Business Details
Your Trusted Mortgage Partner in Colorado
At Montezuma Mortgage, we prioritize transparency, clarity, and personalized service in every mortgage transaction. With over two decades of experience handling thousands of transactions, our team, led by Principal Broker Daniel Hennek, is dedicated to guiding clients through the complexities of home financing. We combine deep industry expertise with a client-first approach, ensuring every borrower understands their options while securing cost-effective solutions.Our commitment to excellence is reflected in our tailored loan programs, including Conventional, FHA, VA, and renovation loans, designed to meet diverse financial needs. We pride ourselves on responsiveness, problem-solving, and fostering long-term relationships built on trust and integrity.
Services
Conventional Loans
FHA Loans
VA Loans
CHFA Loans
Renovation Loans
First-Time Homebuyer Programs
Mortgage Refinancing
Down Payment Assistance
Credit Counseling
Loan Risk Assessment
Highlights and features
- We have handled thousands of mortgage transactions with expertise.
- Our team provides personalized guidance through every step of the process.
- We prioritize transparency and clarity in all mortgage solutions.
- We help clients save money through cost-effective loan programs.
- Our brokers are responsive and dedicated to problem-solving.
What people say
Responsive and helpful
Saved us money
Professional and knowledgeable
Smooth transactions
Highly recommend
Services
Conventional Loans
Conventional loans offer competitive rates for borrowers with strong credit. These fixed-rate mortgages are ideal for those seeking stability and flexibility in home financing. We help clients navigate eligibility requirements and secure optimal terms.
FHA Loans
FHA loans provide low down payments for credit-challenged borrowers. Backed by the Federal Housing Administration, these loans require 3.5% down with a 580+ credit score. We guide clients through streamlined approval processes.
VA Loans
VA loans offer zero down payment options for eligible veterans and service members. These mortgages include no mortgage insurance and flexible underwriting. We specialize in maximizing benefits for military families.
Renovation Loans
Renovation loans finance property upgrades alongside purchase. Programs like FHA 203k and Fannie Mae HomeStyle allow 3% down on post-renovation values. We structure deals to enhance home value and functionality.
First-Time Homebuyer Programs
First-time buyer programs provide down payment assistance and rate discounts. We connect clients with grants, community seconds, and income-based options to reduce upfront costs and barriers to homeownership.
People
Daniel Hennek
Principal Broker
Daniel Hennek, Principal Broker at Montezuma Mortgage, brings decades of experience in mortgage banking. He specializes in guiding clients through complex transactions with transparency and personalized service.
Questions
What mortgage programs do you offer?
We offer Conventional, FHA, VA, CHFA, and renovation loans, along with first-time homebuyer programs. Each is tailored to meet diverse financial situations and homeownership goals.
How do you select the best loan for me?
We analyze your financial profile, credit history, and goals to recommend cost-effective options. Our process prioritizes long-term savings and eligibility for favorable terms.
Can I get a mortgage with a low down payment?
Yes. Programs like FHA (3.5% down), VA (0% down), and HomeReady allow minimal down payments. We also help with grants and community seconds to reduce upfront costs.
Do you offer refinancing options?
We provide rate-and-term refinancing, cash-out refinancing, and VA IRRRL programs. Our goal is to lower your payments, shorten loan terms, or access home equity efficiently.
How much do your services cost?
Our services are free—we earn commissions from lenders. Clients benefit from no additional fees while accessing competitive rates and personalized guidance.
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