Business Details
21 Years
experience
Trusted Mortgage Brokers in Greenwood Village, CO
Founded in 2005, The Colorado Real Estate Finance Group has established itself as a leader in commercial and residential real estate financing. Our team combines decades of industry experience with a commitment to integrity, delivering tailored debt and equity solutions for clients ranging from individual homeowners to large developers. We prioritize client satisfaction through personalized service, leveraging our expertise in conventional, FHA, VA, and non-qualifying loan products. Our professionals hold active NMLS licenses and maintain affiliations with major industry associations, ensuring compliance with the highest regulatory standards. With a focus on innovation, we specialize in reverse mortgages to support aging-in-place initiatives while maintaining a robust portfolio of fix-and-flip and hard money lending options.Our leadership team includes nationally recognized experts who contribute regularly to industry publications and educational programs. Backed by a BBB A+ rating and multiple Torch Awards for Marketplace Trust, we combine ethical practices with cutting-edge financial strategies. Our technology-driven approach streamlines the lending process while maintaining the personal touch that has defined our client relationships for nearly two decades. Through ongoing community involvement and professional development, we continue to set benchmarks for excellence in real estate finance.
Services
Commercial Lending
Residential Lending
Reverse Mortgages
SBA Loans
VA Loans
FHA Loans
Fix and Flip Loans
Refinancing
Hard Money Loans
Jumbo Loans
Details
- Year established: 2005
Highlights and features
- 20+ years of real estate finance expertise with NMLS-licensed professionals
- Specialized reverse mortgage services for aging-in-place solutions
- Award-winning team recognized by National Mortgage Professional Magazine
- BBB A+ rated with Gold Star Award recipient status
- Proven track record handling complex financing scenarios
Associations and certifications
- Better Business Bureau (BBB) A+ Rating
What people say
Best in the business
Knowledgeable and friendly
Exceeded expectations
Professional team
Helped when all hope was gone
Services
Commercial Lending
Our commercial lending division provides tailored financing solutions for investment properties and business real estate needs. We specialize in large-scale development projects, owner-occupied commercial spaces, and income-producing properties. With access to diverse lending products including SBA 7(a) loans and conventional commercial mortgages, our experienced team helps businesses secure competitive rates and favorable terms for purchases, refinances, and construction projects.
Residential Lending
We offer comprehensive residential mortgage solutions for first-time buyers, move-up purchasers, and seasoned homeowners. Our product suite includes conventional, FHA, VA, and jumbo loan options with fixed or adjustable rate structures. Our licensed loan officers guide clients through the entire process from pre-approval to closing, ensuring clear communication and timely execution for both purchase and refinance transactions across Colorado's Front Range.
Reverse Mortgages
Our HECM-certified specialists provide reverse mortgage solutions that allow homeowners aged 62+ to convert home equity into tax-free funds. We offer comprehensive counseling to ensure clients understand all program requirements and help them choose between lump sum, line-of-credit, or monthly payment options. Our team maintains up-to-date knowledge of FHA guidelines to ensure compliance with all regulatory requirements.
Fix and Flip Loans
We provide short-term financing solutions for real estate investors purchasing properties requiring renovation. Our fix-and-flip loans accommodate purchase and repair costs with streamlined underwriting processes. The program supports both experienced investors and newcomers to the rehab market, offering flexible terms and quick funding to capitalize on time-sensitive opportunities in Colorado's dynamic housing market.
Refinancing
Our refinancing services help homeowners reduce monthly payments, shorten loan terms, or access home equity. We evaluate current market conditions and client financial situations to determine optimal refinance strategies. The process includes cash-out refinancing for debt consolidation and rate-and-term refinancing to improve long-term financial positioning while maintaining compliance with all applicable lending regulations.
People
Adam P. Smith
President, CEO
Industry leader with 20+ years experience, Adam founded the company in 2005 after successful stints at major mortgage firms. Recognized as one of the '25 Most Connected Mortgage Professionals' five times, he holds multiple industry awards and actively contributes to professional associations and community organizations.
Kimberly Havens
Senior Loan Officer & Reverse Mortgage Expert
With 28 years industry experience and dual licensing as Realtor and Mortgage Loan Officer, Kimberly provides unique insights to homebuyers. Her comprehensive understanding of both real estate and financing processes helps clients navigate complex transactions with confidence and clarity.
Dairys Friend
Operations Director
Bringing administrative expertise from public sector roles, Dairys oversees daily operations and compliance. With a history degree and Spanish minor, she ensures regulatory adherence while maintaining efficient workflow processes since joining the leadership team in 2007.
Jenn Wayboer
Marketing Director
Jenn leads digital marketing initiatives with a BA in English and political science. Her strategic approach combines creative content development with data-driven analytics to enhance brand visibility and client engagement across Colorado's competitive mortgage market.
Erika Lefkowitz
Transaction Director
Erika manages loan transactions with precision developed through years in New York and Florida markets. Her attention to detail ensures smooth processing from application to closing, leveraging cross-country experience to benefit Colorado clients.
Questions
What types of mortgage loans do you offer?
We provide commercial, residential, reverse mortgages, FHA, VA, conventional, jumbo, hard money, and fix-and-flip loans to meet diverse client needs.
Are you licensed to operate in Colorado?
Yes, we hold NMLS #290176 and maintain all required state licenses to provide mortgage services across Colorado.
How does your reverse mortgage process work?
Our HECM-certified specialists explain options, assess eligibility, and guide seniors through documentation to convert home equity into tax-free funds.
Can first-time homebuyers get assistance?
Absolutely. Our team specializes in guiding first-time buyers through FHA programs and down payment assistance options available in Colorado.
What sets you apart from other mortgage companies?
We combine 20+ years' experience, BBB A+ rating, and personalized service with innovative financing solutions tailored to each client's unique situation.
Do you offer online application options?
Yes, our website provides secure online applications for commercial and residential loans with dedicated support throughout the digital process.
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