01
Purchase
Great rates on FHA, VA, Conventional, USDA, and down payment assistance loans. We shop multiple lenders to find the best fit, and we plan to be your lender for life.
- First-time and move-up buyers
- Pre-approval letters that win offers
Now processingloan assumptions
Call us today1.800.931.2961
Mortgage broker · NMLS #1891147
Your home finance experts in Colorado Springs, CO
Buying a home should be exciting, not stressful. Whether it's your first purchase, a refinance, or an assumption, our loan officers treat you like family and make the process smooth and worry-free.
★★★★★
Loan officers who are ready to help
5Loan programs, from FHA, VA, Conventional and more
3Ways to finance: purchase, refinance, or assume
#1891147NMLS registered mortgage broker
What we doEvery path home,
Every path home,
handled by one team.
As brokers we are not tied to a single bank. We compare lenders, explain the trade-offs in plain English, and let you choose.
02
Refinance
Competitive refinance rates for primary, vacation, and rental properties. Lower your payment, consolidate expenses, or take advantage of a better rate.
- Lower payment or shorter term
- Primary, vacation & rental homes
03
Assumptions
Take over an existing mortgage with its current terms, often at a much lower rate. We specialize in assumptions and handle every detail of the transfer.
- Keep the seller’s lower rate
- FHA, VA & USDA assumable loans
FHAVAConventionalUSDADown payment assistance
“This lender is amazing, as they truly do their homework and due diligence to be sure they can close the loan at the best rate possible.”
The broker advantageOne application.
One application.
Many lenders competing for you.
We save you money
We shop your loan across lenders instead of selling you one bank’s product, so you get the rate and terms that fit.
We save you time
One application, one point of contact. We chase the paperwork and keep you updated until the day you close.
Straight answers
If another option is genuinely better for you, we will tell you. That honesty is why clients come back to refinance.
How it worksFrom first call
From first call
to your front door.
Five clear steps, one officer who knows your file, and no surprises at the closing table.
- 01
Talk to a loan officer
A quick call about your goals, budget, and timeline. No pressure, just a clear picture of what is possible.
- 02
Get pre-approved
Share your income and asset documents and we issue a pre-approval letter to accompany every offer you make.
- 03
Shop and make an offer
Find the right home with your agent. We compare lenders in the background so your rate is ready when you are.
- 04
Lock and underwrite
We lock your rate, order the appraisal, and handle underwriting conditions while keeping you updated at every step.
- 05
Close and get your keys
Sign, fund, and move in on the date we promised. Then we stay your lender for life.
Tips to get startedProtect your approval
Protect your approval
from offer to closing.
Lenders re-check your finances right up to closing day. A few simple habits keep your loan on track.
The do’s
- Decide on a down payment based on your available funds
- Set a monthly payment that fits comfortably in your budget
- Start gathering income and asset documents early
- Get pre-qualified early and secure a pre-approval letter from our team
- Include your pre-approval letter with every offer you make
The don’ts
- Make major purchases like furniture, appliances, vehicles, or vacations
- Change or quit your job
- Move large amounts of money in or out of your bank account
- Pay off debts or collections unless a mortgage professional tells you to
- Apply for any other loans or new credit
Not sure about something? Just ask.
Call us any time with questions. We are here to make it easy.
Meet the teamReal people,
Real people,
treating you like family.
Licensed loan officers who answer the phone, explain every option, and close on the date they promise.
Our officesLocal roots,
Local roots,
licensed across the country.
Client storiesHear it from
Hear it from
the families we’ve helped.
Buyers and homeowners on what it was like to work with our team, from first call to closing day.
★★★★★Five-star experiences, in their own words
Communication is key and I always got a quick response whenever I had a question. This team is the best!
01 / 07
QuestionsGood questions,
Good questions,
straight answers.
Can’t find what you are looking for? A loan officer is one call away.
Call 1.800.931.2961What is the difference between a mortgage broker and a bank?
A bank can only offer its own loan products. As a broker, we compare options from multiple lenders and match you with the rate and terms that fit your situation, which often saves you both time and money.
What is a loan assumption?
An assumption lets you take over the seller’s existing mortgage, including its interest rate and remaining term. FHA, VA, and USDA loans are generally assumable with lender approval. You typically cover the difference between the purchase price and the remaining balance with cash or a second loan, and we help you plan for it.
When should I get pre-approved?
Before you start touring homes. A pre-approval tells you exactly what you can afford and shows sellers you are a serious buyer. You will want the letter to accompany every offer you make, and we can refresh it if your search takes longer than expected.
What documents will I need?
Most buyers need recent pay stubs, W-2s or tax returns for the last two years, recent bank statements, and a photo ID. Self-employed borrowers may need a few more items. Your loan officer will send you a simple checklist.
Can I refinance a rental or vacation home?
Yes. We offer competitive refinance options for primary residences, vacation homes, and rental properties, whether your goal is a lower payment, consolidating expenses, or a better rate.
Which states do you lend in?
We are currently licensed in 10 states: Arizona, California, Colorado, Florida, Idaho, Iowa, Oregon, Pennsylvania, Texas, and Washington. Full license details are on our State Licensing page. View licenses
Does it cost anything to talk to a loan officer?
No. A conversation with one of our loan officers is free and there is no obligation. We will walk through your goals and options so you can decide what is right for you.
Ready when you are
Let’s make homeownership feel simple again.
Start your application online in minutes, or talk it through with a loan officer first.