Business Details
22 Years
experience
Your Trusted Denver Mortgage Lender
American Liberty Mortgage has been a trusted Denver-based mortgage lender since 2004, dedicated to providing personalized service and competitive rates. Our team of experienced professionals specializes in FHA, VA, conventional, and reverse mortgage programs, tailored to meet individual client needs. With a commitment to transparency and customer satisfaction, we prioritize secure transactions and low closing costs while supporting clients through every step of their home financing journey. Our locally owned operation extends across Colorado, serving communities with expertise honed over two decades in the industry. 
Services
Home Purchase Loans
Mortgage Refinancing
Reverse Mortgages
FHA Streamline Refinance
VA IRRRL
Jumbo Loans
FHA 203K Rehab Loans
Construction Loans
Debt Consolidation
Colorado Home Loans
Details
- Year established: 2004
Highlights and features
- We have over 21 years of experience in mortgage lending.
- Our team offers personalized service tailored to your needs.
- We specialize in FHA, VA, and conventional loan programs.
- We provide competitive rates and low closing costs.
- We are committed to secure and transparent transactions.
What people say
Second to none service
Best interest rate
Trusted throughout Denver
Low closing costs
Personalized solutions
Services
Reverse Mortgages
Reverse mortgages allow homeowners aged 62+ to convert home equity into tax-free cash without monthly payments. Our FHA-insured programs offer lump sums, monthly payments, or credit lines while maintaining property ownership. We ensure compliance with HUD regulations and provide clear guidance on interest accrual and repayment terms.
Mortgage Refinancing
Our refinancing options lower monthly payments, consolidate debt, or adjust loan terms through FHA, VA, and conventional programs. We specialize in streamline refinances with reduced documentation and no appraisal requirements for qualified borrowers in Colorado and select states.
Home Purchase Loans
We offer purchase loans for conventional, FHA, VA, and jumbo mortgages with competitive rates and flexible down payment options. Our specialists assist first-time buyers and investors in securing financing tailored to their financial situation and property goals.
Construction Loans
Our one-time close construction loans finance new home builds with fixed rates locked upfront. Builders and buyers benefit from streamlined processes, 80% LTV options, and permanent financing secured at initial closing without future underwriting hurdles.
FHA Streamline Refinance
This program reduces rates and payments for existing FHA borrowers without appraisals or income verification. We cover closing costs and offer skipped payments for qualified applicants in Colorado, Utah, and Iowa.
People
Seth Gallaher
President
With over two decades of leadership, Seth Gallaher guides American Liberty Mortgage's strategic growth while maintaining a client-focused approach to mortgage solutions.
Bruce Simmons
Reverse Mortgage Specialist
CRMP-certified expert Bruce Simmons has specialized in reverse mortgages for 18+ years, featured on Colorado & Co for his industry expertise and client advocacy.
Darrin Foster
CFO
Darrin Foster combines financial oversight with on-air education through KLZ 560 AM, helping Colorado residents improve financial literacy and mortgage decision-making.
James Park
Branch Manager
As a senior loan originator with NMLS #28159, James Park delivers personalized mortgage solutions from initial consultation to closing for Denver-area clients.
Jennifer Hill
Loan Advisor
Jennifer Hill leverages 15+ years of experience to guide clients through refinancing, home purchases, and reverse mortgage options with clear, jargon-free communication.
Questions
What mortgage programs do you offer?
We provide FHA, VA, conventional, jumbo, reverse mortgages, streamline refinances, construction loans, and FHA 203K rehab programs for Colorado residents.
Can I refinance without an appraisal?
Yes, our FHA Streamline and VA IRRRL programs allow qualified borrowers to refinance without appraisals or income verification in select states.
How does a reverse mortgage work?
Homeowners 62+ convert equity into cash with no monthly payments. The loan becomes due when the home is no longer primary residence or the borrower turns 150.
Do you offer first-time homebuyer programs?
Yes, we specialize in first-time buyer loans with low down payments and flexible qualification through FHA and conventional programs.
What areas do you serve?
We primarily serve Denver, Boulder, Colorado Springs, and surrounding areas with select programs available in Utah and Iowa.
How quickly can I get pre-approved?
Our digital application process allows for same-day pre-approval with minimal documentation required for most loan programs.
