit. Property Taxes 🏠💰: Taxes levied by your local government, often collected in monthly installments and held in an escrow account. Homeowners Insurance 🛡️: Covers damage to your home and personal property. Payments are typically included in your monthly mortgage. Private Mortgage Insurance (PMI) 📋: Required if your down payment is less than 20% of the home’s value. It protects the lender in case of default. Understanding these components can help you manage your mortgage and budget more effectively. Have questions? Let’s dive into the details together! 💬✨

08/31/2024

My natural habitat 🌲 📖 🍷 If I’m ever lost, you will probably find me here…