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Author: Nathan Jennison

Life in the Mile-High City: 5 Reasons Why Denver is the Place to Be

Looking to relocate to Denver and curious about the quality of life? With the city’s thriving economy, diverse neighborhoods, and ample outdoor recreational opportunities, Denver has become a popular destination for those looking for a new place to call home, and getting a mortgage to buy your dream home is easier than ever; contact The Mortgage Architects today!

Living in Denver affords a covetable quality of life that’s one-of-a-kind and is one of the best places in the United States to work and raise a family. Nestled in the awe-inspiring Rocky Mountains offers a panoramic view like no other. Denver also is home to the nation’s most extensive public park system and 300 days of sunshine a year! Active lifestyles and recreation are a huge draw and are why Denver residents are among the healthiest in the nation. Living here offers apparent advantages for families and individuals you can’t find anywhere else. 

Life in Denver – Sunshine and Snow

Denver is the entry to the Rocky Mountains and has four distinct seasons, but overall the climate is phenomenal all year-round! Spring will typically be pleasant, with cooler nights and the occasional snowfall. Summers are warm, not hot, with highly comfortable evenings and nights. Fall will last for months and is the favorite time of year for many residents in Denver, and winter will bring an excellent contrast of sun and snow. Storms in Denver are very short-lived, and snow will usually melt rapidly. Occasionally Denver will experience an extended period of snow days, but this won’t be the norm. Most winters will come and go quickly, which is why Denver has over 300 days of sunshine per year. The Denver Metro Area is well known for its overall delightful weather. At the same time, the mountains and ski resorts will receive significant annual snowfall, which allows residents to enjoy an active outdoor lifestyle all year long. 

High Quality of Life

The quality of life in Denver is like no other and is critical to the retention of Denver’s dynamic workforce and is essential to the successful growth of business and industry. Denver is a magnet for pragmatic people from all walks of life for several important reasons. Denver offers reasonable commute times, a mild 4-season climate, unbelievable recreational opportunities, breathtaking scenery, cultural facilities, world-class school systems, and a healthy populace. All of this combined makes Denver and its neighboring cities an unrivaled and ideal place to call home. 

Cultural Aspects of Living in Denver

Colorado’s art scene is exploding, and the cultural resources available to the public are unmatched. Colorado is a national leader in funding the arts, which are abundantly and wildly supported by the public and private sectors. A small sales tax is set aside for culture and the arts that Colorado voters recently renewed to ensure the continued enhancement of community life. The Denver Performing Arts Complex is the largest facility of its kind under one roof, rivaling anything outside of New York City. The Red Rocks Amphitheater is world-famous for its concert venues. Living in Denver will provide you with musical and performing arts festivals that will always have something for everyone- pop, classical, rock, jazz, bluegrass, and country western, to name a few, along with Broadway, ballet, opera, and multiple regional theaters.

Interested in more cultural aspects of living in Denver? Check out our article: The Art of Living: Denver’s Cultural Scene

Some Quick Statistics About Living in Denver

It wouldn’t surprise you that Colorado cities and towns will pop up frequently in national rankings of the best places to work and live. Colorado ranks in the Top 10 nationally for numerous quality-of-life indicators, including: 

  • 2nd in percent of adults who have obtained a college degree or higher
  • 6th in annual days of sunshine
  • 6th in households with computers
  • 6th in small business tax climate (according to the Tax Foundation)
  • 8th highest per capita income
  • 10th highest median income

Unbeatable Outdoor Lifestyle

The number of outdoor activities in Denver seems limitless. Whether you enjoy fishing, camping, hiking, or biking, all kinds of other outdoor adventures await the residents of Denver. Colorado is truly unique in this way! This is a paradise with limitless possibilities, and this all comes with its absolutely gorgeous natural backdrop of the Rocky Mountains! The Denver area is the nation’s most extensive park system, with endless activities all year. Thousands of acres of vast open space allow citizens to completely immerse themselves minutes away from their front door. 

Professional Sports Venues

Sporting News has ranked Denver as one of the top 7 best cities for sports in the country! 

  • Denver Broncos football – Sports Authority Field and Mile High
  • Colorado Rockies baseball – Coors Field
  • Colorado Mammoth lacrosse – Pepsi Center
  • Colorado Rapids soccer – Dick’s Sporting Goods Park
  • Denver Nuggets basketball – Pepsi Center
  • Colorado Avalanche hockey – Pepsi Center

Denver Metro is a hub for the nation’s newest and top sports venues, all recently constructed within the last 15 years! Located in or near downtown Denver, revitalizing the Central Platte Valley and the Lower Downtown area (LoDo) into a lively entertainment and shopping district. 

