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

Higher Loan Amounts for 2020

The maximum mortgage loan amounts for conventional, FHA, and VA loans have all been increased for 2020. Here’s what the new loan amounts are, and what the higher loan amounts for 2020 mean for you. The maximum conventional conforming loan amount in the Metro Denver counties (Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson) is now $575,000. In Boulder […]

Down Payment Problems

Having down payment problems? Some of the best down payment assistance programs available to Colorado residents are the loan programs offered by the Colorado Housing and Finance Authority (CHFA). CHFA loan programs require a minimum borrower contribution of only $1,000. And now, if you get a CHFA loan from us, it gets even better, thanks […]

Negative Interest Rate Mortgages

We get calls every week from people asking if we think there will be negative interest rates for mortgages. Negative interest rate mortgages exist in a few European countries, and President Trump regularly tweets that he’s all for negative rates, so are negative interest rate mortgages really something you should hold out for? Here’s what […]

The Cost of a Refinance

With interest rates as low as they are, many people are refinancing their existing mortgage. The most common question we are asked is this: “How much money do I need to pay you if I want to refinance?’ Here’s all you need to know about the cost of a refinance. Closing Costs The closing costs […]