Littleton, Colorado · Since 2003
The Bank Wants You Complacent
We Want You Empowered
An independent brokerage that compares lenders on your behalf — from first-time buyer programs to reverse mortgages and commercial deals.
720-502-3278Four lending divisions
Most brokers do one of these well. We run all four, so the right answer isn't limited to the products we happen to carry.
Home loans
Purchases and refinances for buyers with a W-2, a business, or a portfolio of rentals.
See programsReverse mortgages
Turn built-up equity into a payment-optional loan or a standby line of credit at 62+.
See programsSpecialty financing
Construction, bridge, fix-and-flip, short-term rental, and property in Mexico.
See programsCommercial lending
Apartments, storage, mobile home parks, medical, hospitality, and owner-occupied space.
See programsHow it works
- 01
Tell us the situation
A five-minute call. Self-employed, first purchase, a rental portfolio, or equity you want to use — the plan changes with the details.
- 02
We shop it
As a broker we compare programs and pricing across many lenders instead of selling you the one product a bank happens to offer.
- 03
You close
One point of contact from application to signing, with the same person answering the phone the whole way through.
Run the numbers first
Estimate a full monthly payment including taxes and insurance, or work backward from your income to a realistic price range. Then send the scenario over for a real review.
Request a quote
A short form, no credit pull, and a real answer back from Zach P. Smith — usually the same business day. Ready to apply instead? Start the secure application.
Talk to a broker, not a call center
Tell us what you're trying to do and we'll tell you honestly whether it works, what it costs, and what comes next.