With its beautiful scenery, cultural richness, fantastic weather, quality of life, courteous people, recreation, and sporting events, there’s no question as to why so many are flocking to Denver to find a place to call home. Whether you’re a young professional, a family with children, or a retiree looking for a change of pace, Denver has everything you could ever want in a city! Get started today by visiting The Mortgage Architects.

New Partnership Gives Home Sellers & Buyers Huge Advantage

Renovation Sells + The Mortgage Architects

+ Challenge for Sellers

Modern home buyers want move-in-ready homes, which makes it challenging for sellers to get the most value out of their homes without breaking the bank.

+ Challenge for Buyers

The limited inventory in the real estate market creates issues for home buyers. As a result, they face competition with other buyers, struggle to find homes with desired features, or end up paying more than initially planned.

Renovation Sells: Making Homes Ready for the Market

Renovation Sells is a company that offers affordable and timely renovations for people selling their homes. They specialize in designing and constructing affordable cosmetic renovations specifically tailored to the wants and needs of future buyers. Their services result in faster sales at higher prices, making homes ready for the market.

Renovation Sells works with experts to determine what home updates are needed based on the return on investment. They handle the design and renovation work, and help sellers get the most value out of their homes. Renovation Sells focuses on designing affordable cosmetic renovations that are specifically tailored to the wants of the future buyer.

Partnering with The Mortgage Architects: Renovation Loans for the Buy Side

Partnering with The Mortgage Architects, Renovation Sells helps on the buying side for home buyers experiencing high competition from other buyers resulting in bidding wars or getting priced out of the market. With a renovation loan from The Mortgage Architects, the home buyer can look at homes with less competition, complete the renovation before move-in, all with costs covered by the renovation loan mortgage, and the timely work completed by Renovation Sells.

Case Studies: How Renovation Sells Adds Value to Properties

Renovation Sells has helped many homeowners and realtors increase the value of their properties while keeping costs low. View case studies on their website here.

The Demand for Move-In-Ready Homes

Data and research indicate that millennials and modern home buyers want move-in-ready homes. According to a survey from Bank of America, 67% of millennials are “likely” to buy a house in the next two years. As more and more millennials become homebuyers, they seek out homes that are move-in ready. Move-in ready homes sell faster, helping real estate agents sell more homes and helping homeowners sell at higher prices.

Make Your Home Instagram Ready 📸

If you’re a home seller or buyer looking to get the most value out of your property or find a move-in-ready home, connect with experts at Renovation Sells and The Mortgage Architects. Renovation Sells provides affordable and tailored renovations to make homes ready for the market, while The Mortgage Architects offers renovation loans to help buyers complete timely renovations before move-in. Don’t miss out on the opportunity to increase your home’s value or get your dream home – contact Renovation Sells and The Mortgage Architects today.

The Great Outdoors: How Denver is the Ultimate Destination for Adventure Seekers

House hunting can be exciting, but have you considered the location and lifestyle that comes with your potential new home? If you’re searching for a place to live that combines the beauty of nature with the convenience of urban living, Denver is the perfect city for you. With its breathtaking scenery and abundance of outdoor activities, you’ll never have a dull moment in the Mile High City – and getting a mortgage to call it your own is easier than you might think. Check out these must-try activities in Denver that are just a hop, skip, and jump away from Mile-High City. When you are ready to start house hunting, contact The Mortgage Architects to get pre-approved.

Shredding the Slopes at Vail Mountain Resort

With an average of 350 inches of snowfall, each yeah Vail is a winter wonderland with 3,500 vertical feet of mountain, over 30 ski lifts, and 5000 acres of terrain, where you can ski or snowboard to your heart’s content. After a long day of hitting the slopes, you can rest and relax in one of Vail’s restaurants and bars for a well-deserved drink and bite. Get unbeatable happy hour specials from 3-7 PM at the George restaurant, or visit one of the various locations within walking distance of the extravagant Vail Four Seasons.  

Tacking the Rapids on the Colorado River

In the spring and summer, gear up to raft down Class IV rapids with Geo Tours! Located just minutes from downtown Denver, they’ll provide all the necessary equipment and guides. You can choose from a half-day, full-day, or even an overnight adventure on the Colorado River, Arkansas River, or Clear Creek! 

If you’re looking for even more reasons to make Denver the place to call home, check out our article Life in the Mile-High City: 5 Reasons Denver is the Place to Be!

Snowshoe in Rocky Mountain National Park

You can strap on a pair of snowshoes from November to April and explore the Rocky Mountain National Park! After renting your gear from R.E.I. in downtown Denver, you can get ready to hit the trails. The Bear Lake hike is a must with its stunning alpine scenery and mountain lake views. Remember, the roads can be a bit icy, so a 4-wheel drive vehicle is recommended for this expedition. 

