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Wes Tool
Loan Officer
NMLS# 24210Let’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.
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Testimonials
Testimonials
The rating and reviews below represent my top
reviews.
Read all customer reviews here.
4.96 out of 5.0 stars




Odalys F
Jun 04, 2025

Verified
Wes was amazing! He answered all of my questions and even answered the questions I didn’t know I needed to ask. He is very knowledgeable and helpful. Thank you Wes!!!
NATOSHA
May 27, 2025
Pahrump, NV

Verified
Very knowledgeable and on time ahead of the game, thank you
Catherine G
May 30, 2025

Verified
Amazing, professional, and always around to help !
Molly
Jul 04, 2019
Lakewood, CO

Verified
I can’t even begin to describe what a blessing it has been having Wes and team on our side for our first home-buying experience. He is the man! He wiped away all of our anxieties by being present for us throughout the entire process. If we had a question, he was on the phone to explain the answer, regardless of the day/time. We could tell that he truly cared about getting us into our home. Today we are officially homeowners and so thankful we used Wes at Planet Home Lending! He is the epitome of professionalism.
K
Feb 14, 2018
Lakewood, CO

Verified
This was our first home buying experience, and we could not have done it without the help of Wes, Fabbiana, Jaren, and the rest of the Cross Country Mortgage team. They guided us through the entire process, which was a huge relief. Thank you so much for all of your help!
Gibby404699
Apr 24, 2017
Aurora, CO

Verified
We received a promotion for Cross Country in the mail, and after reading it I felt rather confident that they could put a refinance together on our home and lower our interest rate considerably. After a phone call to their office, again I felt confident that this transaction would go smoothly and quickly. Derrick and his staff were all amazing, working together to make this transition happen in about 3 weeks time. There was no stress and all of our expectations of the process were followed like clock work. I knew from the first conversation that I had with Derrick that he was highly educated, knowledgeable, and more than qualified to handle this transaction for us. His staff were clear and consistent in their instructions as to what they needed from us as far as documentation, which most could be handled on line or through fax which was so quick and convenient. Even the closing was handled in the convenience of our home. Wow what a concept!!! It was more pleasant and easier than buying a new car. Thanks again to all of you for your professional abilities, and pleasant demeanor. We will recommend your services to all we know. Thank you again, G&C Gibson
NMLS ID #24210
I am authorized to do business in the states of Arizona, California, Colorado, Florida, Mississippi, Nevada and Texas. AZ BK#0018883; AZ BKBR# 0121399; AZ LO Lic.# 0940742; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; Licensed by the Mississippi Department of Banking and Consumer Finance; NV Mortgage Company #1141;
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