Business Details
8 Years
experience
Your Trusted Mortgage Broker in Denver, CO
At Columbine Mortgage, we pride ourselves on delivering transparent, client-focused mortgage solutions backed by decades of combined industry experience. Our team of seasoned professionals combines personalized service with cutting-edge technology to guide clients through every step of the lending process. We specialize in residential loan programs, including conforming, jumbo, FHA, VA, USDA, and reverse mortgages, tailored to meet diverse financial needs. Our commitment to excellence is reflected in our 4.9/5-star customer satisfaction rating and numerous testimonials praising our responsiveness, expertise, and ethical standards. As a locally owned firm operating in Denver since 2018, we maintain strict compliance with NMLS regulations while prioritizing long-term client relationships over transactional interactions.Our unique three-pillar approachpersonality, process, and technologyensures clients receive customized advice without hand-offs or communication gaps. We actively empower first-time homebuyers, refinancers, and retirement-age clients through educational resources and market-leading rate negotiations. With 17 verifiable client success stories demonstrating measurable financial benefits, we consistently deliver value that extends beyond loan origination.
Services
Residential Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
USDA Loans
CHFA Programs
Refinance Services
First-Time Buyer Programs
Home Equity Conversion
Details
- Year established: 2018
Highlights and features
- We offer 20+ years of combined mortgage industry experience with personalized service.
- Our proprietary three-pillar approach combines technology, process, and personal expertise.
- We maintain a 4.9/5-star client satisfaction rating with verifiable success stories.
- Our team provides 24/7 client communication and full-process transparency.
- We specialize in complex loan scenarios including VA, FHA, USDA, and reverse mortgages.
Associations and certifications
- NMLS
What people say
Exceptional service
Knowledgeable team
Streamlined process
Significant savings
Personalized attention
Services
Residential Loans
We provide comprehensive residential mortgage solutions for primary residences, second homes, and investment properties. Our services cover conforming, jumbo, and government-backed loan programs with competitive rates. Our team guides clients through every stage from pre-approval to closing.
Reverse Mortgages
Specialized reverse mortgage programs for homeowners aged 62+. We offer FHA-insured Home Equity Conversion Mortgages that provide tax-free cash flow while maintaining home ownership. Our counselors explain all options for eliminating monthly payments or establishing credit lines.
VA Loans
Dedicated VA loan programs for eligible veterans and service members. We facilitate 100% financing options with no down payment requirements. Our certified specialists navigate VA-specific underwriting guidelines to maximize benefits for military families.
Refinance Services
Comprehensive refinance solutions to reduce monthly payments, shorten loan terms, or access home equity. We analyze current market conditions and client financials to determine optimal refinance timing and structure.
First-Time Buyer Programs
Tailored support for first-time homebuyers including down payment assistance programs and CHFA partnerships. Our advisors explain loan options, credit requirements, and closing cost management strategies specific to new purchasers.
People
Christine Atkinson
Mortgage Professional
NMLS# 529191 with 15+ years experience in residential lending. Specializes in first-time homebuyer programs and community development initiatives.
Merle Atkinson
Senior Loan Officer
NMLS# 1473491 with expertise in complex loan scenarios. Recognized for exceptional client communication and problem-solving in challenging mortgage situations.
Pamela Wandry
Loan Production Manager
NMLS# 1509351 overseeing loan origination processes. Implements quality control measures ensuring 98% on-time closing rates across all loan types.
Matt Updike
Branch Manager
NMLS# 300434 leading Denver operations. 20-year track record in mortgage banking with specialization in jumbo loan programs and high-balance transactions.
Jennifer Asbury
Client Relations Director
NMLS# 419077 managing client experience from application through post-closing. Implements service standards resulting in 92% client retention rates.
Questions
What mortgage loan types do you offer?
We offer conforming, jumbo, FHA, VA, USDA, reverse mortgages, and CHFA down payment assistance programs for Colorado residents.
How does your mortgage process work?
Our process includes pre-qualification, document submission, underwriting, and closing. We provide weekly updates and maintain direct communication throughout the 30-45 day average timeline.
Do you offer first-time homebuyer assistance?
Yes, we partner with CHFA to provide down payment grants and low-interest loans for qualified first-time buyers in Colorado.
Can I get a mortgage with less-than-perfect credit?
We offer specialized programs for clients with credit challenges, including FHA loans requiring minimum 580 FICO scores and manual underwriting options.
What are current mortgage rates?
Rates fluctuate daily based on market conditions. Contact us directly for personalized rate quotes and lock-in recommendations.
Do you service loans after closing?
While we originate loans through partner institutions, we maintain post-closing support for payment issues and refinancing opportunities.
