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At the Mortgage Maestro Group, we are here to help you navigate through the complicated seas of house-hunting to the promised land of home ownership. Whether you are refinancing, a first-time buyer, buying a rental property, or you’re finally ready for your dream home, we have you covered. Let our home loan and Denver mortgage banker professionals guide you through the maze of purchasing a home with relative ease.

The Mortgage Maestro Group has decades of combined experience in the field, and we are dedicated to finding the best solution for our clients when it comes to buying a home. Our varied backgrounds have given us an expertise and a unique perspective on the industry, and we conduct ourselves accordingly!

Mortgage Maestro: A Trusted Mortgage Broker in Denver Colorado

Whether you’re buying your first home or your fourth, the mortgage process can be complicated and stressful to navigate. Questions about credit history, pre-approval, and interest rates abound, and the decisions you make will impact your finances well into the future. Thankfully, you don’t have to go it alone, especially if you choose to work with Mortgage Maestro, a mortgage company in Colorado with licensed and qualified brokers who can guide you through the mortgage process and make your home-owning dreams a reality.


Should You Work With a Mortgage Broker in Denver Colorado?

You may still be wondering if working with a mortgage broker is the right decision for you. It’s certainly possible to handle the process on your own and work directly with mortgage lenders, but if you’re on the fence, here’s a summary of the best situations in which to work with a mortgage broker.


Take the first steps toward home ownership

You’ll find information on this website that will tell you about us, what we do for you, and a few simple steps to begin the process. Or, you can call one of our mortgage professionals at 303-779-0591. We’re ready to help.

Denver Mortgage Lender

Learn more about Mortgage Maestro – Your Denver Mortgage Lender

Denver Mortgage Broker versus Lender

Learn more about the differences between a Mortgage Broker and a Mortgage Lender.

Denver Mortgage Company

We are located in Denver Colorado. You can find us at 1720 South Bellaire Street #315 Denver, CO 80222. Find us on G+


The decision to purchase a new home or refinance your mortgage is an important one. As your Denver Mortgage Broker, we’re here to help make sure you choose the home loan program that suits your needs.

How much can I afford?

Many factors are are at play. How much can I borrow? How much can I put toward my down payment? How will my credit affect my loan value? Real estate can be a big gray area, with few black and white answers. Let us help you navigate.

What's my down payment?

Your bank account isn’t the only place to find funds for your home loan down payment. If cash on hand is light, consider other options for securing funds for the down payment on your first home.

How much can I borrow?

This is an important question, one that you’ll want to have answered before you start house hunting. We’re here and happy to help you figure out how much you’ll be able to borrow for your home loan.

How much can I afford?

With a VA Home Loan you will be provided home loan guarantee benefit and other housing-related programs to help you buy, repair, retain, or adapt a home for your own personal occupancy. Afterall, you earned the benefit through sacrifice of service. Work with us, we are led by a Veteran of the US Navy at the helm.

What's my down payment?

VA loans don’t require a down payment. There may be instances where you choose to make one. Let us help you navigate the possibilities.

How much can I borrow?

VA Home Loans are provided by private companies, such as banks and lenders. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

How much can I afford?

Buying your first home on a single income can be an intimidating experience. Let us help you steer your way through. We take an educational approach to the home loan process so you close on the house and are an educated homeowner.

What's my down payment?

You have many options at your disposal for securing funds. Liquid savings isn’t the only way to make a down payment. Home loan down payments can range from $0 – ?? , let us help you with your strategy.

How much can I borrow?

First things first, you’ll want to figure out how much money you can borrow for your home loan. Let us help.

How much can we afford?

For a family, buying a home can be an exciting, albeit stressful experience for all. Rewriting the budget for an entire family can be taxing, but we’re here to help.

What's our down payment?

There are many ways to make your down payment, not just what liquid savings you have on hand. Let us help figure out the best options to make your home loan down payment.

How much can we borrow?

The most important question to have answered before you start house-hunting. Let us help you get the information you need to start your search. Sometimes it is about how much you can afford. After-all, quality of life is important as well.

How much can I afford?

