Your Trusted Denver Mortgage Lender
You run your own business in the Denver Metro area, building real wealth through hard work, but traditional banks shut the door on your home purchase because your tax returns show deductions instead of your true cash flow. Your Denver mortgage lender needs to look at your 12-24 months of bank statements to see the deposits that prove your stability. You deserve financing that matches your reality, not some rigid W2 box.
That’s exactly what we deliver at Forward and Reverse Mortgage, LLC. We’re a local Denver mortgage lender founded in 2020 by Judy Shultheiss (NMLS #2449910), right here in Aurora, Colorado. Judy became a mortgage professional after watching her self-employed family struggle to qualify for loans despite strong income—banks fixated on tax write-offs while ignoring actual earnings. She built our company to fix that, focusing on borrowers like you who get overlooked by big banks.
From our office at 3000 S. Jamaica Court, Suite 280, Aurora, CO 80014, we serve the entire Denver Metro area—including Aurora, Denver, Boulder, Littleton, and 20+ surrounding cities. We’ve helped hundreds of local self-employed pros, real estate investors, and seniors secure homes with our expertise in non-QM loans, bank statement programs, dscr investor loans, and reverse mortgages. Judy personally reviews every file, ensuring you get VIP attention—no call centers, no rushed decisions.
Our philosophy is simple: You deserve the home of your dreams! Whether it’s a DSCR loan where rental income covers the mortgage (aiming for 1.0+ coverage ratio), bank statement loans averaging your business deposits, or HECM reverse mortgages for homeowners 62+, we handle the details. Not all borrowers will qualify. Terms and conditions apply.
Ready to talk? Call Judy directly at 303-881-5514 for your free consultation.
How We Unlock Financing Big Banks Overlook
Self-employed Denverites build thriving businesses, but tax deductions slash your reported income on returns, leaving traditional lenders blind to your steady cash flow from client payments and operations. That mismatch causes denials every time, even when your bank deposits scream stability. We fix it with bank statement loans, pulling from your 12-24 months of statements to average deposits and prove your true earning power—typically qualifying 100% of your averaged income minus reserves.
Real estate investors hit the same wall: multiple properties mean complex income streams that don’t fit neat W2 boxes, stalling portfolio growth. Our dscr investor loans shift the focus to the property itself, calculating Net Operating Income (NOI) divided by debt service for a coverage ratio of 1.0 or better, which means the rental income alone covers your mortgage payment. You scale your investments without personal income hurdles, often with 20-25% down on properties over $550,000 in hot Denver Metro markets like Aurora and Littleton.
Seniors 62 and up face fixed incomes that barely cover bills, tying up home equity they earned over decades. Our HECM reverse mortgages convert that equity into tax-free cash—monthly payments, lump sums, or lines of credit—eliminating your existing mortgage in many cases, because the loan only becomes due when you sell or pass. Choosing our specialized programs means you access options big banks skip, turning overlooked qualifications into homeownership reality.
Judy Shultheiss (NMLS #2449910) brings this expertise from years helping families just like yours, personally reviewing every file for accuracy under RESPA and Dodd-Frank rules. We deliver VIP service—no endless transfers, just direct guidance from our Aurora office.
You deserve financing that sees your full picture. You deserve a lender who fights for your approval. That’s why hundreds trust us. Not all borrowers will qualify. Terms and conditions apply.
Ready for your path forward? Call Judy directly at 303-881-5514 for your free consultation.
Join Hundreds of Denver Borrowers We’ve Helped Succeed
You deserve a Denver mortgage lender who uncovers your true income through bank statements, not tax returns.
You deserve DSCR loans that let rental properties pay for themselves without personal income roadblocks.
You deserve reverse mortgage options that turn your home equity into reliable cash flow at age 62+.
That’s our commitment at Forward and Reverse Mortgage, LLC—you deserve the home of your dreams! Judy Shultheiss (NMLS #2449910) reviews every file personally from our Aurora office at 3000 S. Jamaica Court, Suite 280, Aurora, CO 80014, ensuring RESPA-compliant guidance tailored to Denver Metro borrowers in Aurora, Denver, Boulder, Littleton, and beyond.
Picture this: We pull your 12-24 months of deposits, calculate your DSCR ratio aiming for 1.0+, and map out approvals big banks miss. Once approved, you close in 30-45 days and move forward with confidence. The next step starts with your free quote—call Judy directly at 303-881-5514 from anywhere in the Denver area.
Not all borrowers will qualify. Terms and conditions apply.