Home financing, rooted in Colorado.
I'm Zach Beckham, a Denver-based mortgage loan officer serving buyers across the entire state of Colorado. I help you get from "just looking" to "welcome home" — with straight answers and a plan that fits your life, not a script.
If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance — we’ll send you a $2,000 check.
Terms apply
Your neighbor first. Your lender second.
I grew up believing a mortgage should feel like a conversation, not an interrogation. After 13+ years financing homes across Colorado — from Denver to the mountain towns to the Eastern Plains — I still walk every client through their options in plain English — no jargon, no surprises at the closing table.
Whether you're buying your first condo in Denver or your family's forever home somewhere else in Colorado, I'm the person who actually picks up the phone.
The Climb: your path from foothills to front door.
Every home purchase has its own terrain, but the route is the same five stages. Here's exactly where you are at each one — and what I'm doing behind the scenes.
Pre-Approval
We look at your full picture — income, credit, goals — and I hand you a real pre-approval letter, not a guess. Usually takes one call.
Home Search
You and your agent go find the place. I'm on standby to run numbers on any listing you fall for, day or night.
Under Contract
Offer's accepted — now we lock your rate, order the appraisal, and start underwriting. I'll tell you exactly what's needed and when.
Clear to Close
Underwriting wraps up, your closing disclosure goes out, and we double-check every number together before you sign anything.
Closing Day
Keys in hand. I'll be at the table — and on call long after, for every refinance question or "is this normal?" text.
Financing built around your situation, not a template.
Conventional
Competitive rates for buyers with strong credit — as little as 3% down for qualified first-timers.
FHA Loans
Lower down payment and credit flexibility, ideal for first-time Colorado buyers.
VA Loans
Zero-down financing for veterans and active-duty service members — I'll walk you through your entitlement.
Jumbo Loans
For Denver's higher price points, with terms structured around your full financial picture.
Investment / DSCR
Qualify off the property's rental income — built for Colorado's active investor market.
Refinance
Rate-and-term or cash-out — I'll tell you honestly whether now's the time or worth waiting.
See a real number in ten seconds.
Slide the numbers to your situation. This is a starting-point estimate — when you're ready, I'll build you an exact quote based on real rates and your actual scenario.
estimated principal & interest / month
Estimate excludes taxes, insurance, HOA, and PMI. Not a loan offer or commitment to lend.
What clients say after closing.
"Zach was great! We had a very tight timetable in order to close successfully on a home, and Zach worked hard to make sure we were able to meet all of our deadlines. He was extremely responsive and available, and helped make my first home buying experience as smooth as possible!"
"Zach was amazing and made the process of buying a home so much easier then we could imagined."
"Zach Beckham did his job to the highest standard, made the impossible possible, carefully worked on every detail to successfully obtain permission to purchase my first home. He explained every unclear question to me with patience and professionalism. Highly recommend"
Ready to start your pre-approval?
One call, fifteen minutes, and you'll know exactly where you stand. No pressure, no obligation.