What are the opening hours?

Monday 8am - 6pm Tuesday 8:30am - 6:30pm Wednesday 8am - 5:30pm Thursday 8am - 6pm Friday 8am - 6pm Saturday 8am - 6pm Sunday 8am - 6:30pm

Claudia Fernandez, Loan Officer & Reverse Mortgage Specialist

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United States
Denver, CO
Claudia Fernandez, Loan Officer & Reverse Mortgage Specialist

Reverse Mortgage Specialist serving Colorado—clear, pressure-free guidance on HECM, Jumbo/Proprietary, Reverse for Purchase & HomeSafe Second. NMLS #2429929

07/28/2026

Reviews like this are exactly why I do what I do. Thank you for trusting me with your reverse mortgage questions.

"I love working with Claudia. She is so knowledgeable and precise about the numbers. It helps to know an expert in the space. I would highly recommend getting an education from her before moving forward with any reverse mortgage."

Do you have questions about a reverse mortgage? Send me a message or learn more at fullcircle-finance.com

07/23/2026

What is a HELOC for Seniors?

A HELOC for Seniors is a home equity line of credit designed specifically for homeowners age 62 and older. It can be structured as a first or second lien, which means eligible homeowners may be able to access equity without paying off their current mortgage. This product may work well for homeowners who want flexible access to funds and are comfortable making monthly interest-only payments.

Message me to learn more or visit fullcircle-finance.com

07/14/2026

Expert Advice At Your Fingertips: Home Loans & Reverse Mortgages

With years of experience in real estate and mortgage lending, I specialize in helping homeowners 55+ explore reverse mortgage options. My goal is to provide clarity and confidence in financial decisions while maintaining homeownership, encompassing the whole homeownership journey from your 1st purchase to retirement.

Send me a message or visit fullcircle-finance.com to schedule a FREE consultation to discuss your financial goals and explore options.

07/09/2026

HomeSafe Second is a proprietary second-lien reverse mortgage designed for older homeowners 55+ who want to access a portion of their home equity without refinancing their existing first mortgage and without adding a new required monthly mortgage payment. HomeSafe Second is a reverse second mortgage that allows homeowners to unlock equity while keeping their current first mortgage in place.

This can be especially helpful for homeowners who have a low interest rate on their current mortgage and do not want to replace it with a new higher-rate loan. The existing first mortgage remains in place, and HomeSafe Second is added as a second lien behind it. Unlike a traditional HELOC or home equity loan, HomeSafe Second does not require a new monthly mortgage payment on the second mortgage.

Interest accrues over time, and the borrower must continue to meet the loan obligations, including living in the property as their primary residence, paying property taxes, maintaining homeowners insurance, keeping the home in good condition, and staying current on any existing first mortgage.

Best fit may include homeowners who:
• Want to preserve a low first-mortgage rate
• Need access to home equity
• Do not want to add another monthly mortgage payment
• Plan to remain in the home
• Have meaningful equity but limited monthly cash flow

Have questions? Send me a message or visit fullcircle-finance.com

07/06/2026

HELOC for seniors is a home equity line of credit designed specifically for homeowners aged 62 and older. It can be structured as a first or second lien, which means eligible homeowners may be able to access equity without paying off their current mortgage. Loan amounts range from $50,000 to $400,000.

Call for an application: 925.408.5663

07/03/2026

Another happy client in the Mile High City!

Navigating home financing can feel overwhelming, especially when there are so many options on the table. That's why I help clients break it all down with patience and clarity, whether it's refinancing, a HELOC, or a reverse mortgage.

Have questions about buying or refinancing your Colorado home? Send me a DM and I'll be happy to assist you.

06/29/2026

Your Colorado home starts here. As a loan officer and reverse mortgage specialist, I help homeowners from their first home loan to their retirement home loan. Visit fullcircle-finance.com or call 925.408.5663 to discuss your options today.

06/25/2026

As a mortgage lender, I'm dedicated to helping seniors maintain financial security while staying in their homes. With a focus on education and trust, I ensure clients make informed decisions about their mortgage options.

Learn more: fullcircle-finance.com

06/19/2026

What's a conventional loan? Here's what you should know.

A conventional loan is a mortgage that is not insured or guaranteed by a government agency. These loans are often used by borrowers with stronger credit, stable income, and available funds for a down payment.

Conventional loans can be used for primary homes, second homes, and investment properties. They may offer flexible terms and competitive pricing depending on the borrower’s credit profile, down payment, and overall financial picture.

Ready to discuss your options? Send me a DM or visit fullcircle-finance.com

06/15/2026

Thinking of buying your first home in Denver? Here's what you need to know:

YOU DON'T HAVE TO FIGURE IT OUT ALONE.

I help clients with every step of the process. When working with first-time homebuyers, my goal is to provide clarity and confidence throughout the process.

Here's what you can expect when you work with me:
• Free Consultation
• Personalized Loan Matching
• Easy Application
• Secure Financing

If you have questions about buying your first home in Colorado or another state, feel free to message me. I'm happy to assist. For more information about my services, please visit: fullcircle-finance.com

Address

6825 E Tennessee Avenue Suite 415
Denver, CO
80224

Opening Hours

Monday	8am - 6pm
Tuesday	8:30am - 6:30pm
Wednesday	8am - 5:30pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 6pm
Sunday	8am - 6:30pm

Telephone

+19254085663

Website

https://fullcircle-finance.com/

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