Mortgage Services in Denver Metro
You run your own business or invest in rentals across Denver Metro, but traditional banks shut you down because your tax returns don’t match your steady cash flow from bank deposits. You deserve mortgage services that verify your real income through 12-24 months of statements, not rigid W2 rules.
We deliver those mortgage services at Forward and Reverse Mortgage, LLC. Judy Shultheiss (NMLS #2449910) leads our team, serving local borrowers since 2020 right from our Aurora office at 3000 S. Jamaica Court, Suite 280. We’ve helped hundreds qualify for homes over $550,000 in this fast market, from Aurora to Boulder and beyond.
Our mortgage services cover what Denver folks need most:
- bank statement loans and self employed mortgages using your deposits
- dscr investor loans based on rental NOI covering the payment
- 1099 income programs averaging your contractor earnings
- Non-QM options outside standard QM rules
- FHA (3.5% down), VA (0% down), conventional, jumbo, reverse mortgages (HECM for 62+)
- First-time buyer programs and refinancing to lock in better terms
We know Denver’s self-employed entrepreneurs, investors, and retirees face unique hurdles – that’s why Judy reviews every file personally. Not all borrowers will qualify. Terms and conditions apply.
Why Our Mortgage Services Deliver Results
bank statement loans use your 12-24 months of deposits to verify income, which unlocks approvals for self-employed borrowers turned away by banks fixated on W-2s. That steady cash flow means you qualify for homes over $550,000 without writing off deductions on taxes.
dscr investor loans base qualification on your property’s NOI covering the mortgage payment at least 1.0-1.25x, so rental portfolios expand without personal DTI limits holding you back. Investors scaling in Denver’s hot market close faster because we skip traditional income docs entirely. Choosing our Non-QM programs means freedom from rigid QM rules – 1099 earners average two years of contractor pay, while FHA keeps down payments at 3.5% and VA offers 0% for veterans.
Judy Shultheiss (NMLS #2449910) spots these opportunities daily from our Aurora office, drawing on Colorado’s self-employed boom in tech and real estate. Our crews handle jumbo loans up to conforming limits and reverse HECM for 62+ homeowners tapping equity tax-free.
You deserve mortgage services that match your real finances. We deliver exactly that for Denver locals. Hundreds trust us yearly because Judy reviews files personally. You qualify on your terms. Call Judy at 303-881-5514 now.
Not all borrowers will qualify. Terms and conditions apply.
Ready to Unlock Your Mortgage Approval
You deserve mortgage services built for Denver’s self-employed and investors. Bank statement loans and DSCR programs match your deposits and NOI to reality. That’s why hundreds close yearly on homes over $550,000.
You recognize traditional banks miss the mark on 1099 income. We handle it directly with Judy’s personal review (NMLS #2449910). Picture owning that next rental or downsizing tax-free with HECM – once you connect, we start your free estimate right away.
From our Aurora office at 3000 S. Jamaica Court, Suite 280, Judy answers at 303-881-5514. The next step lands you pre-qualified fast.
Our full metro service line includes non qm lending, fha loans, va loans, conventional loans, and first time homebuyer.
Our full metro service line includes self employed mortgages, 1099 income programs, non qm lending, fha loans, va loans, conventional loans, jumbo loans, reverse mortgages, first time homebuyer, and refinancing.
Not all borrowers will qualify. Terms and conditions apply.