See every loan option before you choose one
As your Mortgage Broker, we shop many lenders for you. Your Mortgage Plan lays out the options that fit, side by side, in plain numbers.
About a minute of taps. Daniel prepares your plan, then you book a time to finish it together.
Only want a quick call? Book a time with Daniel
- Up to four loan options, side by side
- Every cost broken down, line by line
- Short lessons and tools on your own numbers
- Always the latest version, with no account to make
Why a Mortgage Broker
One application, many lenders, one clear choice
A bank can offer only its own loans. As a Mortgage Broker, we take your one application to many wholesale lenders, then show you the difference in dollars, side by side, in your Mortgage Plan.
$10,662saved on average over the life of the loan
Borrowers who used an independent Mortgage Broker, compared with nonbank retail lenders, mostly through lower upfront costs. Polygon Research, 2023 federal mortgage data (HMDA); the study was supported by United Wholesale Mortgage. Source.
A bank
A Mortgage Broker
- Lender
- Lender
- Lender
- Lender
- Lender
Agency loans for 1–4 unit homes, plus specialty loans through our lender network.
See loan optionsYour Mortgage Plan
How to use your Mortgage Plan
Your Mortgage Plan always shows the latest version. Tap or click any box for its breakdown and any dotted word for a plain explanation, then move the sliders to try a change.
- A 30-second tour. Your Mortgage Plan is made to be clicked.
- Click a box to see its breakdown. The monthly payment opens into interest, principal, taxes and insurance, and mortgage insurance. Cash to close opens into the down payment, lender and title fees, and prepaids and escrow.
- Click any dotted word to see what it means. APR: the annual percentage rate. It adds certain fees and points to the interest rate, so you can compare the full cost of each loan. The rate sets the payment. The APR adds the fees.
- The tags point out the facts. Click one to see why: Option 2 has the lowest monthly payment of the options shown.
- Drag a slider, and the numbers follow. See any payment moves from the first payment to the last.
- Try an extra payment, and see the payoff move, in the extra payment planner.
- Open your Mortgage Plan and click around. If you have questions, text Daniel at 970-480-0540. Montezuma Mortgage, NMLS 1880546. Daniel Hennek, NMLS 198218. Equal Housing Opportunity. Illustration only. Your plan shows your own numbers.
Learning Center
The home buying journey, in short lessons
Six stages, from "Am I ready?" to owning your home. Each lesson takes two or three minutes and has a calculator or example you can change.
Run your own numbers
Every calculator runs on the same math as your Mortgage Plan. Change a number and watch the answer move.
- What will my monthly payment be?The full payment for each loan type, and where each dollar goes.
- How much house can my income support?A price range from your income and debts, checked against each loan type.
- Do points pay for themselves?The month the interest you save covers the cost of the points.
- Is this refinance worth it?The new payment, the month it breaks even and the net savings.
- How fast does the balance come down?Your balance year by year, and the year principal passes interest.
- Rent or buy: which builds more over the years you stay?Net worth from buying and from renting, year by year.
Start your Mortgage Plan with Daniel
Answer a few short questions, and Daniel prepares your Mortgage Plan: every option that fits, side by side, with your real numbers. Then you book a time to finish it together. Daniel Hennek, Owner – Principal Broker, has worked in mortgages since 2008 and arranged Colorado mortgages since 2011, and you work with him from the first question to closing.
Serving all of Colorado, with a focus on Mancos, Cortez, Dolores, Durango, Bayfield, Pagosa Springs and nearby.