Business Details
30 Years
experience
Your Trusted Mortgage Partner for Home Loans & Refinancing
Since 1996, we have been dedicated to simplifying the home loan process for our clients. With nearly three decades of experience, our team of mortgage advisors specializes in navigating complex loan programs and delivering personalized solutions. Our A+ Better Business Bureau rating reflects our commitment to transparency, customer satisfaction, and ethical practices. We pioneered the Lowest Rate for Life program, ensuring clients benefit from below-market rates without additional fees, a trademarked innovation that protects against rate fluctuations.Our 99% customer satisfaction rate and repeat clientele underscore our focus on exceptional service, quick closing times, and tailored guidance through every stage of the mortgage journey. We pride ourselves on saying 'yes' where others say 'no,' supporting borrowers with credit challenges, high debt-to-income ratios, and unique financial circumstances.
Services
Home Loans
Refinancing
HELOCs
Mortgage Advice
Lowest Rate for Life
Details
- Year established: 1996
Highlights and features
- We maintain an A+ Better Business Bureau rating for ethical practices.
- We offer tailored mortgage solutions for borrowers with credit challenges.
- Our Lowest Rate for Life program guarantees fee-free refinancing for life.
- We have a 99% customer satisfaction rate with repeat clientele.
- We provide personalized guidance through complex mortgage scenarios.
Associations and certifications
- Better Business Bureau (BBB)
What people say
Smooth process
Knowledgeable team
Exemplary service
Quick closing
Terrific communication
Services
Home Loans
We specialize in customized home loan solutions tailored to diverse financial situations. Our expertise includes conventional, FHA, and jumbo loans, with flexible terms for first-time buyers and seasoned homeowners. Clients benefit from competitive rates and streamlined approval processes, even with credit challenges or high debt ratios.
Refinancing
Our refinancing services help homeowners reduce monthly payments, shorten loan terms, or access equity. The Lowest Rate for Life program ensures clients can refinance at no additional cost whenever market rates drop, providing long-term savings and financial flexibility without appraisal or lender fees.
HELOCs
We offer HELOCs up to 90% loan-to-value ratios, enabling homeowners to leverage equity for renovations, debt consolidation, or emergencies. Our flexible terms include low introductory rates and no hidden fees, with personalized guidance to ensure responsible borrowing and optimal financial outcomes.
Mortgage Advice
Our advisors provide expert guidance on mortgage options, credit improvement, and debt management. We assist clients through life changes like job transitions or divorce, offering case-by-case evaluations to secure approvals where traditional lenders decline. Transparent communication ensures informed decision-making at every step.
Lowest Rate for Life
This exclusive program guarantees clients never pay above-market rates for their mortgage. If rates drop by as little as 0.5%, refinancing is available at no cost, including waived lender and appraisal fees. Designed to protect against rate volatility, it combines long-term savings with unparalleled flexibility for homeowners.
People
David McKune
Mortgage Advisor
David McKune has over 25 years of experience in mortgage lending, specializing in complex loan scenarios. He prioritizes client needs, ensuring smooth transactions from offer acceptance to closing.
Debbie Johnson
Mortgage Advisor
Debbie Johnson brings expertise in first-time homebuyer programs and refinancing strategies. Her collaborative approach has helped thousands achieve homeownership goals efficiently and transparently.
Heidi
Senior Mortgage Advisor
Heidi specializes in customer-centric mortgage solutions, known for exceptional communication and timely responses. She ensures clients feel supported throughout the loan process with no surprises.
Marcy
Loan Specialist
Marcy has assisted clients with multiple mortgage transactions over six years, offering personalized service and expertise in navigating complex financial situations with professionalism and care.
Zachary Gloyd
Mortgage Consultant
Zachary Gloyd focuses on tailored mortgage advice, helping clients secure favorable terms through detailed analysis of their unique financial profiles and long-term goals.
Questions
What is the Lowest Rate for Life program?
This program guarantees clients below-market mortgage rates without additional fees. If rates drop by 0.5% or more, you can refinance at no cost, including waived lender and appraisal fees.
How do you help borrowers with credit challenges?
We evaluate cases individually, offering solutions for credit scores as low as 580 and high debt-to-income ratios. Our advisors specialize in non-traditional scenarios to secure approvals where others decline.
What mortgage products do you offer?
We provide home loans, refinancing, HELOCs, and specialized programs for first-time buyers, jumbo loans, and FHA/VA options with competitive rates and flexible terms.
How quickly can I close on a loan?
Our streamlined process typically closes loans in 2.5 weeks, with dedicated support ensuring timely documentation and communication to meet your timeline.
Are there any hidden fees?
No. We guarantee transparent pricing with no origination fees, lender fees, or surprises. The Lowest Rate for Life program includes fee-free refinancing for life.
What areas do you serve?
We primarily serve Colorado, including Denver, Boulder, Castle Rock, and surrounding communities, with remote support available for clients nationwide.
