Your Trusted Mortgage Lender in Englewood, Colorado
Englewood’s redeveloped commercial corridors along Broadway draw ambitious young professionals and entrepreneurs, but landing a home loan here feels like an uphill battle. You’re self-employed or pulling in 1099 income from the area’s booming tech and service sectors, so your tax returns show deductions that slash your reported earnings—leaving traditional banks to reject you outright. Your bank statements prove steady cash flow month after month, yet lenders fixate on W2s that don’t exist, while median home prices top $550,000 and that hot rental market screams investment opportunity you can’t touch. Every denial stacks up, delaying your move into one of those updated townhomes or multifamily properties everyone’s snapping up.
We know this frustration inside out because we talk to Englewood borrowers facing it daily. As your local mortgage team at Forward and reverse mortgages (NMLS #2449910), we’ve seen how these roadblocks keep solid folks sidelined. Not all borrowers will qualify. Terms and conditions apply.
Non-QM Home Loans Englewood Pros Turn To
Banks reject Englewood self-employed borrowers because tax deductions bury your true earnings, which means your bank statements—proving consistent deposits—get overlooked entirely, so you watch home loans Englewood opportunities slip to W2 workers. That’s why our non-QM mortgage Englewood programs step in: we qualify you using 12-24 months of personal or business bank statements at 100% of deposits for bank statement loans, or dscr investor loans where the property’s NOI covers debt service at 1.0x minimum. You access those multifamily rentals or townhomes without traditional DTI hurdles.
We structure every non-QM loan to meet Dodd-Frank’s Ability-to-Repay exceptions, which prevent mismatched lending by verifying cash flow over paperwork. Colorado DORA audits NMLS #2449910 licensees like us rigorously in Arapahoe County, tying compliance to local fire codes and property standards that Englewood enforces on every closing.
Your cash flow qualifies you right now. Englewood’s rental demand favors investors like you. We make approval straightforward.
Englewood Mortgage Market – Our Proven Edge
Notice Englewood homebuyers competing for townhomes priced over $550,000 amid surging rental demand from young professionals along Broadway’s hotspots. Realize traditional lenders drag their feet on self-employed applications here, where 1099 tech workers and investors dominate. See our difference: picture Judy Shultheiss (NMLS #2449910) walking you hands-on through your bank statements at our Aurora office, just 10 minutes north—spotting cash flow patterns others miss.
Our team has funded 500+ non-QM loans across Denver Metro since 2020, including 150+ bank statement and DSCR deals in Englewood, Littleton, and Centennial last year alone. We close 95% of qualified files in 21 business days, beating market averages by half. Littleton’s residential boom and Centennial’s investor warehouses mean steady flips and rentals—areas we serve daily from our base at 3000 S. Jamaica Court, Suite 280, Aurora, CO 80014. Borrowers tell us they feel the speed and certainty right away. Not all borrowers will qualify. Terms and conditions apply.
Why Forward and Reverse Mortgage for Your Englewood Mortgage
Judy Shultheiss (NMLS #2449910) leads our team from our Aurora office at 3000 S. Jamaica Court, Suite 280—just a 10-minute drive from Englewood’s Broadway corridor. She personally reviews your bank statements and DSCR calculations, which means overlooked cash flow from your 1099 gigs or rentals turns into approved loans others deny. Our free consultations happen same-day by (303) 881-5514 or in-office, delivering a full pre-approval scenario within 24 hours—particularly vital when Englewood townhomes over $550,000 move fast.
We skip call centers; Judy answers directly at 303-881-5514 anytime during business hours. Expect 21-day closings on 95% of qualified non-QM files, with transparent pricing from day one—no hidden fees, full Dodd-Frank compliance verified by Colorado DORA. Not all borrowers will qualify. Terms and conditions apply.
Englewood investors trust our local edge. Your steady deposits prove your strength. Speed matches your market.
Our Englewood team offers bank statement loans, dscr investor loans, and self employed mortgages for local warehouses. See our Arvada service hub for the full metro service area.
Our Englewood team offers bank statement loans, dscr investor loans, self employed mortgages, and 1099 income programs for local warehouses. See our Arvada service hub for the full metro service area.