Jeremy Stebbins - Xpert Home Lending

07/01/2026

REALTORS - Your CMA Might Be Answering the Wrong Question

I've noticed recently that many listing conversations still focus primarily on what comparable homes sold for.

Obviously, sold data is essential. That's how we establish value.

But buyers aren't comparing your listing to homes that sold 60 or 90 days ago. They're comparing it to whatever else is available today.

That changes the conversation.

Instead of asking, "What is this home worth?" I've started thinking the better question might be:

"What does this home have to beat?"

Sometimes the answer is price.

Other times it's presentation, condition, seller concessions, or simply being the easiest home for a buyer to say yes to.

None of that replaces a solid CMA. It just reminds me that sellers aren't competing with history—they're competing with today's inventory.

I expanded on that idea in this week's Colorado Springs Market Lab.

I'd be interested to hear if other agents have been approaching listing appointments differently this year.

https://45135829.hs-sites-na2.com/your-cma-might-be-answering-the-wrong-question-colorado-springs-market-lab

06/22/2026

It’s never been easier to learn about home financing and apply for a mortgage at our website:

www.mortgage101team.com

- How long does the application process take?
- How much equity can I tap into?
- How much can I qualify for?
- What would a mortgage payment look like on a property like this?

You are only minutes away from finding out what you need to know for your future!

Jeremy Stebbins

06/16/2026

Why work with a local mortgage broker on your next home purchase or strategic refinance?

Simply comes down to two simple words. “Access more.”

Access more pricing packages, more banks, more loan programs. MORE EVERYTHING that the mortgage industry as a whole has to offer.

More is good in mortgage lending - you and your family deserve more when making such a substantial life decision. More options can potentially save you ten’s of thousands in the next decade after your home purchase and beyond.

06/03/2026

$38,850 - the potential cost of waiting one year to buy a home in COS.

Think these are fluffed up numbers to make marketing look better? Think Again.

If you factor in a median priced home in the area (450k), expected appreciation (2.5%) and average rent for a SFH ($2,300)… this could very realistically be the wait cost in Colorado Springs.

This is particularly true of extra desirable properties, where bidding wars and multiple offers are happening in spite of rates remaining elevated.

Ready to explore options? DM me for a non-committal and judgement-free exploratory workshop of what you could qualify for.

Jeremy Stebbins

04/24/2026

As always, it is one of the most fun parts of my job to help an investor analyze a properties cashflow potential and help them find great mortgage terms.

Buying an investment property with a mortgage not only can give you a better cash-on-cash return and provide cashflow BUT ALSO protect your other liquid investments as a shock absorber and create massive tax advantages over time.

Jeremy Stebbins

04/16/2026

$1,000 out of pocket! 🏆🎗️

This market is a goldmine for buyers. With the ability to negotiate for 3-6% in concessions - upfront cost savings allow buyers to HANDS DOWN save more in thee first 3-4 years of home ownership than any other time in the last decade plus.

Jeremy Stebbins

04/01/2026