Colorado Lending Team

Colorado Lending Team Trusted mortgage partner. Diverse products, exceptional service. Hassle-free homeownership journey. We have access to programs most banks don't offer.

Less cost and lower rates, giving homeowners access to more affordability. Our specialties include but are not limited to:

First Time Homebuyers
FHA
VA
USDA
Jumbo
ARMs
Multiple Properties
Doctor Loan
Manufactured Housing
Recent BK and FC
Non-Warrantable Condos
Fix-n-Flip
Bridge Loans
Refinance

Other Financing Options - Primary Residence/2nd Homes:

No credit scores – FHA
Reverse Mortgages
No i

ncome verification required
No Income/No Assets
Bank Statement
1099 Only
ITIN borrowers
DACA/Dreamer FHA loan
1st Lien HELOC to 90% LTV
Trailing Primary - Ignore debt from current home when buying a new one
Condo-tels
Manufactured outbuildings
Asset Depletion

Other Financing Options - Investment Loans:

DSCR and No Ratio
Foreign Nationals
Can vest title in an LLC
Unlimited Properties
Bank Statement
1099 Only

09/01/2026

POV: You asked to see homes in your budget and your realtor understood the assignment.

All jokes aside, knowing your budget before you start shopping can save a lot of stress later.

A pre-approval helps you focus on homes that fit your goals and your finances.

08/31/2026

One of the simplest ways to pay off your mortgage faster is to make one extra payment each year.

But here's the trick:

You don't have to come up with an entire mortgage payment all at once.

Instead, divide your monthly payment by 12 and add that amount toward your principal each month.

For example:

A $2,400 monthly payment ÷ 12 = $200

Adding an extra $200 toward principal each month equals one extra mortgage payment over the course of a year.

Over time, this can reduce the amount of interest you pay and potentially shorten the life of your loan.

Every mortgage is different, but small extra payments can make a bigger impact than most people realize.

Before making extra payments, check with your loan servicer and make sure the funds are being applied to principal.

Want to see what an extra payment could do for your loan? Let's run the numbers.

08/30/2026

Most mortgage problems don't start when you apply.

They start months before.

Opening a new credit card.
Financing a car.
Changing jobs.
Waiting too long to check your credit.

The good news?

Most of these issues can be avoided with a little planning.

If buying a home is on your radar this year, start preparing before you start shopping.

08/29/2026

A lot of people assume they need a huge down payment to buy a home.

That's not always the case.

For example, an FHA loan may require as little as 3.5% down for qualified buyers.

On a $350,000 home, that's $12,250

Still a lot of money? Absolutely.

But it often feels much more achievable when you break it down into smaller savings goals over time.

The biggest mistake I see isn't that people can't afford a down payment.

It's that they assume homeownership is out of reach before they ever explore their options.

If buying a home is one of your goals, let's talk about what it might actually take to get there.

And yes... this song has been stuck in our heads too.

Not every borrower fits into the traditional paycheck box.An Asset Depletion Mortgage may help qualified buyers use elig...
08/28/2026

Not every borrower fits into the traditional paycheck box.

An Asset Depletion Mortgage may help qualified buyers use eligible assets, like savings, investment accounts, retirement accounts, or other financial resources, to help establish qualifying income.

This can be helpful for retirees, investors, business owners, or borrowers with strong assets but limited traditional income.

You may not need to liquidate assets, and credit, debt, and down payment still matter. The key is looking at the full financial picture.

We first helped Jaclyn and Alex buy a home back in 2022.Fast forward a few years…they're married, ready for their next c...
08/27/2026

We first helped Jaclyn and Alex buy a home back in 2022.

Fast forward a few years…they're married, ready for their next chapter, and officially UNDER CONTRACT on their move-up home! There is seriously no better compliment than when past clients come back and trust us to do it all over again.

Jaclyn and Alex, thank you for choosing Colorado Lending Team again. We loved being part of your story then, and we're even more excited to see where this next chapter takes you.

And a huge shoutout to Rich Dolph for helping them find the one and getting them under contract!

Now let's get you two to the closing table! 🥂

08/27/2026

Thanks for the 5-Star review!

Doing the right thing, whether we get paid or not, is at the heart of how we work. We believe the best advice is the advice that truly serves you, even if it means pointing you toward a different product or provider. Our commitment is personalized, quick, and focused on what’s best for you, not on commissions.

We’re honored to have earned your trust, and we’ll keep putting your interests first.

Cash deposits are not always “no big deal” when you’re getting a mortgage.A lender may need to know where that money cam...
08/26/2026

Cash deposits are not always “no big deal” when you’re getting a mortgage.

A lender may need to know where that money came from.

That does not mean cash is bad.

It just means large or unusual deposits can bring extra questions.

For example:

Was it a gift?
Was it from selling something?
Was it cash you saved at home?

If the money cannot be clearly explained, it could slow things down.

That’s why it’s smart to talk with your lender before moving money around or making big cash deposits.

A quick question now can save a lot of stress later.

Have you ever wondered what counts as a “problem” deposit when buying a home?

Comment “CASH” or send us a DM, and we can help you understand what to watch for.

🎉 Closing day is here! Dan and Susan just became the proud owners of their second home in Colorado! 🏡These two traveled ...
08/26/2026

🎉 Closing day is here! Dan and Susan just became the proud owners of their second home in Colorado! 🏡

These two traveled all the way from Florida to make their mountain dream a reality, and being part of that journey has been a true joy. Here's to many happy memories at their new getaway! ⛰️🔑

A heartfelt thank-you to Shilo Jossart. Your guidance and dedication made all the difference for Dan and Susan, and working alongside you is always a pleasure!

We had the privilege of helping Hanneke and Matt with their first Colorado home, and now they’re back — this time, buyin...
08/25/2026

We had the privilege of helping Hanneke and Matt with their first Colorado home, and now they’re back — this time, buying a home for her parents.

There’s just something really special about watching a family take care of the people who once took care of them. 🥹

We LOVE when past clients come back to us. The fact that they trust us to be part of another big moment in their lives means more than they probably realize.

Congratulations on going UNDER CONTRACT!

Now let’s get Mom & Dad HOME!

Thanks to Phillip Booghier for finding the perfect house for Mom and Dad!

Address

7887 E Belleview Avenue #1100
Englewood, CO
80111

Telephone

+13034773889

Website

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