Forward and Reverse Mortgage, LLC
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Forward and Reverse Mortgage, LLC — service areas for borrowers across Denver Metro, Colorado.

Forward and Reverse Mortgage serves 20+ cities across the Denver metro and Colorado statewide.

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Aerial view of sunny Colorado neighborhood — Forward and Reverse Mortgage NMLS #2449910

Discover tailored mortgage solutions from Forward and Reverse Mortgage (NMLS #2449910), your trusted Denver CO lender. We specialize in forward and reverse mortgages for homebuyers and investors across Colorado, with deep local expertise in Denver, Aurora, Lakewood, Thornton, Westminster, Arvada, Englewood, Littleton, and over 20 more vibrant cities statewide. Experience personalized, in-person service that puts your needs first, whether you're buying your dream home or optimizing investments. Find your city below and let's secure your financial future today.

Mortgage Services Throughout Denver Metro

You own a business in Denver Metro, pouring over bank statements that prove your steady cash flow, yet big banks dismiss you because your W2s don’t exist. Investors face the same roadblock—strong rental income ignored by rigid lenders.

We fix that at Forward and Reverse Mortgage, LLC. Judy Shultheiss (NMLS #2449910) leads our team, serving Denver Metro borrowers since 2020 right from our Aurora office at 3000 S. Jamaica Court, Suite 280. We’ve helped hundreds qualify for loans others denied, building trust across the region.

Our crews handle everything from bank statement loans and DSCR investor programs to self-employed mortgages, 1099 income options, reverse mortgages (HECM for 62+), FHA, VA, and jumbo loans—all tailored for Denver Metro’s fast market.

  • Bank statement programs using 12-24 months of deposits
  • DSCR loans where property NOI covers payments at 1.0x+
  • Reverse mortgages turning home equity into cash flow
  • First-time buyer and refinance options with low down payments
  • Non-QM lending for unique situations like gig workers

We cover every corner, from Aurora and Denver to Boulder, Littleton, and beyond. Not all borrowers will qualify. Terms and conditions apply.

Why Denver Metro Lenders Can’t Match Us

Self-employed borrowers in Denver Metro hit walls with big banks because tax returns hide your true cash flow through deductions. Our bank statement programs fix that—we use 12-24 months of deposits to prove income stability, which means you qualify directly for homes over $550,000 that others deny.

Investors thrive too. DSCR loans approve based on rental NOI covering payments at 1.0x+, allowing portfolio growth without DTI limits from personal earnings. Choosing DSCR means your properties fund themselves, scaling your real estate empire naturally.

Reverse mortgages deliver for 62+ homeowners: HECM programs convert equity to monthly cash, eliminating payments because your home’s value secures it all.

Judy Shultheiss (NMLS #2449910) reviews files personally from our Aurora office, spotting approvals big lenders miss.

You know your finances work. You deserve a straight path to closing. That’s why Denver Metro clients choose us every time.

Not all borrowers will qualify. Terms and conditions apply.

Close Fast on Your Denver Metro Property

Your bank deposits tell the real story. You deserve lenders who qualify you on actual cash flow. Denver Metro borrowers win with our programs every day.

We review your file, spot the path forward, and get you to closing. Once pre-approved, you shop homes knowing your budget holds.

Judy Shultheiss (NMLS #2449910) delivers free estimates from our Aurora office at 3000 S. Jamaica Court, Suite 280. Call her direct at 303-881-5514.

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