Mortgage Broker Denver, CO
Find the Perfect
Mortgage FOR YOU
Fast Approvals, Access Multiple Lenders, and No Hidden Fees.
✓ Professional Guidance Through Every Mortgage Step
✓ Rated 4.9/5 on Google by Over 39+ Satisfied Clients
✓ Serving Colorado Since 1993 and NMLS Certified
What You Get When You Work With Rob
A Mortgage Broker On Your Side
No matter where you currently stand financially, I’m here to help you explore your options and work together to create a personalized path toward homeownership. It’s never too soon to start the conversation, and I’ll find the right solutions tailored to your needs. Buying a home is one of the most significant decisions in life, and I’m committed to making that dream a reality for anyone. With over 20 years of experience and a genuine dedication to your success, I’ll ensure we find the best options for your unique circumstances.
A Personalized Experience
Since 1993, I’ve served as a truth-teller, educator, consultant, and project manager in Colorado. The loan package I create is tailored specifically to you. I assemble the unique pieces of your financial puzzle with honesty and integrity, ensuring that your loan package is truly one-of-a-kind. No automated system can match the personalized and customized expertise I provide.
Dreaming of Home Ownership?
Many people dream of homeownership. There are many benefits to owning your own home.
Homeownership can help your finances with stable monthly payments and increased equity. It also can bring a sense of pride of ownership and accomplishment.
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Unfortunately, those dreams of home ownership can feel fleeting and far away for many people. For those dealing with other types of debt or who barely make ends meet with their paycheck, saving enough for a down payment seems impossible. Others need more knowledge of mortgages and lending options before they feel confident pursuing homeownership.
But what if I told you overcoming these obstacles is easier than you think?
Becoming the best mortgage lender in Denver, Colorado, is precisely why I started my business, Rob’s Mortgage Loans.
Since 1993, I have created and managed loan packages for Colorado’s home loan borrowers. Over the years, I have closed over $617 million of loan volume and over 1,683 loans.
With this experience and the many loan products and investors I can access, I provide the best programs at competitive rates and low closing costs.
The Process
Take the uncertainty out of the mortgage process with my simple, three-step plan.
STEP 1: Get Your Financial Snapshot
I am dedicated to helping you purchase the home of your dreams. When you reach out to me, I’ll assist you in creating a financial snapshot to assess your buying potential. I’ll review your credit, evaluate your debt-to-income ratio, and gather other key financial details such as your down payment savings.
STEP 2: Create a Personalized Mortgage Plan
Each individual’s path to homeownership is unique. Based on your financial snapshot, I’ll provide recommendations to help reduce your debt-to-income ratio, improve your credit score, boost your down payment savings, or fine-tune your loan. Additionally, I’ll search for loan options specifically suited to your situation, ensuring you secure the best possible interest rates.
STEP 3: Close With Confidence
Your time with Rob’s Mortgage Loans doesn’t end when I find a home loan for you. I will remain by your side until and after the closing day to answer your questions and provide honest advice throughout your homeownership journey, from pre-approval through getting your keys.
Our Mortgage Loan Options
The mortgage market fluctuates daily, and I have the knowledge and experience to stay updated on new policies and procedures. As a former accountant, I can navigate the complexities of working with self-employed business owners, investors, first-time homebuyers, VA loans, trusts, and divorces.
Having a variety of choices and options is a valuable advantage for borrowers. I possess the skills, experience, and technology to adapt swiftly and efficiently to changes in the mortgage market.
Product Options
Conventional Home Loans
FHA Loans
VA Loans
USDA Rural Loans
Home Equity Loans
Refinancing Mortgages
Reverse Mortgages (HEMC)
Jumbo Loans
Construction Loans
Zero Credit Score Programs
Options for Lenders and Rates
The Best Variety
Rob’s Mortgage Loans is an independent mortgage broker and loan officer. I have many choices of wholesale lenders to receive pre-approvals and compare rates. Lenders I partner with include mortgage banks, credit unions, retail banks, and direct lenders.
Lowest Possible Rates
Because I receive offers from multiple lenders, I can compare the same loan’s interest rates, origination fees, and other costs. I then break down each option so you can select a mortgage with the lowest possible overall rates and fees.
Why Choose An Independent Mortgage Lender?
Price
Banks and mortgage corporations often have higher rates and fees than independent mortgage brokers because they have to pay executive salaries, choose to pay higher marketing costs, and have higher overheads. As an independent mortgage broker, I strategically set my commission lower. With lower overhead and a choice of wholesale lenders, the savings are passed on to the consumer.
Product
Independent brokers aren’t tied to a single bank or lender. This means they can access more products through a choice of lenders. I also have the ability to select wholesale lenders that want to earn your business with lower rates and lower fees. As an independent broker, I can think outside the box and find unique loan offerings that specifically match each homeowner’s situation.
