What is a mortgage broker?

A mortgage broker acts as an intermediary between the borrowers and lenders. Traditionally, banks and other lending institutions have sold their own products. ... Mortgage brokers exist to find a bank or a direct lender that will be willing to make specific loan an individual is seeking.

Is it better to use a mortgage broker or lender?

There are several advantages to using an independent mortgage broker over a bank or mortgage banker. Brokers have several lenders they can submit your loan application to. This makes them an attractive option, especially for borrower's with difficult loans such as low credit scores or income issues.

What does a mortgage company do?

A mortgage company is a business with the principal activity of providing or servicing mortgage loans. A mortgage company may be a chartered bank, a credit union, a trust company or other financial institution providing mortgage loans.

How much does one point lower your interest rate?

This is also called “buying down the rate,” which can lower your monthly mortgage payments. One point costs 1 percent of your mortgage amount (or $1,000 for every $100,000). Essentially, you pay some interest up front in exchange for a lower interest rate over the life of your loan.

Is it better to pay closing costs out of pocket?

The obvious advantage to a zero closing cost loan is that it will reduce the amount of cash needed to close down to the amount of the down payment. You will have to pay a slightly higher interest rate on the mortgage, but then you will have minimized the amount of cash that you will need to come up with.

Colorado Reverse Mortgage - Denver Mortgage Broker. HECM Loans & Reverse Mortgage Brokers

Local Denver Mortgage Company

Why Choose Silver Leaf Mortgage?

With over a century of combined experience in the mortgage industry, we know mortgages. From Reverse Mortgage to FHA and VA loans to Jumbo and Specialty Loans and everything in-between, we have the skills to help Colorado families find the right loan products that best suits their needs. Our team is dedicated to providing top-notch service and going above and beyond expectations. When you work with Silver Leaf Mortgage, you can be confident that you’ll get high-quality, cost-effective home loan products and services all while working with a local professional.

Our mission is to love and serve our clients well.

We make house calls. Don’t worry about the traffic! Even for your closing.

We review your home prior to the appraisal to ensure FHA compliance, saving you time and money.

#1 Reverse Mortgage Broker in Colorado.

We can help with cost-effective repairs prior to the appraisal, working with certified contractors, resulting in more funds for you.

Reverse Mortgages are our specialty. We help people other lenders turn down.

We close most loans in less than 30 days. The industry standard is 90 days.

Rated A+ by the Better Business Bureau.

Voted “Best of the Best” by readers of Colorado Community Media.

Our Featured Services

We offer a wide variety of home loans in Denver, including conventional loans, FHA loans, and more. We’re proud to specialize in a few services that set us apart from other loan providers in the area:

We are the #1 Reverse Mortgage Broker in Colorado Reverse Mortgage lending, and 37th top Reverse Mortgage Broker in the country. We love working with clients to help them understand how they can benefit from a reverse mortgage, and we guide you every step of the way. We specialize in home equity conversion mortgages (HECM), jumbo reverse mortgages, and reverse mortgages for purchase.

Buying a new home is both exciting and intimidating. Whether it’s your first home or your fifth, let us help you with securing a new home loan. We work hard to help make the process as easy as it can be. If you have limited funds for a down payment and want to discuss down payment assistance, or if you have questions about underwriting, we can give you the information you need.

Silver Leaf Mortgage provides loan options for individuals looking for very specific loan options or loans specific to their financial situation. Some loan options fail to meet bank criteria for funding. These loans are grouped into specialty loans called non-conforming loans. Reasons include the loan amount is higher than the conforming loan limit (jumbo loans), lack of sufficient credit, the unorthodox nature of the use of funds, or the collateral backing it. Let Silver Leaf Mortgage provide the guidance needed to find the perfect loan based on your current needs.

Interested in refinancing your home? We can help. Refinancing your home doesn't have to just be done out of necessity. If you want to shorten the term of your loan, lower your interest rate, drop your mortgage insurance, or consolidate high-interest debt, refinancing may allow you to do that. We'll work with you to help you determine if refinancing is worth it or if there may be another option that is a better fit.
When you work with Silver Leaf Mortgage, you can be confident that you'll get high-quality, cost-effective home loan products and services. Contact us today to learn more about our products and services at 720-458-4036 !

Your Denver Mortgage Broker — Proudly Serving all of Colorado

Based in Denver, Colorado with offices in Centennial, we are proud to be the premier mortgage broker providing services throughout Denver, the Front Range, and across Colorado. In fact, we are the #1 Denver Mortgage Broker and top in Colorado Reverse Mortgage lending. We offer a wide variety of home loans: Conventional loans—including VA, FHA, and others—home purchase, refinance, non-conventional specialty loans, and more. We’re proud to specialize in services that set us apart from other loan providers, especially Reverse Mortgages and Specialty Loans. It’s our level of extraordinary customer service that truly sets us apart.

