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We have proudly served Denver and all of Colorado since 2004. We offer many types of home loans, including:

FHA Loans

VA Loans

Conventional Loans

Click or Call to See Which is Right For You

What Home Buyers Are Saying About US

"Chris and Debbie were so great to work with! They always made themselves available and were happy to answer any questions we had. Would definitely recommend them to other buyers!"

Delighted Home Buyer
"Debbie and Chris were great for us as first time home buyers. They were patient, thorough, and very quick with recommendations. A pleasure to work with!"

Pleased Home Buyer
"Debbie is amazing."

Happy Home Buyer
"Excellent customer service. Thank you!"

Another Satisfied Customer
"Chris and Debbie are wonderful! Made the process very easy, efficient, and successful. Great group to work with and would definitely recommend them."

Successful Home Buyer
"Chris and Debbie were referred by a trusted real estate agent. They were fantastic! Calm and confident, they assured us that our loan was on track throughout the whole process. Would definitely use them again and refer them to friends."

Another Happy Home Buyer
"Debbie, you made me feel so comfortable and informed and I trusted you to know your business and let me know if anything seemed less than 100% in my best interest. Thank you so much. I'll be sure to recommend you if I learn of anyone needing a loan."

Informed Home Buyer
"Chris and Debbie were a pleasure to work with. I would absolutely recommend them to anybody looking to finance a home."

Pleased Home Buyer
"Working with Chris and Debbie was great. They were very professional, responsive, and explained items thoroughly. Thanks!"

Home Buyer
"Chris and Debbie were fantastic every step of the way. They're true professionals and I appreciate all their hard work."

Appreciative Home Buyer
"Chris and Debbie did a great job working with us. We felt like the process went smooth. Chris and Debbie were very professional and also very friendly through the whole process."

Content Home Buyer
"You two were so great. Thank you so much for your help and guidance. It was a true pleasure working with you."

Another Pleased Home Buyer
"I couldn't be more thrilled with Chris and Debbie and the quality of service I received from them. They answered all my questions, returned calls and email quickly, and were in my corner every step of the way. I highly recommend their services."

Thrilled Home Buyer
"Debbie and Chris Thomas are extraordinary people who go the extra mile for their clients. They are professional, good listeners, and take the time to assure a successful close to your business deal."

Another Successful Home Buyer

Deb and Chris Thomas here.

Thank you for the visit. We have been proudly providing residential mortgages to Colorado home buyers and homeowners since 2004. With additional experience in mortgage training for both mortgage company employees and real estate agents, we have first-hand knowledge of every aspect of the mortgage financing industry.

We provide people with the money it takes to be homeowners. We take what often seems to be a very complicated process, and explain it in the simplest terms to our clients. There is nothing quite as satisfying as sitting at the closing table, watching someone become a homeowner for the very first time. We’ve gotten hugs and hearty handshakes, and seen ear-to-ear smiles and tears of joy when the final paperwork is signed. It just never gets old. We eagerly look forward to helping you find the perfect home loan.

– Cheers!

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Learn More About Home Loans on Our Blog

Changes for 3% Down Conventional Loans

There are some big changes coming soon for 3% down conventional loans. For all conventional loans submitted to Fannie Mae’s underwriting system on or after July 20, 2019, or to Freddie Mac’s underwriting system on or after July 28, 2019, the income limits will be lowered dramatically. Here’s what that means for you. HomeReady and […]

CHFA Income Limit Increase

The Colorado Housing and Finance Authority (CHFA) announced that as of June 3, 2019, the income limits for most of their loan programs are increasing from $115,600 to $120,100. Here’s what that means for you. Loan Programs CHFA has a couple of great down payment assistance programs. One is a conventional loan requiring 3% […]

Rules for Gift Money

Did you know that you can receive gift money from a relative to pay for all of your down payment and closing costs? The rules are simple. Here’s what you need to know. Residence Types If you are buying a 1, 2, 3, or 4-unit primary residence or second home, and you are putting 20% […]

Non-Taxable Income

Do you have non-taxable income, such as Social Security payments, child support payments, or non-taxable pension income? If so, did you know that we can count more income than you actually make when qualifying you for a mortgage? Here’s what you need to know. Conventional Loans For conventional (non-government) loans, we can increase the amount […]