Process
When you work with an independent mortgage broker, you simplify the borrowing process. Along with impeccable customer service, our loan originator will be free of bank and corporate bureaucracy, meaning they can focus on your loan and wrap things up faster. Everything goes straight to the decision-maker, and you have individualized support every step of the way. This also means I can get you into a home sooner.
People
Each independent broker oversees their process and the people they work with. Working with an experienced, trustworthy, competent, available, and responsive mortgage broker with strong references ensures a higher success rate and a better overall experience. You won’t get a different person whenever you call or someone reading a script. As an independent broker, I am here for you and invested in building a lasting relationship with you.
Contact
Get Started
I know there are many mortgage lenders you can work with, and I would be honored and grateful if you would choose to work with me for your real estate lending needs. If you’re ready to start, please fill out the contact form below or call or text me at 303-587-3600. I am available to return phone calls or texts from 6:30 am to 10:00 p.m. most days. I am able to schedule an appointment to meet face to face as well.
FAQs
Questions
What is an independent mortgage broker?
A licensed professional serves as an intermediary between borrowers and mortgage lenders. Operating independently, they are not affiliated with any specific lender, allowing them to focus on finding the best mortgage terms tailored to their client’s needs and financial circumstances.
Are you regulated?
Yes, all independent brokers are regulated. I am licensed by the National Mortgage Licensing System (NMLS) and must comply with federal and Colorado laws related to mortgages and related services. Mortgage loan lenders are also overseen by the Consumer Financial Protection Bureau (CFPB).
What’s the benefit of working with a mortgage broker?
I can simplify the process and find better terms with lower rates and fees due to their broad network and industry knowledge.
Questions About Approvals
How do I qualify for a mortgage?
Mortgage lenders look at several factors when determining your eligibility for a loan. These include your credit score, income and employment stability, debt-to-income ratio (the percentage of your monthly income that goes toward debt payments), and the amount of down payment you have available.
What credit score is needed to buy a house?
A strong credit score will help you get a better home loan rate. However, we can qualify people with a wide range of scores. Don’t let a lower credit score stop you from contacting me! Things like the cost of the home, the amount of your downpayment, and the type of loan we put you into may allow you to purchase a home. In some cases, there are opportunities for you to increase your credit score.
What is a mortgage pre-approval?
A mortgage pre-approval is a statement from a lender saying that you qualify for a certain loan amount based on your income and credit history. Getting pre-approved can make you a more competitive buyer, showing sellers that you’re financially ready to buy a home. Pre-approval is the next step after pre-qualification. A true pre-approval means that your file has gone to the decision maker (a human being underwriter), who has reviewed and approved your financial credit package. A pre-qualification is typically just a computer system approving the information you have input without confirming the accuracy of said input.
How long will it take to get funding for my Colorado home loan?
Typically, on a home loan without complications, we can fund your loan within 15 business days from completing a loan application. The sooner you can get started on the process, the better!
Can you work with bad credit?
Yes, I have experience in working with clients who have less-than-perfect credit. I help you understand your options and find wholesale lenders willing to work with you. However, remember that bad credit often means higher interest rates and stricter loan terms.
Can using a mortgage broker like Rob’s Mortgage Loans increase my chances of loan approval?
In many cases, yes. I package your loan application to highlight your borrower strengths and address potential concerns. Thanks to my years of experience, I also understand different lenders’ criteria and can match you with a lender more likely to approve your application.
Questions About Rates
What is the difference between fixed-rate and adjustable-rate mortgages?
A fixed-rate mortgage has an interest rate that stays the same for the life of the loan, which means your monthly payment remains consistent. An adjustable-rate mortgage (ARM) has an interest rate that can change over time, typically after an initial fixed period. This means your monthly payment could go up or down.
Can a mortgage broker guarantee the lowest interest rate?
No mortgage broker can guarantee the lowest interest rate. However, because I work with various lenders, I often find very competitive rates. The actual rate you receive will depend on multiple factors, including your credit score, income, down payment, and current market conditions. Having a choice of many wholesale lenders increases the competition. The wholesale lenders want to do loans and want to earn your business.
Areas we service:
Denver – Lakewood – Aurora – Englewood – Arvada – Littleton – Westminster – Thornton – Centennial – Highlands Ranch – Broomfield – Parker – Castle Rock
Golden – Greenwood Village – Commerce City – Boulder – Brighton – Wheat Ridge – Louisville – Lafayette
Serving the Greater Denver Metropolitan & All of Colorado
Denver, CO
Here are just a few popular places to check out:
- Denver Art Museum
- Denver Museum of Nature & Science
- Denver Botanic Gardens
- Denver Zoo