I broker home loans across Colorado for buyers, owners and investors. I take your call myself, and I am the one who tells you where your file stands on a Tuesday afternoon three weeks in.
I have written loans in Colorado for more than ten years, long enough to have worked through a refinance boom, a rate shock and the quiet stretch that followed each one. That history shows up in your file, because a program that looks clever this quarter is usually one I have already watched play out.
Most of my business arrives through someone I worked with before, or through the agent who sat across the closing table. I would rather earn the next referral than close a loan you regret.
Call SteevThe person who takes your call is the person who works your file. I hand nobody to a processing queue, and I stay on the file after the pre-approval letter goes out.
I work across many lenders rather than one, so your file goes where it fits instead of where it has to go. Two lenders can price the same borrower very differently, and the spread is usually worth real money.
A lower rate usually means points at closing. A smaller down payment usually means mortgage insurance. I put the numbers side by side and tell you which one costs less over the years you plan to keep the house.
County tax rates, appraisal timelines on the Front Range, short-term rental rules in the mountain towns, and the assistance programs that exist only here. Local knowledge shortens a file by weeks.
I break down rate moves, program changes and the parts of a loan file most people never see, in short videos, most weeks. If you want to understand the market before you talk to anyone, start there.
600 Cherry Street, Suite 143, Denver. Visits by appointment, and the reviews live on the Google listing.
Open in Google Maps and read the reviewsHe answers at any hour, most days, and he calls back the same day when he cannot. No application and no credit pull to begin.