Business Details
30 Years
experience
Your Trusted Mortgage Broker in Centennial, CO
Established in 1996, we are a full-service mortgage brokerage dedicated to simplifying the home financing process. Our team of seasoned professionals specializes in personalized loan solutions tailored to each client's unique financial situation. With expertise in conventional, government-backed, and specialty mortgage products, we guide clients through every step from pre-approval to closing. Our commitment to transparency and ethical practices ensures clients receive accurate information to make informed decisions.We maintain industry-leading partnerships to offer competitive rates while prioritizing timely closings. Backed by our satisfaction guarantee, we refund lender fees if clients are unsatisfied with their loan terms. Through our Investmint charity initiative, we empower employees to support local communities. Our innovative approach combines technical expertise with a client-first philosophy to transform mortgages from a complex transaction into a positive experience.
Services
Fixed Rate Mortgage
Adjustable Rate Mortgage
FHA Mortgage
VA Mortgage
USDA Loan
HomeReady Mortgage
CHFA Loan
Reverse Mortgage
Equity Loan
Refinance
Details
- Year established: 1996
Highlights and features
- We offer a satisfaction guarantee with $1,468 lender fee refund if unsatisfied
- Our team holds 28+ years of combined mortgage industry experience
- We provide personalized loan structuring for unique financial situations
- We guarantee timely closings with $1,000 credit if we miss deadlines
- Our Investmint program supports 15+ local community organizations annually
Associations and certifications
- Better Business Bureau (BBB)
What people say
Best mortgage company
Timely closings guaranteed
Personalized loan solutions
Community involvement
Positive attitude
Services
Fixed Rate Mortgage
Our fixed rate mortgages provide consistent monthly payments with locked-in interest rates for loan terms ranging from 15 to 30 years. This solution protects borrowers from market fluctuations while offering predictable budgeting. Our specialists help determine optimal term lengths based on individual financial goals and repayment capacity.
VA Mortgage
We specialize in zero-down VA loans for eligible military veterans and surviving spouses. Our process simplifies VA-specific requirements while maximizing benefits like competitive rates and no mortgage insurance. Our team includes specialists familiar with military financial systems.
USDA Loan
Our USDA loan program enables 100% financing for properties in designated rural areas. We help clients navigate eligibility requirements and property location restrictions while offering competitive terms for qualified applicants seeking zero-down options.
Refinance
We offer rate-and-term refinancing to reduce payments or shorten loan terms, and cash-out refinancing for home equity access. Our analysis compares current market rates with existing terms to determine optimal refinancing opportunities for each client.
HomeReady Mortgage
Our HomeReady program provides low-down payment options for creditworthy applicants with non-traditional household structures. We assist clients meeting income eligibility requirements through Fannie Mae's flexible underwriting guidelines for affordable homeownership opportunities.
People
Dave Landin
President
Leading The Mortgage Co. Co. since 1996, Dave has over 28 years of mortgage industry experience. He focuses on strategic growth while maintaining the company's founding commitment to client satisfaction.
Kristy Noll
Operations Manager
With 15+ years in mortgage operations, Kristy oversees loan processing and underwriting. She leads our Denver team to ensure compliance and efficiency in every transaction.
Debbie Betts
Branch Manager
As Canon City branch manager, Debbie brings 20 years of mortgage expertise. She specializes in rural development loans and leads community outreach initiatives through our Investmint program.
Allen Lundberg
Mortgage Banker
Allen has originated over $500M in residential loans during his 25-year career. He focuses on first-time homebuyer programs and FHA loan solutions for Colorado clients.
Shanna Landin
Mortgage Banker
A CPA-certified mortgage expert with 18 years' experience, Shanna specializes in complex financial scenarios. She provides tailored solutions for clients with unique income structures or credit challenges.
Questions
What mortgage types do you specialize in?
We offer fixed-rate, adjustable-rate, FHA, VA, USDA, HomeReady, CHFA, reverse mortgages, and refinance options with personalized guidance for each client's situation.
Do you offer a satisfaction guarantee?
Yes, we refund $1,468 in lender fees if you're unsatisfied with your loan terms within 30 days of funding, no questions asked.
How does the pre-approval process work?
Our pre-approval requires income verification, credit check, and asset documentation. We provide a conditional commitment within 24-48 hours to strengthen your home buying position.
What areas do you serve?
We operate in Colorado, Oregon, New Mexico, and Florida with local teams in Centennial and Canon City, Colorado.
Can I refinance my current mortgage?
Yes, we offer rate-and-term refinancing to reduce payments or shorten loan terms, and cash-out refinancing for home improvement or debt consolidation purposes.
How do you ensure timely closings?
Our Timeline Commitment guarantees $1,000 credits to buyer and seller if we cause closing delays beyond contract dates, excluding third-party issues.
Videos
Reviews (1)
T. S. Smith
Jun 02, 2020
Report
Colin Hart took the time to explain VA loans to my Veteran wife without her getting confused. Thank you Mr. Hart.