Biking the Buffalo Creek Trails

Mountain Bikers, get ready! The front range of the Rockies is a paradise for you! The go-to ride spot is Buffalo Creek, this 23.6-mile trail system is just an hour away from Denver. With rolling singletrack trails and a breathtaking mountain backdrop, it’s a natural roller coaster ride. Choose from multiple loops and customize your excursion.

Backcountry Ski in Estes Park

From November to July, you can conquer the backcountry with ClimbingLife in Estes Park, which offers guided adventures through the best peaks east of the Continental Divide. Ranging from 9,500 to 14,200 feet in altitude, this no-experience-necessary experience is a dream for anyone ready to take on the Rocky Mountains! 

Horseback Riding Under the Stars

If you want a taste of the Wild West, you can go horseback riding throughout the Rockies! A&A Stables offers unbeatable tours for any level of experience, including overnight camping trips and rides under the full moon. The full moon ride will last about 6 hours and take you past a historical mine to Central City, where you can wine, dine, and gamble! 

So, pack your bags, grab your board, or saddle up and head to Denver for a wild and adventurous lifestyle in the Rockies by contacting The Mortgage Architects today!

REB Podcast: Nathan Jennison on the Benefits of Using an Independent Mortgage Broker

Are you thinking of buying a house or refinancing your mortgage? If yes, then check out the latest episode of the REB Lender’s Table Podcast, hosted by Oyabiyi Ajinaku, also known as Bee, a real estate broker in Chicago. In this episode Bee sat down with Nathan Jennison, a seasoned independent mortgage broker, to discuss the benefits of working with an independent mortgage broker, saving money, and what’s going on with the market. Whether you’re a first-time homebuyer or an experienced homeowner, this podcast is a must-listen. So, grab a cup of coffee and tune in to the REB Podcast to learn more about the advantages of having an independent mortgage broker in your corner.

Meet Bee, the Chicago Real Estate Broker

Bee, a real estate broker in Chicago, began her career as a leasing agent and later became a licensed broker. With her passion for real estate development, she has assisted numerous investors in purchasing flip projects and long-term investments. Bee consults investors on capital use for high returns and educates homeowners and investors about navigating the industry. Her vast knowledge of the real estate market, along with her team, makes her a powerful asset to address your real estate needs. Bee’s dedication to customer service is evident as clients continue to work with her for their real estate needs.

Don’t Undervalue Your Financial Position, Contact Us Today

At The Mortgage Architects, we believe that everyone deserves a chance to own a home and build wealth through property ownership. The banking industry can be intimidating, and many people feel unprepared or undervalue their financial position, causing them to miss out on the potential for home appreciation and long-term financial stability. That’s why we’re here to help you every step of the way, providing personalized guidance and support to make the process of homeownership as smooth and stress-free as possible. Contact us today to learn more about how we can help you achieve your real estate goals and secure your financial future.

Why Denver is a Foodie’s Dream Destination: A Guide to the City’s Most Delicious Neighborhoods

If you’re looking to take the best bite out of life, Denver is definitely your destination for one-of-a-kind culinary masterpieces! If food is what moves you, this is the perfect place to be! Get your move on by contacting The Mortgage Architects in Denver.

Why Denver is a Foodie’s Dream Destination: A Guide to the City’s Most Delicious Neighborhoods

Get ready for an epic culinary adventure in Denver! Whether you’re in the mood for pillow-soft pita and hummus, out-of-this-world pizza, or decadent ice cream that’s worth the wait, then we’ve got you covered. So, tie on a bib and get ready to discover Denver’s top food stops! 

Safta Restaurant

First and foremost, we’ve got Safta Restaurant in RiNo. This eatery will serve up a menu of heavenly dishes, but the real show stopper is their pita and hummus. These wood-fired pitas are so fluffy they melt in your mouth. And the hummus? Let’s say there won’t be a single drop left behind. Whether you’re in the mood for a savory lamb ragu with crispy chickpeas, the buttery mushroom topped with chives, or the classic tahini sprinkled with Aleppo pepper, Safta is guaranteed to blow you away! 

Redeemer Pizza

If it’s pizza you’re craving, Redeemer Pizza in RiNo is a must-go. This pizzeria has brought the classic pie to new heights with the slow-fermented sourdough crust and top-notch ingredients, including local Elevation Charcuterie soppressata and pickled Pioppino mushrooms. But everyone knows that the best pizza always boils down to the sauce; in this case, Redeemer Pizza, in collaboration with Diebolt Brewing Company, brings you an I.P.A. that’s a perfect pairing with every slice. 

