Situations we are prepared to evaluate
Traditional automated lending systems do not always capture the full picture for business owners, investors, or borrowers with multiple income sources. Denver Lending can review the complete scenario and identify whether a conventional or specialized program may be appropriate.
- Self-employed borrowers, including certain one-year self-employment programs when available
- Bank-statement and alternative-documentation programs
- DSCR and other investment-property financing
- Jumbo, conventional, FHA, VA, and renovation financing
- Construction loans and certain non-income-verification investment programs
- Mixed W-2 and 1099 income, nontraditional assets, or complex debt obligations
A program name is not an approval
Every program has its own income, asset, credit, property, occupancy, reserve, documentation, and underwriting requirements. Terms such as bank-statement, DSCR, or no-income loan do not mean documentation-free or qualification-free financing.
The purpose of the initial review is to determine what appears realistic now, what documents will be needed, and whether preparation could improve the available options. If the borrower is not ready, Denver Lending can outline practical milestones rather than encouraging an application that is unlikely to succeed.
Broad lender access creates more paths to compare
Denver Lending's pricing engine includes approximately 70 lending sources, and the company is currently approved with 24 lenders. That breadth can be especially useful when program guidelines differ for self-employment history, reserves, property type, business income, or investor cash flow.
Availability changes and no single lender offers every program. Denver Lending is licensed in Colorado and will only recommend programs available for the specific borrower and transaction.
Experience backed by an established brand
Denver Lending was established in 2009 and is a DBA of Impact Home Lending. Matt Nockels has worked in mortgage lending since 2003, and Matt and Courtney have worked together since 2009. The team reports closing approximately $50 million in 2019 and approximately $100 million in both 2020 and 2021.
Denver Lending reports 175 five-star reviews. Review counts and platform totals can change over time; the current public profile should be consulted for the latest information.