Loan Products

Let us help you find a loan that fits your needs

The licensed, bonded, insured mortgage originators have over 3 decades of experience in customizing loans for residents throughout Colorado, Texas, Washington, And Florida

Competitive Rates and Terms

The Mortgage Network enjoys long standing relationships with over 30 of the nation’s largest mortgage lenders, enabling us to find the best loan for your circumstance.

A Variety Of Loan Options

Whether you are buying your first home, your third or you are wanting to refinance, The Mortgage Network has a variety of loan options to meet your needs.

Privately Owned Mortgage Lender

We are a Colorado corporation committed to serving the Colorado market and community. Our mortgage brokers live and work locally, and are always a phone call away!

FNMA/FHLMC

Conventional Loans

FHA Loans

First Time Home Buyer Loans

VA Loans

Veteran Assisted Loans

USDA Loans

USDA Rural Development

Stated Income Loans

Stated Income

Construction Loans

One Time Construction Loans

Commercial Loans

Commercial Lending

Jumbo Loans

Jumbo Loans

Investor Loans

Investor Loans

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  • FHA Mortgages
  • Conventional Mortgages
  • VA Mortgages
  • Jumbo Mortgages
  • Investor Mortgages

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  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Non Warrantable Condominium Mortgages
  • Stated Income Mortgages
  • Reverse Mortgages

When a lender makes a decision about a mortgage application, they consider two basic factors: your ability and your willingness to repay the loan.

 

Ability to repay the mortgage is determined by verifying your current employment and analyzing your total income. Lenders prefer for you to have been employed at the same place for at least two years, or at least be in the same line of work for a few years. Your proposed monthly payment will be compared to your monthly income and debt.

 

Willingness to repay is influenced by how you have paid previous loans and by examining how the property will be used. Willingness can be gauged by your credit report and previous commitments to pay rent and/or utility bills. There is also a greater tendency to stick with your payments if you live in a house as opposed to a rental property or vacation home.

 

It is important to remember that there are no set rules and each applicant is handled on a case-by-case basis. Many applicants come up a little short in one area, but make up for it with other strong points. These compensating factors may include a large down payment, solid employment, extensive educational background or overall financial health.

 

For applicants who need to make a lower down payment, mortgage insurance is protection for the lender in case you stop making payments. This allows low and moderate income families to become homeowners with low down payment programs.

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What Some Of Our Clients Say About Us

My experience with The Mortgage Network made buying my home easy. The staff was on top of all requirements from the lender. They Kept me informed on any change whether it directly effected me or not. They were always engaging and entertained all my questions with respect. It was a pleasure buying my house under the stress of making this significant change.
Cynthia Vitale
Home Owner
★★★★★ 5/5
The team at The Mortgage Network did an outstanding job taking care of us during our home buying journey. They took all the time we requested of her to explain all the different aspects of the loan process. The staff completely worked around our schedule when we had questions or concerns. Thank you for taking such good care of us and explaining everything clearly.
Steve Clark
Service Journeyman
★★★★★ 5/5
The Mortgage Network was wonderful to work with! Jaxzann and Brian were so attentive, responsive, kind and patient as they both helped walk us through our very first home buying adventure. We could not have done it without them and would recommend them to anyone! Thank you!!!
Cynthia Vitale
Home Owner
★★★★★ 5/5
Best in the business!! One and done miracle worker. She blushes when I say that but if you want it done and expedited call her
Matt Caley
I bought my home in November 2021. Jaxzann was on a list of lenders that my realtor has worked with over the years that she recommended. Jaxzann and her team were a pleasure to work with. She and her team both quickly responded to questions and requests via phone and email. In this market, I needed a lender that wasn't just available Mon-Fri, and that could send a document in a matter of hours. I'm certain that her work on my loan, and her resourcefulness, were factors in getting my offer accepted. She's a lender I'll be using again and again.
Aaron Sherman
I went into contract in March with a 21 day close. Jaxzann and team were amazing and able to get everything I need completed in such a short time. I can’t say enough of how great it was to work with this company and look forward to in the future and recommend any all to reach out to Jaxzann for your Housing needs
Michael Drishpon
Thanks to Jaxzann and team for making the process so easy. I’ve worked with The Mortgage Network multiple times and value their expertise and professionalism.
Karen Meyer
Christi did a wonderful job handling our refi. She found the best rate and kept us informed during the entire process. Not a single hiccup or problem along the way. Closing was efficient, on-time and surprise free. I highly recommend Christi Julian and The Mortgage Network.
Rick Kerns
This is my second time using The Mortgage Network. They were always kind, knowledgeable and were very helpful in obtaining my mortgage with the lowest interest rate possible! I'd recommend them to anyone.
Adrienne Rinaldi
Jaxzann and her team were amazing at getting my refinance done! My circumstances were complex but they kept me informed and made the process as smooth as possible. She had helped me buy my first home in Denver 30 years ago, so it made sense to trust her again. I could not be happier with the outcome.
Heidi Naples
Jaxzann and the mortgage network are the best. She helped us buy our first house and later helped us refinance. Jaxanne and her team will walk you through the best options for you and they take care of everything. Talk to them before you go anywhere else.
Joel Archuleta
If you are beginning the process of obtaining a home loan, look no further than the team at The Mortgage Network! Jaxzann is extremely responsible and communicative, and has been running the company for over 30 years. She is happy to walk you through the sometimes complicated loan process and will always let you know what your best options are. She works with you to understand what your needs and goals are-- and ensures that you obtain them. No matter who you choose to work with at the Mortgage Network, you can be confident that you are in good hands!
Becca R
Jaxzann and her team are extremely professional and detail-oriented. I’ve worked with them on two separate occasions and they are amazing. I wouldn’t go to anyone else, they are THE BEST.
Marcia Finkelstein
Jaxzann Riggs and her team (Elizabeth and Cathy) of The Mortgage Network were fantastic to work with. From our first contact with Jaxzann she was always available to answer all of our questions and help us through various options that came up during a chaotic time in the Real Estate market and rising interest rates.
Catherine Brainard
Dealing with Jaxzann, Trish and the crew at Mortgage Network was great. They were super thorough, responded very quickly and made sure all the documents were in place and exactly the way they needed to be to close my loan. Even after the appraiser threw us a curveball, the team found loan options that were best for us to get us into the house we love. We couldn't have asked for more! 5 stars for sure!
Bobby Guinn
We have always had an excellent experience with Jaxzann Riggs. She is very helpful with keeping our best interests in mind, responsive, and we can genuinely tell she cares. We've worked with Jaxzann and her team multiple times, and we will continue to do so! Everyone on her team is A+.
Lauren Collentine
Jaxzann and her team are wonderful! We recently did a refinance and it was very easy. We will always do business with The Mortgage Network.
Stephanie Star
I read about TMN in the Golden Real Estate ad (which is always interesting reading) in the Arvada Press. I called and got an amazingly great interest rate. Everything was over the phone and email except the final paper signing at the title company. Since then, we moved to Arizona. Wish we had them here!
Harold Hallikainen