I spent 20 years in the USAF before retiring in1994. I pursued 2 degrees; 1 in Political Science the other in Criminal Justice. I earned my licenses for (01) insurance (life and health), (06-07) mutual funds stocks and bonds after that I pursued a Certified Financial Planning Certificate (CFP). I volunteered at an intervention center helping 18-30 yr. olds learn the uses of good credit and credit repair, money management, proper ways to purchase a house and the do's and don'ts of mortgages. As a loan officer and mortgage planner I have advised hundreds people on purchasing a house, the proper ways to manage investment properties and when is it right to refinance your home. Honestly this job is not always the easiest but it is always the best.

I know that each customer has specific needs, and I strive to meet those specific needs with quality service and individual attention. I pride myself in giving the client mortgage information, loan options and convenient assistance needed.

With a variety of loan programs and an established network of lenders behind me, I will find the loan that best suits the need, at a very competitive rate. I offer conforming, non-conforming and government loan programs.

I specialize in government loans, specifically FHA 203b, 203k. Recently several lenders have become FHA approved, which doesn't make them expert or even knowledgeable with the process.  From the very start in the mortgage industry I've been doing FHA loans. Because of my experience with the FHA process I work closely with those buyers most lenders call difficult, like those buyers with little or no credit and those that have had credit problems in their past (bankruptcy, foreclosure and other credit problems). Secondly, I am very familiar with how the 203k rehab loan works. Only a few mortgage companies even offer this in Colorado and even fewer are knowledgeable enough that by the time the loan process is finished and the client's home has been rehabbed, the client/ realtor/ mortgage banker relationship remains solid.

I've been called the expert at FHA loans by several realtors.

Chris is the "THE MAN" when it come to the 203K. (Susie)

Chris is man to go to if the client wants a 203k (rehab loan) (Brain)

The person to go to for FHA loan when your client has less than perfect credit or no credit at all. (Bill)

Chris got the rehab loan done and closed early (Linda)

Chris got the loan done where 2 other loan officiers failed (Chris)