In 1998 we became the original mortgage lender on Tom Martino’s referral list with this simple philosophy. Eight (8) years later with over 1 billion dollars of loans funded, we are still here with the same concept. In a typical loan transaction the loan officer and broker make several thousand dollars for simply gathering your information and passing it along to a lender. You can easily do this for yourself on our web site, and save thousands on your closing costs! Our web site is open 24/7 so you can apply at any time of the day or night. You will never need to schedule an appointment for a face to face meeting - unless you would prefer to. “We are a direct lender - not a broker” and we should know. We coined that phrase on KHOW/630AM 10 years ago! You will never pay additional broker fees or add-ons. We can approve your loan in-house. We don't send your confidential information all over the nation just to get an answer – we approve your loan right here in Colorado. Your loan is credit approved at the beginning of the process, eliminating any untimely surprises on the way to the closing table! We have one low flat fee of $795 for all lender closing costs. Most other companies typically break up the closing costs into several smaller fees; this makes it easier for them to obscure the total cost of doing the loan. When you look at the whole package and add it all up, we are always significantly less expensive than the competition!