Established Credibility:

Who We Are

And What We Do

  

Forward Mortgage Lender 

I am a licensed, bonded and insured Colorado mortgage  loan originator and have 30+ years of experience in originating and funding home loans. I am dedicated to help you with your purchase, refinance or streamline home loans.

My committment to you is to make your transaction painless and fun. Well, at least, as fun as getting a loan can be.

Because I am affiliated with over a dozen banks and mortgage investors with hundreds of loan programs I am able to compete with the biggest and provide personal one-on-one service.

Whether your credit situation is stellar, bruised or troubled I have the experience and affiliations to best help you maximize your home financing options.

Reverse Mortgage Specialist

In addition to my skills and expertise in obtaining the funding for traditional mortgages, I specialize in Home Equity Conversion Mortgages (HECM) which are widely known as Reverse Mortgages. The type of Reverse Mortgages I offer are those guaranteed by the US Department of Housing and Urban Development (HUD) and insured by the Federal Housing Administration (FHA).

 I proudly offer both refinance and purchase reverse mortgages. Please read more information about this marvelous product on my blog and contact me for information on either reverse mortgages and how one may best fit your situation now or in the future.

Funding Good Loans for Good People

Whether your credit situation is stellar, bruised or troubled I have the experience and affiliations to best help you maximize your home financing options.

In addition to our regular lending practice, we also specialize in funding mortgage loans for good people with wounded credit. Often, our clients have filed bankruptcy or been though a foreclosure or short-sale and again wish to own their own home.

James Spray, CCMB
The Consumer Oriented Mortgage Banker (TM)
By appointment only
CO
CO LMO: 100008715
NMLS: 257365
Company NMLS: 267623
Phone: 303.403.8168
Email: JimSpray@aol.com