A mortgage guy who shops around before he tells you what to do.
I'm Charles Smith, a mortgage loan officer based in Northern Colorado. I don't work for one bank — I work for you, and I compare rates and programs across multiple lenders to find what actually fits your situation.
Translation, not simplification.
Lender-neutral, on purpose
I'm not tied to one bank's rate sheet. I shop your loan across multiple lenders so the comparison is real, not a formality.
Plain language, real numbers
Mortgages get made complicated on purpose. My job is to translate the jargon into what it actually means for your monthly payment — not water it down.
Permission to not know
You don't need to already understand DSCR, PITIA, or DPA before you call. That's what the conversation is for.
Most of what I do falls into five categories.
Buying your first home
Down payment assistance, low-down programs, and a plain answer to "am I actually ready?"
RefinanceIs it worth it right now?
A real break-even number before you commit to anything.
InvestmentDSCR & rental financing
Qualify on the deal's cash flow, not your tax returns.
VA LoansVeterans & service members
Using the benefit you earned, done right.
Non-QMSelf-employed & non-traditional income
When your income doesn't fit neatly on a W-2, there are still real options.
The official part.
Licensing details, spelled out plainly, because you shouldn't have to dig for them.
- NameCharles Smith
- TitleMortgage Loan Officer
- NMLS #2606849
- CompanyElite Financial Team, LLC
- Based inNorthern Colorado
- Licensed inColorado, statewide
- Office11160 Huron St, Suite 201, Northglenn, CO 80234
Free First-Time Home Buyer class
I co-host a live, no-pitch class with Becky Shannon of Priority Realty covering the real numbers for buying in Northern Colorado.
Bring your situation as it is.
Credit, savings, questions and all. Twenty minutes and you'll know exactly where you stand — no pressure to move forward.