

Mortgage Broker
Exceptional Service
Meets Low Rates
As an independent mortgage broker, we offer
- Clear and Simple Proposals
- Better Rates and Lower Closing Costss
- Unbiased Advice
Mortgage Broker
Exceptional Service
Meets Low Rates
As an independent mortgage broker, we offer
- Clear and Simple Proposals
Easy-to-understand loan options tailored to your needs
- Better Rates and Lower Closing Costss
Enjoy competitive rates and reduced out-of-pocket expenses
- Unbiased Advice
Our recommendations are driven by your best interests, not commission
We Have Over 45 Wholesale Banks Competing for Your Loan


















All Loans We Offer
Wholesale
+ friendly service.
Conventional
Standard loans with varying rates, requiring a down payment of 5% to 20%. Ideal for first-time and repeat home buyers.
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Jumbo
For loan amounts exceeding conventional limits, often requiring higher down payments (10% to 20%) and having higher rates.
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FHA
Designed for lower credit scores with a down payment as low as 3.5%, providing more accessible rates for many buyers.
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Conventional/3%Down
A type of conventional loan with a lower down payment of 3%, perfect for first-time buyers.
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Down Payment Assistance
Helps cover down payments of 3.5% and some closing costs, making it easier to buy a home, especially for first-time buyers. Eligibility and amounts vary.
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VA
Offers competitive rates with no down payment required for eligible veterans and service members.
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Why Choose An Independent Mortgage Broker?

PRICE
Unlike big banks and mortgage corporations that often inflate their rates and fees to cover high executive pay, large marketing budgets, and other operating costs, I keep things lean as an independent mortgage broker. With fewer overhead expenses and access to competitive wholesale lenders, I’m able to offer lower rates and better terms. My goal is to pass these savings directly to you, ensuring you get a great mortgage deal without the extra cost.

PROJECT

PROCESS

PEOPLE
Get an Additional 10% or $1,600 on Average in Realtor Rebates When You Bundle
Call Us Today to Discover Our Rates
EXCELLENT Based on 11 reviews Cary Reyes2024-06-16Trustindex verifies that the original source of the review is Google. Jay was a great partner in the whole process. He had our best interest during the entire process. He was responsive and extremely helpful. Thanks to him we met all of our deadlines and made our home purchase process seamless. I’ve already recommended him to my friends and family. If you are in the Denver area Jay is your realtor person! Frank Senatore2024-06-15Trustindex verifies that the original source of the review is Google. Listing my home and buying with Jay and his team was a fantastic decision. Jay is incredibly hardworking and responsive—any question I had, he answered within minutes. Plus, his offer to list homes for 1 percent and a 50% rebate is an unbeatable deal. Highly recommend! Ryan Rutherford2024-06-08Trustindex verifies that the original source of the review is Google. Jay is the best in the biz! He is an excellent communicator, he understands the business inside and out, and answered any questions I had clearly and promptly. I would recommend him to anyone considering buying or selling. Matt Hall2024-06-01Trustindex verifies that the original source of the review is Google. I had an excellent experience working with Jay as my realtor. He made the entire process seamless and worked diligently to secure the deal I was looking for. The 50/50 rebate I received was an added bonus. I couldn’t recommend him enough and look forward to doing more business with him as I grow my portfolio! Abhishek Bachu2024-04-30Trustindex verifies that the original source of the review is Google. Working with Jay is truly amazing! Jay is always available and willing to show us properties anytime, day or night. The best part is that he splits his commission and truly cares for his clients. Rutvik Ramarapu2024-04-29Trustindex verifies that the original source of the review is Google. We are currently working with Jay and can't praise him enough for this exceptional service and financial benefit he is providing us. We didn't end up buying but will come back once rates get better. Kenny Wood2024-04-29Trustindex verifies that the original source of the review is Google. Had a great time working with Jay and his team! Always kept our best interests in mind. Was available any time I had a question. Cal Rhoads2024-04-29Trustindex verifies that the original source of the review is Google. Best Realtor in Denver, hands down! really nice business model. manish avasarala2024-04-26Trustindex verifies that the original source of the review is Google. I can't praise Jay enough for his exceptional service both before and during our transaction. Best realtor in Denver! Jay even split his commission with us, which covered most of our closing costs. Couldn't be happier with his service!" Cameron Eide2024-01-31Trustindex verifies that the original source of the review is Google. I highly recommend Jay for your real estate needs. He cares about you and what he saves you on real estate and mortgage side.
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We’re here to help! Feel free to call us with any question you have.