Get an Estimate for Your Denver Mortgage Today
You run your own business in the Denver Metro area, but traditional banks turn you down because your tax returns hide your true cash flow from solid bank statements or rental income. You deserve a lender who verifies your real earnings through non-QM programs like 12-24 month bank statements or DSCR investor loans.
That’s where we come in at Forward and Reverse Mortgage, LLC. Judy Shultheiss (NMLS #2449910) started our firm in 2020 to serve self-employed borrowers, investors, and homeowners just like you across Denver Metro—from Aurora to Boulder. Our team at 3000 S. Jamaica Court, Suite 280, Aurora, CO 80014 has funded hundreds of these loans, handling everything from bank statement mortgages to reverse mortgages and FHA/VA options.
Judy Shultheiss NMLS 2449910
We review your situation personally and deliver a clear estimate fast. Not all borrowers will qualify. Terms and conditions apply.
Why Our Estimates Deliver Results
We analyze your 12-24 months of bank statements to verify actual cash flow, because tax returns alone hide your strong earnings from deductions—which means you qualify for larger loan amounts than banks approve. For investors, we apply DSCR calculations where rental NOI covers debt service at a 1.0 ratio or better, allowing portfolio expansion without personal income proof.
This expertise translates directly: our precise LTV and DTI assessments match you to non-QM programs like bank statement mortgages or DSCR investor loans, equivalent to unlocking doors big banks keep shut.
You deserve verification that reflects your reality. Denver self-employed borrowers recognize this edge. Our team, led by Judy Shultheiss (NMLS #2449910), has funded hundreds successfully. That’s why you call us first.
Secure Your Free Estimate Today
Self-employed Denverites qualify through bank statements—you know this works. Investors scale with DSCR loans—you see the portfolio growth. Homeowners tap equity via reverse options—you deserve that freedom.
We make it happen at Forward and Reverse Mortgage, LLC. Judy Shultheiss (NMLS #2449910) reviews your details personally from our office at 3000 S. Jamaica Court, Suite 280, Aurora, CO 80014. Your free estimate arrives fast, with clear next steps: qualification review, program match, and closing.
Call Judy directly at 303-881-5514—we answer locally for Denver Metro borrowers. Not all borrowers will qualify. Terms and conditions apply.