About Montezuma Mortgage

The Mortgage Broker who created the Mortgage Plan

Daniel Hennek imagined, designed and built the Mortgage Plan from thousands of conversations about mortgages. It shows every loan option with your own numbers, so you can see the whole field in front of you before you decide.

Get your Mortgage Plan Book a call

In mortgages since 2008
Colorado loans since 2011
Owner – Principal Broker
NMLS 198218
Mancos, Colorado

Daniel HennekCreator of the Mortgage Plan

How it came to be

From years of conversations to one clear view

The conversations
In conversation after conversation about mortgages, the same questions came up again and again.
The spreadsheet
Daniel built a spreadsheet to answer them with each client’s own numbers. Its math still runs every Mortgage Plan.
The Mortgage Plan
He turned it into an interactive page for each client: every option side by side, every dollar broken down, and explanations to ensure clarity throughout.

In Daniel’s words

Why I built it

I have talked with thousands of people about their mortgages. In almost every conversation, the hard part was not the loan. It was seeing it clearly. Rates, fees, time and other variables all pull in different directions, and most people are asked to choose without seeing how they fit together.

The Mortgage Plan is my answer. I imagined it, designed it and built it, and it is the culmination of my life’s work: the best education tool I can give my clients, and the clearest way I know to communicate with them.

Things are easier when they are organized and clear.

I built it because I care about making this easy for you. It is made here in Mancos, and you will find it only at Montezuma Mortgage.

Daniel HennekOwner – Principal Broker, NMLS 198218

What it shows you

Your loan options, in one clear picture

Yours shows your own numbers.

The “Your monthly payment” section of a Mortgage Plan: a slider to see any payment and a bar for each option split into interest, principal, taxes and insurance.

Every option, side by side

Up to four loan options with your own numbers. Each carries plain facts, such as lowest payment or least cash to close.

The “Your cash to close” section of a Mortgage Plan: a bar for each option split into down payment, lender and title fees, and prepaids.

Every dollar, broken down

The payment and the cash to close, part by part. Your down payment is not a cost; it becomes your equity.

The “Over the years” section of a Mortgage Plan: which option costs the least for how long you keep the loan, and the total cost at 3, 5, 7 and 10 years.

The cost over time

Which option costs least for as long as you keep the loan, with sliders to try a rate change, an extra payment or points.

How to use your Mortgage Plan · 30 seconds, with music

What the film shows

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.

Lessons chosen for you

Daniel attaches short lessons to your plan for the questions in front of you. The Learning Center teaches the rest with example numbers, and your Mortgage Plan applies it to yours.

Visit the Learning Center

About Daniel

Owner – Principal Broker, Montezuma Mortgage

Daniel started his mortgage career in 2008 and has helped Colorado homeowners since 2011. He works with every client personally, from the first conversation through closing, and builds each client’s Mortgage Plan himself.

Most of his work is home loans for 1–4 unit homes: conventional, FHA, VA and USDA, including renovation loans and the rural properties common in Southwest Colorado. Through the broker channel he also offers loans for rentals, self-employed borrowers and other situations banks often turn away.

NMLS 198218. Company NMLS 1880546. Verify on NMLS Consumer Access. Why a Mortgage Broker.

How we work

Many lenders, one advocate: As a Mortgage Broker, we are not tied to one bank’s products or pricing. We price your loan with many wholesale lenders and submit it to the one that fits best.
Clear comparisons: Your Mortgage Plan lays out payment, cash to close and long-term cost for each option, so the trade-offs are plain.
You always know the next step: Clear steps, updates at each milestone and a direct line to Daniel.
Local: We know acreage, wells, septic and short building seasons, and the lenders who work well with them.

See the whole field, with your own numbers

It starts with a conversation. Daniel builds your Mortgage Plan from it, sends it to you, and walks you through it at a time that suits you. We order your credit report only with your permission, when you are ready to move forward.

Get your Mortgage Plan Book a call Text Daniel