Right Cream

For dessert, make sure to head to Right Cream in Rosedale. This ice cream parlor started as a pandemic-era delivery service but has quickly become Denver’s must-visit sweet treat. You’ll find a new favorite with imaginative flavors like the Cookies & C.R.E.A.M., and horchata spiced shortbread crumble. Their shop is adjacent to Denver Beer Co.’s South Downing location, giving you even more indulging opportunities. 

Rosenberg’s 

Rosenberg’s in Five Point & Aurora has you covered for bagel lovers. With a system that replicates N.Y. water, they’re serving up authenticity. Whether you choose a classic or divulge in the house-cured lox, Rosenberg’s always delivers. 

Star Kitchen Chinese Seafood Restaurant

If you’re searching for a bite of Chinese cuisine, head over to Star Kitchen Chinese Seafood Restaurant in Athmar Park for dim sum. Their roving carts are ready to serve up plate after plate of deliciousness, from fried shrimp dumplings with mayo to pork and shrimp shu mai. But, if you’re in a hurry, their entire dim sum menu is also available to go.

My Brother’s Bar

If a mouthwatering burger is what you’re looking for, the J.C.B. at My Brother’s Bar in Highland is your destination. This classic bar has been serving their local-favorite whiskey and J.C.B. burger, which oozes with jalapeno cream cheese, for decades. 

La Fogata Mexican Restaurant

Last but not least, La Fogata Mexican Restaurant in Goldsmith and Hampden South serves a Denver classic: the Mexican Hamburger. This comfort food blend of beef burgers served inside a flour tortilla with refried beans smothered in green chile and topped with melty cheese, lettuce, and tomatoes is a staple of Den-Mex culinary art. 

Denver is in no short supply of culinary delight to tantalize your taste buds and leave you in a food coma. From the fluffy pita and hummus at Safta Restaurant, the mouthwatering bagels and lox at Rosenberg’s, to the satisfying Mexican hamburgers at La Fogata Mexican Restaurant, you’ll never be left in want for something delicious to bite into.

If you’re interested in finding other hidden locations in Denver, check out our post: 5 Hidden Gems in Denver Neighborhoods Perfect for Young Homebuyers.

NEW— All In One Loan™ Available Now

Exciting news, everyone! The Mortgage Architects is thrilled to announce our newest loan product, the All In One Loan™! It’s a game changer for anyone looking to gain greater control over their housing costs and live more securely.

Here’s everything you need to know:

What Is It?

This loan is a 30-year financial tool that comes with an integrated sweep-checking account. In other words, it combines your home financing and personal banking needs into one dynamic tool.

How Does It Work?

With the All In One Loan™, you can put your idle savings and income dollars to work to reduce your mortgage interest expense. The flow of your income dollars and idle savings are automatically swept to the financial tool and used to lower your loan’s daily balance. This means that the interest on your loan recomputes nightly based on your loan’s unpaid principal balance, resulting in significant savings over time.

You don’t pay your bills all in one day, so that money sits in your regular checking account earning no interest at all. But if you put it into your mortgage, you are buying the mortgage principal down. Every day that the money sits in there you are paying less.

– JENNIFER D. , CUSTOMER

What Can Be Accomplished?

With the All In One Loan™, borrowers can save tens, if not hundreds, of thousands of dollars in mortgage interest and own their home in half the time or less compared to a traditional loan. Plus, funds that are deposited and used to pay down principal, as well as equity dollars, remain available for use without needing to refinance over thirty years.

We are making more than we’re spending and that is just driving the debt down. We ended up with our dream home that we’ve renovated, plus a second beach home, all because of the All In One.

– DEAN A., CUSTOMER

What Does It Come With?

The All In One Loan™ comes with all the same features you’re accustomed to with your current checking account. It’s a seamless integration of all your banking needs and mortgage payments, making it easier to manage your finances and plan for the future.

Insights from Nathan Jennison, Founder & Managing Broker

“This loan allows their money to work for them while waiting to be spent. It will enable them to pay off their mortgage far more quickly without changing their financial habits, giving them the ability to handle oversized life circumstances such as needing to fund college and even purchase a second or investment property. It gives them a vehicle towards financial freedom and flexibility that is far more powerful and useful than a traditional 30-year fixed-rate mortgage.”

The All In One Loan™ will be a valuable tool for anyone looking to save money on their mortgage and achieve greater financial freedom. We’d love to show you how to use our All In One Loan Calculator so you can see your potential savings. Contact us today to learn more about the All In One Loan™ and see if it’s right for you!

New Home Buyer Checklist

Ready to make your homeownership dreams a reality? Download our New Homebuyer Checklist now! Simply fill out the form and let us guide you every step of the way. Don’t miss out on the keys to a smooth and successful homebuying journey – grab your checklist today!

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