Home - Deb and Chris Thomas Mortgages

Understanding Mortgage Basics

Call Us to Learn About Options

Apply Now Online

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!

HomeScout® is a tool you can use to help find your next home. It lists all of the homes for sale, it’s free, and it’s private – no one will call you when you search for homes.

Try HomeScout

Learn More About Home Loans on Our Blog

Lowest Rates in 49 Years

Mortgage rates are low. They are lower than they have ever been since Freddie Mac started keeping track of them in 1971, which was 49 years ago. How would you like to get the lowest mortgage rates in 49 years? Here’s what you need to do. Refinancing Your Mortgage If you haven’t refinanced your current […]

Getting a Mortgage While in Forbearance

Did you know that if you have experienced financial difficulties because of the pandemic, and you asked your lender to allow you to go into forbearance (postponing your mortgage payments until a later date), you can still get a new mortgage for either a purchase or a refinance transaction? Here are the details. The rules […]

Refinance and Put Some Money in Your Pocket

How would you like to get a raise of a couple hundred dollars a month? Your employer might not approve your request for a raise right now, but we might be able to. If you haven’t refinanced your current mortgage in the past year or so, you might be very pleasantly surprised at how much […]

Knock Years Off Your Mortgage

How would you like to knock years off your mortgage, without increasing your payment at all? What could you do if your mortgage was paid off 3 years sooner, or 5 years sooner, or 7 years sooner? It’s very easy to do, and we can tell you exactly how many years of paying your mortgage […]