Judy Shultheiss Mortgage Broker Denver NMLS #2449910
You run your own business in Denver Metro, pulling in steady cash flow that tax returns barely show because of smart deductions. Banks reject you anyway, ignoring your bank statements and real earnings. Self-employed folks, investors, and retirees hit these walls every day.
Judy Shultheiss mortgage broker Denver NMLS #2449910 at Forward and Reverse Mortgage changes that. We deliver non-QM loans, DSCR investor programs, 1099 income options, and reverse mortgages that match your situation.
Our team serves all of Denver Metro—from Aurora to Boulder—out of our office at 3000 S. Jamaica Court, Suite 280, Aurora, CO 80014. Since 2020, we’ve guided hundreds of local borrowers through approvals others denied, using DTI and LTV calculations tailored to Colorado’s market. Judy personally reviews files for the best fit. Not all borrowers will qualify. Terms and conditions apply. Forward and Reverse Mortgage, LLC NMLS #2449910.
Why Banks Reject You — And How We Approve
Self-employed Denver folks show DTI ratios that scare traditional lenders because tax returns hide your true earnings through deductions. We fix that with bank statement loans using 12 or 24 months of deposits, which means your cash flow directly boosts qualifying power and unlocks up to 90% LTV on homes over $550,000 here in Colorado’s market.
Investors scale faster with our DSCR investor programs, where property NOI covers debt service at 1.0x or better — no personal income needed. This causes big banks to balk at multiple rentals, but we approve because Judy Shultheiss mortgage broker Denver NMLS #2449910 built direct ties to non-QM investors who get it.
Choosing us means turning “declined” into “funded” in 30-45 days, just like the hundreds we’ve helped since 2020 from our Aurora office.
You earn steady income banks ignore. You deserve a loan that matches your reality. Judy reviews every file personally. That’s why locals call her first.
Call Judy directly at 303-881-5514 for your free consultation. Not all borrowers will qualify. Terms and conditions apply. Forward and Reverse Mortgage, LLC NMLS #2449910.
Secure Your Approval Now
Your cash flow proves your strength. Bank statements show your true earnings. Judy Shultheiss mortgage broker Denver NMLS #2449910 turns that into funding others deny.
You deserve this path forward. Picture keys in hand after 30-45 days. Once approved, scale your investments or ease retirement from our Aurora office at 3000 S. Jamaica Court, Suite 280.
Get your free estimate today—call Judy directly at 303-881-5514. We’re your Denver Metro neighbors, ready right here in Aurora.
Not all borrowers will qualify. Terms and conditions apply. Forward and Reverse Mortgage, LLC NMLS #2449910.