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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

I am Producing Branch Manager and Senior Loan Officer here in Colorado.  I am currently licensed in 8 States to help you, your family, and your friends anywhere in California, Colorado, Iowa, Kansas, Oklahoma, Oregon, Texas, and Wyoming!

I am also a Reverse Mortgage Specialist, and I focus on helping Seniors get more from retirement. Choosing the right mortgage product which suits your needs best is very important for living a stress-free and fulfilling life.

Buy a Home Without Monthly Mortgage Payments. Refinance your Home and Do Away with your Monthly Mortgage Payments.  A Reverse Mortgage (HECM) may be the perfect fit for you! 

Sometimes doing a HECM for purchase is not only gratifying but it allows Seniors to lift the burden of qualifying for a normal forward mortgage and keeps more funds at your disposal for enjoying the best of what life has to offer. 

If you are 62 years or older, the Home Equity Conversion Mortgage (HECM) for Purchase Loan can help you buy your next home without required monthly mortgage payments. (Borrowers must maintain the property and remain current on property taxes, homeowner’s insurance and applicable HOA dues).
  
I have been in the Mortgage business since 2002 and have helped 1000’s of people secure a home. I have extensive knowledge of our mortgage banking industry. During my mortgage career, my achievements are being named 2020 Top 1% Mortgage Originator (MEM 2021), 2021 Top 1% Mortgage Originator (MEM 2022) and 2021 Scotsman Guide Top Originator (Scotsman Guide 2022).  

As a first-time homebuyer there are many programs available for you. I will make sure you are capturing the very best options available – whether you are interested in down payment assistance or qualify for another great program – let’s work together and put you and your family in the very best loan option available.

As a mortgage lender, I pride myself on being consistently available and responsive. I focus on providing options and solutions rather than dwelling on obstacles, ensuring smooth transactions. My excellent communication skills and transparency help clients understand every step of the process. Many of my clients have worked with me multiple times over the years, highlighting my ability to build and maintain strong, long-term relationships.

I bring a full spectrum of knowledge of corporate finance and of our industry from the inside out.  I am a member of the Mortgage Action Alliance and the Mortgage Bankers Association which helps me stay on top of current events and issues happening in Washington D.C. regarding the mortgage industry.

I am also fluent in Spanish having lived in Puerto Vallarta, Mexico while attending school there during 4th grade. I am fluent both in writing and verbal.

Growing up in California – I love the beach with body surfing being a huge hobby for me!  Today, if I am not with my family then my current hobbies are walking, hiking, and mountain biking anywhere in Colorado.

I would be honored to answer any questions you may have.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Jumbo

Jumbo

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.
Reverse mortgage loan

Reverse mortgage loan

If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.9 out of 5.0 stars
4.88
4.58
4.92
4.97
Janet
Jun 09, 2025
Northglenn, CO
Verified

Eric is always available to call you back and always has answers to my questions.
Mitchell
Jun 06, 2025
Verified

Erik is the best. The ultimate professional. We trust him 100% of the time.
Taylor K
May 21, 2025
Verified

I am a real estate investor with a moderate level of experience. I am now loyal to Erik for a few reasons: 1. Instead of telling you why you can’t complete a transaction, he works hard to give you options on how you can. 2. He will sacrifice dollars in order to give you the best deal. 3. He stays updated with the most current market trends, down to the minute. 4. He will find the best possible loan product for you, and get creative in order to make it work. Erik has facilitated transactions for me, my family, and friends. He is by far the best lender I’ve ever worked with. Call him up. Thank me later.
Russell C
May 20, 2025
Verified

We've worked with Erik Patten for many years now through multiple home purchases, refinancing, and a recent HELOC. We can say with complete confidence that he’s the absolute best at what he does. Erik is a true professional who genuinely cares about the people he works with. He’s incredibly knowledgeable, thorough, and always a few steps ahead, which makes the entire process feel smooth and stress-free. No matter how complicated things get, Erik takes the time to explain every detail in a way that actually makes sense. You always know you're in good hands. What really sets Erik apart is his integrity and consistency. He answers the phone. He follows through. And most importantly, he makes you feel like you're his top priority every single time. My wife and I have always felt fully informed and supported from start to finish, and he’s never once let us down. In a world where great service can be hard to find, Erik is the kind of person you want on your team. We trust him completely and recommend him to anyone looking for someone who’s not only an expert, but a genuinely great person to work with. Airiel and Russell
Robert
Apr 07, 2025
Poncha Springs, CO
Verified

Erik is the best, he took very good care of us!
Casandra R
Apr 07, 2025
Verified

Our loan officer Erik has worked with us twice now on our mortgage. He is a great communicator, and will take time to answer any and all of your questions! He works quickly and efficiently which I love!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #507517
I am authorized to do business in the states of California, Colorado, Iowa, Kansas, Oklahoma, Oregon, Texas and Wyoming. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; OR ML-176;