About me

Welcome to my website. I am here to make the mortgage process as simple as possible. With three decades of experience, I can help you navigate which loan programs will fit your needs, no matter your scenario. I also have specialty programs for seniors, investors, and local builders. I like to focus on your solutions as well as straightforward answers.

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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

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%.

FHA

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.

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.

home equity insights

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

5.0 out of 5.0 stars

5.0

Julie S

Nov 26, 2024

Verified

Dena is very knowledgeable and makes everything work smoothly. I’ve worked with her twice and highly recommend her and her team. She gets to know you and it makes things easier. She attends her signings and looks out for her clients every step of the way.

Sarah

Sep 23, 2024

Las Vegas, NV

Verified

I felt I could trust the decisions being made were in my best interest. Trust made this process easy!

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NMLS ID #1013574

I am authorized to do business in the states of Colorado and Nevada. NV Mortgage Company #1141;

Expert Advice and Personalized Solutions for Every Step of the Way

Dena Del Balzo

Branch Manager

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