Neil Christiansen, NMLS #249268

Neil Christiansen, NMLS #249268 Certified Mortgage Advisor
📍AMA NMLS: 2617555
2️⃣0️⃣ + yrs exp
Proudly Serving CO We help navigate you through each step, on time and without surprises.

With 30 years of finance and industry knowledge, I specialize in reviewing my client's entire financial picture to offer them the education and options to make the best financial decisions for their future. I am focused on providing the most competitive programs along with the highest level of client service. This "Client First" approach drives my repeat business & establishes my reputation with m

y clients and Real Estate Partners as the financial partner of choice. Using our expert advice, custom tools and efficient home loan process, we Help your FAMILY establish a smarter mortgage plan, thus setting you up for financial success. From your first home to your last, we are the team that helps you plan a better way to build wealth faster-giving you the freedom to achieve your American Dream! Did you know...that Churchill Mortgage is the only mortgage company trusted & recommended by real estate expert Dave Ramsey and the Ramsey team? Product Highlights: Conventional, Government Lending, Luxury Market, Creative Financing, 1st Time Homebuyer, Residential Mortgage, Refinance, New Construction, Renovation, Family Planning, Divorce Strategies & Certified No Score. Certified Home Buyer, Rate Secure & Certified No Score are just 3 of the programs that Churchill Mortgage may use to help our borrowers achieve their goal of purchasing a home in this highly competitive market.

04/28/2026

The rate is only one part of a HUGE puzzle. Let's piece together your needs, give me a call, or shoot me a DM and we can start the conversation.

Here is the REAL cost of waiting. Many people speculate that waiting is the right this to do. This is one of the biggest...
04/25/2026

Here is the REAL cost of waiting. Many people speculate that waiting is the right this to do. This is one of the biggest MYTHS to follow. Read this, share it, save it, and check out the FULL story below.

04/24/2026

Start with these rules BEFORE deciding to treat your equity like a trophy.
DM me if you have any questions and click on the link below to see the full story 👇

04/23/2026

Let's talk about PMI, check out my full newsletter in the link below to understand the FULL story! 👇

Have you been spending your time negotiating for the WRONG number? Let's shift that structure and change your payment by...
04/22/2026

Have you been spending your time negotiating for the WRONG number? Let's shift that structure and change your payment by focusing on the RIGHT tools.

Click the link below for more helpful tips 👇

04/21/2026

Quick housing update for Denver! Dm me or shoot me a text if you have any questions! 🏠

04/15/2026

The math people use to avoid PMI often costs more than PMI itself. Waiting to hit 20% down: → Drains your cash reserves → Removes your post-close cushion → Means buying at a higher price Run the real numbers — not just the optics. — Neil Christiansen, Certified Mortgage Advisor

04/04/2026

It’s funny how priorities change the older you get.

At one point in life, the dream might’ve been the big salary.
Then maybe the credit score.
Then the security.

But for a lot of people I talk to every week…

The answer quietly becomes the same thing.

A home that’s fully yours.

No landlord.
No rent increases.
No wondering where you’ll be next year.

Just a place that feels stable.
A place where life actually happens.

Everyone’s version of success looks different.

But that moment when someone gets the keys to a place they can truly call home…

That one hits different.

So I’m curious.

Which TWO are you picking?

04/03/2026

Some conventional loans actually offer slightly better interest rates when buyers put less than 20% down.

Here’s the strategy you may want to consider:

• Buy with 5–15% down
• Lock in the lower interest rate
• After closing, recast the loan

A recast lets you put a lump sum toward the loan later, which can:

• Lower your payment
• Reduce the balance
• Remove mortgage insurance

Every situation is different, but understanding the options can change how buyers approach their purchase.

03/31/2026

Before you even start looking at homes, you should get pre-approved for your mortgage. It’ll give you clarity on what you can borrow and help you feel more confident in your ability to get a home loan. If you’re ready to get pre-approved, connect with a trusted lender to learn more.

Address

Arvada, CO
80005

Telephone

+13036192883

Website

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