The Aronheim Team - CrossCountry Mortgage

The Aronheim Team - CrossCountry Mortgage Jeff's NMLS # 235233 Licensed by the Division of Real Estate and Jeff is Licensed by the CA Dept. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

Mortgage Expert
An equal housing opportunity lender
Personal NMLS #235233
Branch NMLS #1773803
CCM NMLS #3029

CrossCountry Mortgage, LLC offers a variety of home loans and refinance options for your unique needs of Corporations under the Mortgage Loan Originator Act CA D0C235233, AZ L0-0919704 and TX 235233

Thank you for being a fan!!! We appreciate all of your support as we grow our mortgage busi

ness. We are committed and passionate professionals who put our client's best interests and satisfaction above all else. Our team's determination to cater to our client's specific needs coupled with our market expertise and attention to detail allows you to receive first class service. If you have any friends or family that are looking to purchase or refinance, we would love to take great care of them.

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This office is licensed and examined by the Office of the Consumer Credit Commissioner of the State of Texas. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV

Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Licensed by the Virginia State Corporation Commission

Georgia Residential Mortgage Licensee

Illinois Residential Mortgage Licensee

Kansas Licensed Mortgage Company

For licensing information, go to: www.nmlsconsumeraccess.org.

09/07/2026

Jumbo Underwriting Area #3: Documentation — Detailed Income Analysis, Not Automated

Self-employed borrowers, business owners, and anyone with complex income documentation will find jumbo underwriting particularly thorough. Two years of tax returns is standard. Business bank statements. CPA letters. The underwriter is doing a detailed income analysis, not just running an automated system. Jeff Aronheim explains why this is one of the four areas where jumbo underwriting is meaningfully more rigorous than conventional.

📅 https://teamaronheim.com/schedule
🌐 teamaronheim.com | 📞 +1 (720) 248-6892

09/07/2026

Two weeks out from The Edge — Denver, September 22.

Spent this morning finalizing who's coming with me. A few spots are still open, and I'd rather fill them with agents I already do business with than let them go to waste.

This is a listing-focused day: better presentations, faster tech, marketing that actually works.

Reach out if you want a seat — they're going fast:
https://teamaronheim.com/learning-center/classes/the-edge-is-coming-to-denver

NMLS 235233

09/07/2026

Realtors assume a rejected loan file is a dead deal. Usually it's just a mismatched lender.

A denial from a retail bank means the file didn't fit their box, not that the borrower is unqualified. Non-QM, DSCR, and bank statement programs exist for exactly this reason.

Jeff Aronheim, CrossCountry Mortgage | +1 (720) 248-6892

09/07/2026

A 2-Minute Call Before The Repair Credit Is Agreed — That's All It Takes

The mistake isn't not knowing the concession cap for every loan type, that's what Jeff Aronheim is there for. The mistake is not including the lender in the conversation before the credit is agreed upon. A 2-minute call: "I'm thinking a $12K repair credit, buyer has other concessions already, are we within the cap?" That's all it takes.

📅 https://teamaronheim.com/for-realtors
📅 https://teamaronheim.com/schedule/45
🌐 teamaronheim.com | 📞 +1 (303) 596-9077

09/06/2026

Downtown Winter Park: Deno's, Fraser Valley Hot Dog, Hideaway Brewery, And The Ditch

A quick walk through some of my favorite spots in Downtown Winter Park.

First up, Deno's Mountain Bistro. Been a Winter Park institution since 1976, over 45 years in business. Upscale-casual steakhouse with an award-winning wine list, daily happy hour, and the kind of place that feels like home the moment you walk in.

Right next door, Fraser Valley Hot Dog. Chicago-style dogs made with Vienna beef, elk brat, bison, wild boar, or carrot dog. Plus burgers, gyros, and ice cream. Honestly one of the best spots in town for a quick, ridiculously good meal.

Sharing the same building, Hideaway Park Brewery. Small-batch craft beers brewed right there on site. No kitchen, but they're totally fine with you bringing food in from next door. Gold and silver medal winners at the 2025 Colorado Brewers Cup.

And if you want to go down and dirty, The Ditch on 40. Famous for their green chili, nachos, and that Ditch Burger. Skip the green chili and they charge you a dollar more for the Bitch Burger. That's just the rule.

📅 https://teamaronheim.com/schedule
🌐 teamaronheim.com | 📞 +1 (720) 200-5464

09/06/2026

Self-employed borrowers get penalized for the same write-offs that make them good business owners. Lower taxable income on paper often means lower "qualifying" income to a traditional lender, even when cash flow is strong.

That gap is exactly what Non-QM lending was built to close.

Jeff Aronheim, CrossCountry Mortgage | +1 (720) 200-5464

09/05/2026

Jumbo Underwriting Area #2: Credit Score — 700 Minimum, Best Rates At 740+

Conventional financing can go into the 600s depending on the program. Most jumbo lenders want a minimum of 700-720. The best rates are reserved for borrowers at 740 and above. Jeff Aronheim explains why credit score is one of the four areas where jumbo underwriting is meaningfully more rigorous, and why it directly affects what rate you're offered.

📅 https://teamaronheim.com/schedule
🌐 teamaronheim.com | 📞 +1 (720) 248-6892

09/05/2026

A buyer got denied by their bank three weeks before closing. 1099 income, two active LLCs, "too complex" per the underwriter.

We restructured it as a bank statement loan using 12 months of deposits instead of tax returns. Closed in 19 days.

Jeff Aronheim, CrossCountry Mortgage | +1 (720) 248-6892

Great day out on the course at the B'nai B'rith Golf Tournament 2026! ⛳️​Golf is always more than just perfecting your s...
09/05/2026

Great day out on the course at the B'nai B'rith Golf Tournament 2026! ⛳️

​Golf is always more than just perfecting your swing. It is about community, connecting with great people, and supporting a meaningful cause.
​Huge thanks to the organizers and everyone who made this event so memorable. Looking forward to the next one! 🏌️‍♂️✨

​

09/05/2026

$14K Repair Credit Plus $4K Closing Costs — $2,100 Over The Cap

Agent called mid-transaction: $14K repair credit negotiated, felt like a good outcome. When Jeff Aronheim ran the numbers, buyer on conventional with 8% down, 3% cap was $15,900. Plus $4K in earlier closing cost credits. Total concessions: $18,000. They were $2,100 over. Seller agreed to a $2,100 price reduction instead of a portion of the repair credit. Same financial outcome for the buyer. Concessions back under the cap. 20-minute call, no renegotiation drama, funded on schedule.

📅 https://teamaronheim.com/for-realtors
📅 https://teamaronheim.com/schedule/45
🌐 teamaronheim.com | 📞 +1 (303) 596-9077

Address

5445 DTC Parkway, Suite 450
Denver, CO
80111

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Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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