Services
The first step is a ten-minute application — online or by phone. Then Tom matches the product to you, not the other way around.
Shop 50+ lenders for a loan that actually fits the house — and the monthly payment — you want.
From first homes to next homes, Tom pre-qualifies you, writes a clean approval letter, and keeps the file moving so you can shop with confidence.
Lower the payment, shorten the term, drop PMI, or pull cash out — if it actually helps your goal.
A refinance only makes sense if it matches what you want next. Tom will run the numbers with you instead of pushing a product.
Flexible financing for strong credit profiles, including first-time buyer and investment options.
Conventional is Tom’s everyday specialty: competitive pricing, down-payment options, and a process that stays personal.
Lower down payments and more flexible credit guidelines when a conventional loan isn’t the best fit.
If credit has a few blemishes or you want to put as little down as possible, FHA can be the door that actually opens.
For those who have served — often $0 down, no monthly PMI, and some of the strongest pricing available.
Tom is always proud to help veterans and active-duty families use their VA benefit at a great rate.
Jumbo, USDA, ARM vs. fixed, bank-statement, and other options when a standard box doesn’t fit.
Need something outside the usual 30-year conventional? Tom shops the market so you are not stuck with one lender’s menu.
Apply online in about ten minutes or call Tom at (303) 495-9722. He’ll ask about your job, income, and assets, then — with your permission — pull credit and show what you can actually qualify for.
FHA, conventional, jumbo, VA, USDA, ARM or fixed: Tom walks through the pros and cons for your situation instead of handing you a single product.
W-2s, paystubs, IDs, insurance info (and not, despite the joke, blood samples). Tom reviews the docs and issues a pre-approval letter so you can shop.
Earnest money goes to title, you order the inspection, Tom’s team orders the appraisal, and time-sensitive disclosures hit your inbox for e-sign.
The underwriter may ask for a clarification. Tom keeps you posted. After final approval you’ll review numbers, wire to title, bring two IDs — and leave with keys.
Today. If you know your credit is strong, Tom can go over income, liabilities, and a payment you’re comfortable with so your Realtor searches the right price range. If you aren’t 100% sure your credit is excellent, now is the time to find out — so anything that needs work can be fixed before you’re ready to buy.
Yes. When Tom pulls your credit, he sees today’s scores and your potential scores. He can run a report with a specific path to maximize those scores.
It depends on the goal. Lower the monthly payment? Shorten the term and save interest? Drop PMI you no longer need? Consolidate high-interest debt? Cash-out for improvements or college? Tom reviews those questions with you before anyone talks rate sheets.
As a broker, Tom has access to just about everything in the lending world — including reverse mortgages, bank-statement, and asset-depletion loans. He specializes in conventional, FHA, jumbo, and VA. Licensed through Edge Home Finance, LLC in AZ, CA, CO, FL, MI, and WA.
Absolutely. Buying or refinancing is a big deal. Tom has a presentation that’s informative and not too boring — nights and weekends included. Book a time that works for everyone.
Purchase and refinance files for Castle Rock, Parker, Castle Pines, Highlands Ranch, and Lone Tree — including the HOA, metro-district, and new-construction details a national call center tends to skip. Tom has lived in and served Douglas County as a mortgage broker since 2010. Licensed through Edge Home Finance, LLC in AZ, CA, CO, FL, MI, WA.
Douglas County mortgage hub · VA loans · Down payment assistance
Tom will walk through options together — nights and weekends included.
