Licensed in Four States · NMLS 1352284
Mortgage Lending in Colorado, California, Georgia and Texas
One office in Westminster, Colorado. Four state licenses. And four genuinely different sets of rules, which is the part that actually matters.
Overview
The loan is national. The law is not.
People assume a mortgage works the same way everywhere, and it mostly does — until it does not. A cash-out refinance in Texas is governed by the state constitution and capped at 80% of value, which means a Texas veteran cannot do the 100% VA cash-out a Colorado veteran can. California has thirteen counties where government financing reaches $1,249,125, so buyers there routinely reach for a jumbo loan hundreds of thousands of dollars before they need one. Most of Georgia outside the metros is USDA-eligible, which puts 0% down on the table for buyers who assumed they needed 3.5%. And Colorado’s FHA limits swing from $541,650 in El Paso County to $862,500 across the Denver metro, so the county line can decide what you can buy. Knowing those four rulebooks is the reason the licenses are worth holding. My office is at 12001 Tejon Street in Westminster and Colorado clients are welcome to sit across a desk from me; California, Georgia and Texas files run entirely remotely, start to finish, which is how most of the industry works now anyway.
Where I lend
The four states I am licensed in
- Colorado — license 100530548. Office in Westminster; city-level coverage across the Denver metro.
- California — license CA-DFPI 1352284. Handled remotely.
- Georgia — license 1352284. Handled remotely.
- Texas — NMLS 1352284. Handled remotely.
- Every file outside Colorado runs start to finish electronically — application, documents, disclosures and closing coordination.
- Licensing is verifiable at nmlsconsumeraccess.org under NMLS ID 1352284.
By state
Pick your state
Colorado
License 100530548. Local office, Denver metro city pages, CHFA assistance. Westminster · Denver · Aurora · Arvada
California
License CA-DFPI 1352284. High-cost county limits to $1,249,125, GSFA and CalHFA assistance, ITIN and foreign national lending. California lending.
Georgia
License 1352284. Georgia Dream and the Peach programs, plus USDA eligibility across much of the state. Georgia lending.
Texas
NMLS 1352284. Section 50(a)(6) cash-out rules, TSAHC and SETH assistance, property tax and DTI. Texas lending.
More Colorado cities
Everywhere else
If your property sits outside these four states I cannot originate the loan, and I will tell you that in the first conversation rather than waste your time.
Not sure whether I can lend where you are buying?
Tell me the state and the property type and you will get a straight yes or no. Call (303) 557-3846 or start online.
Common questions about where I lend
What states are you licensed to originate mortgages in?
Colorado (license 100530548), California (CA-DFPI 1352284), Georgia (1352284) and Texas, all under NMLS ID 1352284. A mortgage loan officer must be licensed in the state where the property is located, not where the borrower lives — so if you live in Arizona and are buying in Colorado, I can help.
Can you help me if I live in another state but am buying in one of yours?
Yes. Licensing follows the property, not the borrower. Out-of-state buyers purchasing in Colorado, California, Georgia or Texas are straightforward. The reverse is not true: if you live in Colorado but are buying in Florida, I cannot originate that loan.
Do I have to come to your office?
Only if you want to. Colorado clients are welcome at 12001 Tejon Street, Unit 128 in Westminster, and plenty of people prefer to sit down in person. California, Georgia and Texas files run entirely remotely — application, document upload, disclosures and closing coordination all happen electronically.
Why does it matter which state my property is in?
Because the rules genuinely differ. Texas caps cash-out at 80% of value by constitutional law, including for VA loans. California has thirteen counties where government financing reaches $1,249,125. Much of Georgia qualifies for 0% down USDA financing. Colorado FHA limits range from $541,650 to $862,500 depending on county. The same borrower gets four different answers.
Choosing between them? See Colorado down payment assistance compared side by side.
Relocating from California? See California → Colorado or California → Texas.