I am an expert Equal Opportunity Mortgage Lender with over 15 years experience in the financial & mortgage field. I specialize in PURCHASE and REFINANCE transactions in Colorado and have a large portfolio of mortgage programs available to meet just about anyone's needs, even people with lower credit scores and a low down payment. Not only am I professional and knowledgeable, I also like to have fun working with my clients and Realtors. Referrals account for 95% of my success so relationships are very important to me. I am a huge believer that communication, good or bad, is a key ingredient to a successful mortgage transaction.My pledge: I will always give you the personalized attention that you deserve to ensure that you find the right loan product to meet your needs and expectations. I will go out of my way to make sure that you have all of your questions answered and concerns addressed and that you are 100% satisfied with your loan well before you close- no surprises will pop-up at the closing table.Specialties: I specialize in the following Mortgage Loan Products- Fixed or A.R.M Conventional Loans, FHA, VA, USDA, Jumbo Loans, Construction Loans, and the making Home Affordable program. We also offer special bank portfolio loans like our Purchase Rejuvenation Loans & our 95% 1st Time Home Buyer Purchase Loan Program.“Equal Housing Opportunity” Link to NMLS Consumer Site http://www.nmlsconsumeraccess.org/ Link to Privacy Statement https://www.ulc.com/aboutus/privacyLicensing Statement https://www.ulc.com/aboutus/licensingstatement