Business Details
41 Years
experience
Your Trusted Mortgage Partner in Denver, CO
Founded in 1985, The Mortgage Network has established itself as a trusted leader in the mortgage industry. Our team of licensed, bonded, and insured mortgage loan originators brings decades of combined experience to every transaction, ensuring clients receive expert guidance tailored to their unique financial situations. As an FHA- and VA-approved lender, we offer a comprehensive range of loan productsincluding conventional, jumbo, and non-QM loansthrough partnerships with top wholesale lenders and private money sources.Our commitment to transparency, education, and proactive support has earned us a reputation for excellence, with thousands of satisfied clients and a BBB-accredited status. Available seven days a week, we prioritize fast, reliable service to meet the demands of todays competitive real estate market.
Services
FHA Loans
VA Loans
Conventional Loans
Jumbo Loans
Reverse Mortgages
Cash-Out Refinance
Home Purchase Loans
Refinance Loans
Non-QM Loans
Down Payment Assistance
Details
- Year established: 1985
Highlights and features
- Licensed, bonded, and insured mortgage professionals with 40+ years of collective experience
- Access to diverse loan products through partnerships with top wholesale lenders
- Personalized guidance for first-time buyers, refinancers, and unique financial situations
- Seven-day availability and rapid response times for urgent real estate needs
- Proven track record of thousands of successful closings and BBB-accredited status
Associations and certifications
- FHA
- VA
What people say
Knowledgeable and patient
Smooth and efficient process
Expedited refinance
Best mortgage experience
Always available
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. Ideal for first-time buyers, these government-insured loans allow down payments as low as 3.5% and accommodate borrowers with credit scores starting at 500. Our team specializes in guiding clients through FHAs unique benefits, including competitive rates and lenient debt-to-income ratios, making homeownership achievable for diverse financial profiles.
VA Loans
VA loans offer zero-down payment options and exclusive benefits for veterans, active-duty service members, and eligible spouses. As a VA-approved lender, we streamline the process for these guaranteed loans, which feature no private mortgage insurance (PMI) requirements and favorable interest rates. Our experts ensure veterans navigate eligibility criteria and documentation efficiently to secure their dream homes.
Conventional Loans
Conventional loans cater to borrowers seeking flexible terms without government backing. Available as fixed-rate or adjustable-rate mortgages, these loans suit those with strong credit histories and down payments of at least 5-20%. We offer conforming and jumbo options to meet high-value property needs, emphasizing competitive rates and customizable features for primary residences or investment properties.
Reverse Mortgages
Reverse mortgages empower homeowners aged 62+ to convert home equity into tax-free funds. Designed for financial flexibility, these loans allow borrowers to access cash for retirement expenses, medical bills, or debt consolidation while retaining home ownership. Our certified specialists provide clear guidance on HUD-approved programs and ensure compliance with federal counseling requirements.
Cash-Out Refinance
Cash-out refinancing lets homeowners leverage built-up equity for major expenses like renovations or education costs. By replacing an existing mortgage with a larger loan, borrowers receive the difference in cash. We simplify the process with competitive rates and expedited closings, ensuring clients maximize their homes value while maintaining favorable loan terms.
People
Jaxzann Riggs
Founder & CEO
With over 35 years of mortgage expertise, Jaxzann Riggs leads The Mortgage Network as founder and CEO. Her deep industry knowledge and commitment to client advocacy have driven the companys growth since 1985. Jaxzann specializes in complex loan scenarios and maintains a hands-on approach to ensure seamless transactions for first-time buyers and seasoned investors alike.
Elizabeth Luna
Mortgage Loan Originator
Elizabeth Luna brings 15 years of mortgage experience to her role as a top-performing loan originator. Known for her meticulous attention to detail, she excels in guiding clients through VA and FHA loan programs while maintaining a 98% client satisfaction rate. Her proactive communication ensures smooth closings even in tight market conditions.
Cathy
Loan Processing Manager
Cathy oversees loan operations with a decade of experience in mortgage processing. Her expertise in documentation and compliance ensures timely approvals for purchase and refinance transactions. Clients praise her responsiveness and ability to resolve complex underwriting challenges efficiently.
Questions
What types of mortgage loans do you offer?
We offer FHA, VA, conventional, jumbo, reverse, and non-QM loans, along with cash-out refinance and down payment assistance programs tailored to diverse financial situations.
How quickly can you close a mortgage?
Our streamlined process closes loans in as little as 30 days, with dedicated support seven days a week to meet urgent real estate timelines.
Do you work with first-time homebuyers?
Yes, we specialize in guiding first-time buyers through down payment options, credit requirements, and government programs to make homeownership accessible.
Are your rates competitive?
We leverage relationships with top wholesale lenders to secure competitive rates, with personalized rate locks to protect against market fluctuations.
Can I apply for a mortgage after hours?
Our online application and seven-day team availability let you start the process anytime, with same-day responses to urgent inquiries.
What documentation is needed for pre-approval?
Basic income verification, credit history, and asset statements are required for pre-approval, with our team guiding you through each step.
