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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Own what matters
Own what matters

About Me

Welcome and thanks for visiting my page! 

It takes hard work, dedication, honesty and solid communication to build strong relationships with clients.  I've been in mortgage lending for 25+ years, and have a strong knowledge base of all aspects of mortgage lending.  I’m advanced certified in Divorce Lending and also passionate about helping 1st Time Homebuyers. 

You’re here because you’re looking for a company you can trust and you’re looking for a local professional you can count on. Communication is always most important!  My team and I are committed to excellent service, educating and helping you through your mortgage experience. 

In this rapidly changing and challenging market, there are four ingredients needed to assure you the best products, pricing, and experience:

An Experienced Professional in the business Team Chacon

Excellent Communication and accessibility at every stage in the process

A reputable Mortgage Company/Lender with longevity and sustainability Guild  Mortgage

The ability to choose from dozens of products and programs to fit your life

Give me a call or feel free to start your super-fast application online, right here on my page.  I work when agents, buyers and borrowers need questions answered.  I’m not a 9am to 5pm, Monday through Friday lender.  I know that being available for borrowers evenings and weekends is important. 

Thanks for stopping by, I look forward to talking soon!

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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.



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%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

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

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4.93 out of 5.0 stars
Jun 04, 2024

Everyone was really nice and helpful
Heidi B
Jun 04, 2024

Communication and knowledge!
May 28, 2024

I want to recognize all the members I worked with. They were all extremely nice and informative. They truly made me feel comfortable and in the loop the whole time. From the daily update emails informing me what happened in the last 24 hours with my loan, to returning all me calls and emails very quickly. As a first time home buyer I didn’t feel lost and that meant a lot to me!
May 20, 2024

Kelly and her team were great. They always helped explain things we needed walked through during the process and they advocate for you. Absolutely LOVED Melanie, super helpful and easy to chat with. 10/10 recommend this team. Wonderful ladies with amazing attitudes and personalities.
May 20, 2024

Communication was clear, everyone was friendly. Would definitely recommend!!
May 20, 2024

Kelly and her team were always available to answer any questions we had. They are very knowledgeable about their work and made the entire process easy to get through. We are so grateful for all of their help and hard work!

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NMLS ID #413612
I am authorized to do business in the states of Colorado, South Carolina and Wyoming.