Regardless of whether we are in a downsizing or upswing, let us be your guide. The ramifications on the real estate market are clear, and with recovery prices low, more and more investors are dipping their toes back into the real estate pool. Unfortunately however, the days of quick and easy lending have gone the way of the dodo bird. Credit is important, as is your down payment. The tides of investment borrowing have changed, sure, but real estate investment can still be a very profitable endeavor. Let the team at Mortgage Maestro be your guide.

What's my down payment?

In today’s real estate investment market, the larger your down payment, the stronger your chances of getting a home loan. Responsible lending practices have usurped the previous loan standards, creating a more realistic marketplace. Past mistakes have made lenders wary of real estate investors, and mortgage insurance doesn’t cover investment properties. You’ll need at least a 20% down payment in order to secure traditional financing. On the other side of the coin, you may decide to try and secure a second mortgage on the property, however this will more than likely prove to be an uphill battle. At Mortgage Maestro, we stay far in front of market trends and progressive lending practices. Let us help you.

How much can I borrow?

The amount you’ll be able to borrow hinges on a number of factors. Your credit score is integral in lending institutions deciding how much money you’ll be able to secure. If real estate investment is a game, the ‘strong borrowers’ will always win the day. A good history as a ‘strong borrower’ shows potential lenders that you are smart with your borrowing, and choose investments with a high rate of return. Borrowers with credit scores below 740 will start to cost you more in interest. Long-term planning will help as well. For investors with rental properties, lenders love to see six-month reserves for each investment property you have, as it shows that even with vacancies, you’ll be able to stay current on payments.

How much can I afford?

The Department of Housing and Urban Development created the FHA 203(k) program as a way to breathe life back into recovering communities and modernize old neighborhoods while helping families who would otherwise have trouble securing loans. Typical loans of this nature have no limit on repairs, but the max mortgage amount has to meet specific LTV ratios. Let the experts at Mortgage Maestro help you figure out what works best for you.

What's my down payment?

Obviously the more you can afford to pay up front, the more options you will have.

How much can I borrow?

With an FHA 203(k) loan, you may be able to borrow up to 110% of the value of the home after the home repairs. There are insurance incentives available to borrowers wishing to install solar panels and other green improvements to the home. Note the interest on the portion of the loan greater than fair market value of the dwelling is not tax deductible for Federal income tax purposes; consult a tax adviser for further information regarding the deduct ability of interest and charges.


There are home loan options for all walks of life. The difference in financial circumstances between a Veteran and a family can be drastic. At The Mortgage Maestro Group, we can create a personalized loan solution tailored specifically to you and your needs. Below are examples of different loan solutions:


“FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so your lender can offer you a better deal.”

-U.S. Department of Housing and Urban Development

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VA loans helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, repair, retain, or adapt a home for your own personal occupancy.”

-U.S. Department of Veterans Affairs

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Down payment assistance and community redevelopment programs offer affordable housing opportunities to first-time homebuyers, low-income and moderate-income individuals and families who wish to achieve homeownership.

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Conventional or FHA 203(k) loans works toward the repair and rehabilitation of eligible properties. These programs are designed to help families obtain housing while modernizing neighborhoods. There is an option for more in depth and structural change to the home. While more streamlined version of this is the classic 203(k) loan, which affords the opportunity to do nonstructural improvements on your home for things like newer appliances, new gutters, or a fresh coat of exterior paint. You can use these mortgage options to wrap in rehab/remodel costs at the time you close on your house; how awesome is that? These loans work for purchase or refinancing your home.

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Conventional loans typically have an adjustable or fixed rate of interest. Fixed interest rate loans usually have a term of 10 to 30 years. Loans in which the terms are shorter will typically have lower interest rates. ARMs (Adjustable Rate Mortgages) shift with the rate of a standard financial index. This is a great option for those who have higher credit scores, stronger credit profiles, and debt ratios as well. But also can offer a strategic way to finance your home with as little as three-percent-down on the home.

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Jumbo loans are for more expensive properties, where the mortgage loan amount can exceed the conforming loan limits set by the OFHEO (Office of Federal Housing Enterprise Oversight). Jumbo loans are not eligible to be purchased, secured or guaranteed by Frannie or Freddie, so they are considered non-conforming by nature.

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