Every day, homebuyers talk to mortgage lenders expecting unbiased advice about their loan options. The truth? If your loan officer works for a lender, their loyalty isn’t to you — it’s to their employer.

That’s not because they’re dishonest or don’t care about you. It’s because, by law, a lender’s loan officer has a fiduciary duty to the lender — not to the client. Their job is to represent the lender’s best interests, not to shop for the best deal on your behalf.

A mortgage broker, on the other hand, is an independent professional. Think of them as the person who stepped out of that Ford dealership to walk across the street with you — helping you compare all the options, across all the brands, until you find the one that’s best for you.

Compare FHA, USDA, VA, and low-down-payment loans with Montezuma Mortgage — The best local Colorado mortgage broker for first-time homebuyers.

Lower your mortgage rate fast with FHA Streamline, USDA Streamline, or VA IRRRL—no appraisal or income docs required. Save money with a simple refinance.

CHFA mortgages promise help, but do they actually hurt buyers? This article breaks down how CHFA loans often cost more, deliver less, and put borrowers at greater risk — all while funding a bloated public agency. Learn the truth behind the marketing and see why better options exist.

Buying a home comes with a big question: “How much will I actually need to bring to closing?”
In this post, we break it all down — showing you exactly how your cash due at closing is calculated. We walk through the full math step-by-step and explain where every dollar goes, from fees and prepaids to credits and loan structure. No fluff, no guesswork — just total transparency.

When you apply for a mortgage with us, we’re asking ourselves a single, critical question that guides our work:

“What’s the most cost-effective way for this borrower to finance their home?”

That question drives the selection of the loan options we present to you. While it sounds simple, answering that question requires experience, flexibility, and the ability to see every piece of your financial picture in context.