Are You Financially Prepared for Life’s Unexpected Events?

silverleafmortgagesJanuary 8, 2021

For most retired homeowners 62 and older, living on a fixed income is a challenge. And, when faced with unexpected life events such as losing your spouse, needing nursing care or having medical or dental emergencies arise, most have no way to cover these unexpected expenses. Thankfully, Silver Leaf Mortgage’s, Colorado’s #1 Reverse [...]

Financial Assistance

silverleafmortgagesJanuary 1, 2021

Are you a homeowner 62 or older? Have you ever found yourself having to choose between buying food or medicine? How about having to put off a medical or dental procedure due to limited funds? If you have been faced with having to make a tough financial decision of any kind stop reading [...]

Fixed-Income Fight

silverleafmortgagesDecember 25, 2020

Have you found now that you are retired you constantly worry about which bills to pay on your fixed income? Is there no joy in the Golden years because your budget is so tight? A reverse mortgage may be the lifesaving help you need. With a government-insured reverse mortgage, you can pay off [...]

Read our Amazing Testimonials!

Silver Leaf Mortgage helped connect us with the right people that were able to give our home of 50 plus years a makeover that resulted in not only a higher appraisal value, but a renewed sense of pride and usage. We have and will continue to recommend Silver Leaf Mortgage to friends. Everyone we worked with was straightforward and very patient. The Silver Leaf Team was always accessible, professional, knowledgeable and helpful.

- Janet and Gerry B. ~ Denver

My experience with Silver Leaf Mortgage was easy. They answered all my questions and the questions my family had. Everyone involved did an excellent job. I will be more than happy to recommend your company. Thank you for everything!

- Maria D. ~ Denver

Great service! Silver Leaf went the extra mile – eliminated minor glitches that were holding up approval. Jim Doyle did a wonderful job! We would recommend Silver Leaf Mortgage to our friends!

- William and Brenda G. Erie ~ Erie

We feel very privileged to have had Silver Leaf Mortgage do the refinancing on our Reverse Mortgage loan! Having heard about Silver Leaf Mortgage on the Reverse Mortgage program on the radio, we were highly impressed by their knowledge, and trusted that they could get the job done in a skillful manner no matter what obstacles stood in the way, and sure enough, they could get everything done that came up in no time! And, may I add, Silver Leaf made an otherwise stressful situation very pleasant! Thanks also to Diane!

- Ron and Rose M. ~ Denver

I was very pleased with the help and guidance of Silver Leaf Mortgage. It is a big relief to have my finances in order for the future. I will continue to refer Silver Leaf Mortgage.

- Joyce C. ~ Denver

Once we decided to move forward, Jim proceeded in an organized and clear fashion, requiring very little work or effort on our part. This great service included coming directly to my mother’s house for the initial meetings all the way through closing, which my elderly mother especially appreciated. It is with great pleasure and confidence that I recommend Jim and Silver Leaf Mortgage.

- J.P. ~ Lakewood

In making the decision to enter into a reverse mortgage is not an easy one, at least not for us. To have someone that conveys the knowledge & concern to help us through this decision process is very important. Jim Doyle happens to understand the process, because of his knowledge, overall professionalism, and most of all his patience and understanding to our needs. Kudos to Jim and all of his staff!

- Leslie N. ~ Thornton

Silver Leaf helped us get our from under a lot of worry and their team was the best. We would recommend you to anyone who will listen! Fantastic!

- Wayne & Bev W. ~ Denver

Cheyenne, you captured me! I had my calls before but you got me! Thank You! Matt, and Dianne I grew to know and trust. They all, were to answer questions and working with Matt we built a closet. Appointments were made at my convenience and promptly helped. I was explained in detail all the aspects of the process. I know I can call on my team at Silver Leaf Mortgage now and in the Future.

- Nick L. ~ Brighton

We want to thank you and your team for helping us. I woke up this morning and I felt like now everything is going to be ok. THANK YOU AND GOD BLESS YOU!

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For information regarding document signing and loan protocols please click here.

Local Denver Mortgage Company

Why Choose Silver Leaf Mortgage?

Our Featured Services

Reverse Mortgages

New Home Purchases

Specialty Home Loans

Home Refinancing

Your Denver Mortgage Broker — Proudly Serving all of Colorado

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Are You Financially Prepared for Life’s Unexpected Events?

Financial Assistance

Fixed-Income Fight

Read our Amazing Testimonials!

- Janet and Gerry B. ~ Denver

- Maria D. ~ Denver

- William and Brenda G. Erie ~ Erie

- Ron and Rose M. ~ Denver

- Joyce C. ~ Denver

- J.P. ~ Lakewood

- Leslie N. ~ Thornton

- Wayne & Bev W. ~ Denver

- Nick L. ~ Brighton

- Beverly & Mark W. ~ Aurora

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We are the top Reverse Mortgage Broker in the state of Colorado for 2017 and 2018 by Reverse Market Insight!

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