Wondering how to get Pre-Approved for a mortgage?
Click Here!

or call The Mortgage Experts at 303-345-3683

We also offer Mortgage and Credit classes to the public, and Continuing Education classes
to Colorado real estate agents.  We'll teach you everything you need to know!
Click here for our current Class Schedule.

Choosing the right mortgage banker is an extremely important part of
buying a home.  Here are just a few of the things that have made us
the lender of choice in Metro Denver and throughout Colorado:

• Free, quick and easy mortgage pre-approvals.  In most cases, we can gather all the information necessary to get you pre-approved for a mortgage in a short, 15-minute phone call.  Once you're pre-approved for a mortgage, you can shop for a home with confidence, knowing that you have the financing.
• We can offer every type of mortgage available, so you will always have access to the best loan for your situation.  Many lenders are not approved to sell you the loans that might be best for you - FHA, VA, rehab, down payment assistance, USDA, etc.  We are approved to sell all types of loans in Colorado.
• Free online automated underwriting approval.  We have direct access to the Fannie Mae, Freddie Mac, FHA, and VA underwriting systems.  Rather than waiting weeks for a loan decision, we can get a mortgage approval in a matter of minutes.
• Plain language explanations of the mortgage application, all the federal and Colorado disclosures, the fees - everything that's involved.  We regularly teach mortgage brokers, real estate agents, and members of the public about all the different types of loans that are available.  Professionals rely on us for mortgage knowledge - you should, too.
• Credit report review and advice.  We've taught hundreds of other mortgage brokers and members of the public how to read and interpret credit reports, and we'll do the same for you.  If your credit score needs to improve, we'll tell you exactly what to do.
• Regular updates throughout the entire loan process.  You'll never have to worry about what's happening with your loan.
• Free rate locks.  There's never a fee to lock in your mortgage interest rate.
• We never charge an application fee.
• We attend all of our closings, and we don't send someone in our place.  Buying a house is probably the biggest purchase you'll ever make, and it's normal to be nervous at the closing.  When we handle your home financing, we'll never leave you hanging.

If you would like information on different types of loans, click here.

If you would like to know all about qualifying for a mortgage, downpayments, closing costs, the mortgage application, all the federal and Colorado disclosures, and much more, click here.

For access to the leading source of mortgage and credit information in the Metro Denver area and throughout Colorado,
click here to visit our blog.

Click here for VA Loan Quick Reference Guide

Click here for FHA Loan Quick Reference Guide

Click here for the current FHA Mortgage Limits

Click here for information about the Home Affordable Refinance and Home Affordable Modification programs.  These are the US Government mortgage bailout programs.

Click here for our most recent Class Schedule. We have classes for the general public and we also offer Continuing Education Unit (CEU) classes for Colorado real estate agents.

The Mortgage Experts strongly believe in helping those who are less fortunate and supports the Denver-based non-profit Free Food 4 Families.  Free Food 4 Families collects cash donations from the public, purchases nutritional non-perishable food products, and distributes them to local families in need.  If you'd like to help some needy families and play a part in making Denver and our nation a better place to live, please donate any amount you can afford at www.FreeFood4Families.org

America's Mortgage, LLC     11941 W. 48th Ave., Ste. 200, Wheat Ridge, CO 80033 

Chris Thomas - CO Mortgage Loan Originator License 100014420, Nationwide Mortgage Licensing System 241555
Phone: 303-345-3683

Debra Thomas - CO Mortgage Loan Originator License 100021689, Nationwide Mortgage Licensing System 252299
Phone: 303-451-0977
  
To check the license status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/index.htm