Business Details
Your Trusted Mortgage Broker in Aurora, CO
As Your Mortgage Engineer, I bring a unique blend of engineering precision and mortgage expertise to help clients navigate the complexities of home financing. With over eight years of experience as a Senior Licensed Mortgage Broker and partnerships with 20+ lenders offering 30+ loan programs, I specialize in tailoring solutions for first-time buyers, refinancers, and those with unique financial circumstances.My approach combines technical analysis with personalized service, ensuring clients understand all fees and options while benefiting from competitive rates. Backed by a background in electrical engineering and a commitment to honesty, I prioritize client needs over commissions, offering flexible scheduling and transparent guidance from application through closing.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
203k Rehab Loans
Good Neighbor Loans
Bridal Down Payment Registry
Highlights and features
- We work with 20+ lenders to find your optimal loan program
- Our engineering background ensures precise mortgage analysis
- Transparent fee structures with no hidden charges
- Available evenings and weekends for client convenience
- Specialized expertise in FHA 203k rehab and jumbo loans
What people say
Honesty and work ethic
Refreshing compared to past experiences
Tailored loan programs
Transparent fees
Weekend availability
Services
FHA 203k Loans
FHA 203k Loans enable buyers to finance home purchases and renovation costs in a single mortgage. These government-insured loans require 3.5% down payments and cover properties needing repairs. Borrowers can access $5,000-$35,000 (streamlined) or $35,000+ (full rehab) for improvements, with contingency reserves for unexpected costs. Ideal for fixer-uppers requiring pre-move-in renovations.
Jumbo Loans
Jumbo Loans exceed conventional conforming loan limits ($417,000+), catering to luxury home buyers. These non-conforming loans require stronger credit profiles and larger down payments. Competitive rates apply despite higher risk perceptions, with specialized underwriting for properties exceeding standard loan thresholds in high-cost markets.
VA Loans
VA Loans provide zero-down payment options for eligible military personnel and veterans. Backed by the U.S. Department of Veterans Affairs, these loans eliminate mortgage insurance requirements and offer favorable terms. Qualification requires honorable discharge documentation, with specific benefits outlined through the VA's official program guidelines.
Conventional Loans
Conventional Loans suit borrowers with strong credit seeking flexible down payment options (5-20%). Available as conforming (Fannie Mae/Freddie Mac guidelines) or non-conforming portfolio loans, they require minimum 620 credit scores. Ideal for those with stable income histories and properties meeting standard underwriting criteria.
USDA Loans
USDA Loans offer zero-down financing for properties in designated rural areas. Administered through the U.S. Department of Agriculture, these loans feature low interest rates (as low as 1%) and income eligibility limits. Perfect for buyers seeking affordable financing in qualifying locations outside urban centers.
People
Tammi Robson
Licensed Mortgage Broker
Senior Licensed Mortgage Broker with 8+ years experience, holding LMB #100021746 and NMLS #384003 licenses. Former electrical engineer with Summa Cum Laude honors from University of North Florida, applying technical expertise to mortgage analysis. Specializes in non-traditional loan programs and client-focused solutions.
Kurt Haneke
Real Estate Professional
Full-time real estate and mortgage broker with 26 years of experience in Denver Metro markets. Specializes in residential and investment property transactions, leveraging local market knowledge. Holds NMLS license through Metro Lenders, Inc., serving clients from Castle Rock with personalized service.
Questions
What loan programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, 203k rehab, and specialized programs like Good Neighbor Next Door loans through 20+ lending partners.
Are you a direct lender or broker?
We operate as an independent mortgage broker with access to 30+ loan programs from 20+ lenders, ensuring customized financing solutions.
What credit score do I need?
Minimum 620 for conventional loans, though FHA accepts lower scores with compensating factors and VA has flexible requirements.
Do you offer weekend appointments?
Yes, we provide flexible scheduling including evenings and weekends to accommodate client availability.
How are your fees structured?
We disclose all fees upfront with no hidden charges, explaining lender credits, closing costs, and mortgage insurance requirements transparently.
Can I use gift funds for down payment?
FHA and Bridal Down Payment Registry programs allow 100% gifted funds, while conventional loans permit gifts with proper documentation.
