Business Details
Your Trusted Mortgage Partner in Elizabeth, CO
Banner Mortgage, a division of Universal Lending, has served Colorado homebuyers for over 40 years. We specialize in USDA, VA, FHA, and conventional loans, prioritizing personalized guidance and community trust. Our team combines decades of experience with a commitment to making homeownership accessible and stress-free. We pride ourselves on transparent communication, tailored financial solutions, and a family-first approach to client relationships.As a Homes for Heroes Loan Specialist, we offer exclusive discounts to recognize service members' contributions. Our mission is to build lasting relationships by turning homeownership dreams into reality through expertise, honesty, and exceptional service.
Services
Home Purchase Loans
Refinancing
USDA Loans
VA Loans
FHA Loans
Down Payment Assistance
Highlights and features
- We offer over 40 years of experience in mortgage lending.
- Our team provides personalized guidance throughout the loan process.
- Specialized expertise in USDA Rural Housing Loans.
- Community-focused with local knowledge of Colorado markets.
- Proven track record of client satisfaction and referrals.
Associations and certifications
- NMLS Licensed
- CHFA Approved Lender
What people say
Outstanding to work with
Knowledgeable and patient
Timely communication
Made process stress-free
Highly recommend
Services
Home Purchase Loans
We specialize in conventional home purchase loans tailored to Colorado buyers. Our process includes pre-approval guidance, personalized rate comparisons, and step-by-step support through closing. Clients benefit from our local market expertise and commitment to finding financially sustainable solutions.
USDA Loans
Expert assistance with USDA Rural Housing Loans, including eligibility verification and paperwork navigation. We simplify this specialized program for qualified buyers in eligible Colorado areas. Our team ensures compliance with unique USDA requirements while maintaining a stress-free experience.
VA Loans
Dedicated VA loan services for military members and veterans. We honor service through exclusive discounts and streamlined processes. Our specialists handle Certificate of Eligibility applications, benefit maximization, and timely closings tailored to veterans' needs.
Refinancing
Comprehensive refinancing options to reduce rates, adjust terms, or access home equity. We analyze current market conditions against individual financial goals. Clients receive transparent cost-benefit analyses and personalized rate-lock strategies.
Down Payment Assistance
Guidance for first-time buyers navigating down payment programs. We connect clients with local and federal assistance options, coordinate grant applications, and structure loans that minimize upfront costs while maintaining long-term affordability.
People
Lisa M. Lessard
Loan Officer
With over 30 years of mortgage experience, Lisa specializes in USDA, VA, and FHA loans. She prioritizes client education and personalized service, maintaining 24/7 availability for client questions. Her expertise has helped hundreds achieve homeownership in Colorado.
Questions
What loan types does Banner Mortgage offer?
We specialize in conventional, USDA, VA, FHA loans, and down payment assistance programs for Colorado homebuyers.
How does the mortgage pre-approval process work?
Start with our online application. We'll verify income, assets, and credit to determine your loan eligibility and budget range.
Do you offer first-time homebuyer programs?
Yes, we provide specialized guidance for first-time buyers, including down payment assistance and CHFA-approved programs.
What sets Banner Mortgage apart from other lenders?
Our local expertise, personalized service, and 40-year community commitment ensure tailored solutions and ongoing support.
