After military service and success as a sales engineer in telecommunications and various roles in technology based firms in the US, Europe and the Middle East, Steve began helping people with financing in 2000. For years, Steve has helped countless families manage their financial risk and insurance needs as the founder of Ferraro Professional Services, Inc. Now focused exclusively on residential mortgages as a loan advisor, Steve guides borrowers through the sometimes complex process of funding both home purchases and refinancing of existing mortgage loans. He partners with some of the most seasoned and creative real estate professionals in the industry and loves helping new agents build their business both in the Denver market and nationwide. Steve not only helps individuals restructure their existing debt portfolios, but also helps families with what is often the largest purchase and investment of their lives, whether it’s their first time, or they are moving up to the home of their dreams. For a professional experience with your next mortgage transaction, call Steve today.
I have served clients in the Denver Metro real estate and South suburban-surrounding areas and specializes in home purchase and refinance transactions.
I have fourteen years of experience as a mortgage broker, originating, loan processor, high-sales production. I offer excellent customer service, and value my business relationships.
ON WHAT IMPRESSED ME ABOUT THE MORTGAGE NETWORK
“What I find most impressive about The Mortgage Network is their professional loan support, their marketing tools, and friendly staff.
“There are several things that inspire me in life, but I am mostly inspired by my daughter. I love being a good example to her. Family values are of utmost importance to me and one of the reasons why
I find helping families in their home purchase very rewarding."
Colorado Licensed Mortgage Broker, NMLS# 319529
My name is Kevin Gray and I have lived in Colorado for the last 8 years with my wife and two children. We love living here and I especially enjoy helping clients make sound financial decisions in regards to their mortgage.
With more than 17 years in the mortgage industry, I have the knowledge and expertise to guide you through the mortgage loan process. You will be able to count on me to put forth that extra effort while maintaining great communication. You will be given all of the knowledge, information, and options you need to make a wise financial decision regarding your new home loan. I would love to personally help you find the best home loan solution for your specific needs. Please call me or email me today. Let's begin the search for the loan that is just right for you.
I can help you with or answer questions on any residential loan. Purchase, Refinance, FHA, VA, Conventional, or Reverse Mortgage.
I was born in the Kansas, but Colorado is my home. I grew up in Denver, studied in Boulder and “stumbled” into the lending business in the summer of 1979. While visiting friends in California, I ran out of money before I ran out of summer, so… I took a receptionist’s position with Transamerica Mortgage. I enjoyed the Newport Beach area, but quickly became homesick, longing for the bright blue skies of Colorado. The manager who had hired me made arrangements for me to interview with Transamerica in Denver and I was hired as a loan originator.
Interest rates were 14%, I had no experience, no training, and my mistakes were many, but, I loved meeting new people, shared their enthusiasm about their new home, enjoyed finding the right loan for them and was determined to learn and improve my skills and service to my clients. I didn’t understand it then, but when I bought my first home at 22, my career path was set. My commitment to the lending business was solidified, because I understood personally, the profound impact that home ownership has in our lives. Having grown up in an entrepreneurial family, I knew that I wanted to work for myself, so it wasn’t long before I started my own business.
Many cautioned me when I formed The Mortgage Network, that I didn’t have enough capital but being the eternal optimist, I was not deterred. I knew that what I had was far more valuable than capital, I had happy customers who were eager to refer friends and family members to me. By the end of my 1st year in business, the company had acquired assets sufficient to obtain its FHA approval.
Since 1985 I have personally helped more than 2,800 families purchase a home or refinance their loan. I took a brief hiatus in 2003 when I met my future husband, Les and spent the next 2 years traveling between Santa Fe, NM (where Les owned a home and business) and Denver.
Happily, Les has joined me full time in Denver where we live in Cherry Creek North. I’m a bit of a “work-a-holic” but, when I am not thinking about business or my loans in process, you’ll find me happily ensconced in my kitchen, plotting and planning my next gathering for friends and family.
I have lived in Colorado most of my life. After graduation from Wheatridge High School, I attended The University of Colorado and received a degree in Business Marketing. I have been employed as a mortgage banker/broker for over 30 years. I have a daughter who lives in Aspen, who enjoys skiing and camping in the mountains of Colorado.
I have always had my best success as an independent mortgage broker, and I am happy to say that I could not be happier with The Mortgage Network. I have the ability to close FHA, VA, Home Equity Lines of Credit, Small Commercial loans, and just about every other mortgage product out there.
Allow my hard work and resourcefulness and my ability to go to work for you today!
My name is Christi Julian. I have been an Mortgage Loan Originator since 2000. I live here in Denver with my two daughters and husband of 12 years, Devon.
What I enjoy most about being a loan originator is the gratification that comes from helping people, whether it is getting them into a new home or just being available to answer questions about their existing loan, I find that I can help with all their mortgage needs.
I specialize in FHA, VA, Conventional and Reverse Mortgages. I can be reached by email or phone at your convenience.
I have made my home in Denver for over 30 years after moving from Kansas. The combination of small-town values and my strong knowledge of the Denver Metro real estate market, make me the ideal provider of mortgage services. After attending Emporia State College on a wrestling scholarship and serving in the United State Army, I came to realize that Denver would be the ideal spot to make my home. My wife and I have raised two children and have experienced all of the joys and trials that parenting requires.
With over 14 years of mortgage experience, I have seen the ups and downs of the industry, and I understand the concerns of my customers. I have unique experience in construction loans. In addition ,I have worked extensively in FHA loans, 1st-time home buyers, reverse mortgages, debt consolidation, and Investment property loans.
I pride myself on the education that I provide to my customers to help them with one of the biggest decisions they may make in their lifetime.
It has been my privilege to serve the Denver metropolitan community with mortgages for over 35 years. I have been invited into thousands of families lives to help direct them through the mortgage maze with the end result being affordable home ownership in any part of Colorado or beyond.
My mortgage background in management, underwriting and sales has well prepared me to successfully sort through the many loan programs and criteria enabling me to offer you mortgage financing that best fits your needs.
My designation is CML, Certified Mortgage Lender: This designation, held by only 280 people in Colorado, assures you that my industry experience is backed by continued education and demonstrated professional aptitude. My CML designation reflects a commitment to mortgage lending as a career and the initiative to excel. I consider it a privilege to assist you with your mortgage financing needs.