Finding the right mortgage in Colorado shouldn’t be complicated.
Whether you’re buying your first home, refinancing, or investing in property, Colorado Mortgage Collective offers competitive rates, personalized options, and expert guidance to help you reach your goals—without the hassle. Let’s make your home financing journey smooth, simple, and stress-free—from the Front Range to the mountain towns and everywhere in between.
At Colorado Mortgage Collective, we’re here to make your path to homeownership clear and confident. Whether you’re buying in Denver, refinancing in Boulder, or investing in the mountains, we offer personalized mortgage solutions, competitive rates, and expert guidance—every step of the way.
Conventional home loans are a popular choice for Colorado homebuyers with strong credit and steady income. Whether you’re purchasing a primary residence, second home, or investment property, Colorado Mortgage Collective offers competitive rates and flexible terms to fit your needs. With a streamlined process and expert support, we help you secure a reliable mortgage that aligns with your long-term financial goals.
FHA home loans are ideal for first-time buyers or those with lower credit scores. Backed by the Federal Housing Administration, they offer low down payments, flexible credit guidelines, and affordable rates—making homeownership more accessible across Colorado. Our team will walk you through every step, so you can move forward with confidence and secure a home you love.
VA home loans are designed for veterans, active-duty military, and eligible spouses. Backed by the Department of Veterans Affairs, these loans offer no down payment, no PMI, and competitive interest rates. At Colorado Mortgage Collective, we proudly serve those who’ve served—making the dream of homeownership easier and more affordable for Colorado’s military families.
Buying a luxury home or a property that exceeds conventional loan limits? Our jumbo home loans are perfect for high-value real estate in Colorado’s competitive markets. With higher loan amounts, custom underwriting, and competitive rates, we make it easy to finance your dream home in places like Boulder, Vail, or Denver’s most desirable neighborhoods.
If you’re self-employed, you deserve a mortgage that reflects your real income—not just your tax returns. Our self-employed home loans use bank statements, P&Ls, and other alternative documentation to help Colorado entrepreneurs and freelancers qualify. With flexible terms and personalized service, we help business owners secure the financing they need to buy or refinance with confidence.
Non-Qualified Mortgage (NQM) loans are a great fit for borrowers who don’t meet traditional lending guidelines. Whether you have non-traditional income, recent credit events, or a unique financial situation, Colorado Mortgage Collective offers custom solutions, including bank statement and asset-based options. We make homeownership possible—even when the conventional path isn’t a fit.
Bank statement loans are a flexible solution for self-employed Coloradans who may not qualify using W-2s or tax returns. Instead, we review 12–24 months of bank statements to verify income. Perfect for entrepreneurs, consultants, and gig workers, these loans offer competitive rates, flexible terms, and a process built around your lifestyle.
Looking to grow your Colorado real estate portfolio? Our investment property financing options make it easier to buy rental homes, vacation properties, or multi-unit investments. We offer income-based qualification, competitive terms, and expert support to help you build long-term wealth through smart property decisions—from the Rockies to the suburbs.
ITIN loans are designed for borrowers who don’t have a Social Security number but file taxes using an Individual Taxpayer Identification Number. At Colorado Mortgage Collective, we proudly help non-U.S. citizens access home financing with flexible documentation and competitive rates—making the dream of homeownership in Colorado more accessible to all.
Thinking about refinancing your Colorado home? We offer a range of refinance home loan options to help you lower your interest rate, reduce monthly payments, or tap into home equity. Whether you’re improving your terms or accessing funds, our process is simple, flexible, and built to support your financial goals.
With a cash-out refinance, you can replace your current mortgage with a new one and access your home’s equity in cash. Use the funds for home improvements, debt consolidation, or other major expenses. At Colorado Mortgage Collective, we help you maximize the value of your home while keeping your finances on track.
Whether you’re building a custom home or remodeling your current one, our renovation and construction loans offer the flexibility to fund your vision. We cover both construction costs and long-term financing in a single solution. Ideal for Colorado homeowners and buyers ready to create their dream space from the ground up.
USDA home loans are ideal for buyers in Colorado’s eligible rural and suburban communities. With zero down payment, low rates, and flexible credit requirements, these government-backed loans make homeownership more affordable. Our team helps you navigate the USDA process with ease, so you can settle into a home that suits your lifestyle and budget.
We specialize in helping first-time buyers in Colorado make smart, confident moves. Our First-Time Homebuyer and Down Payment Assistance (DPA) programs offer low down payment options, flexible credit requirements, and access to grants that reduce upfront costs. If you’re ready to stop renting and start building equity, we’re here to guide you home.
Reverse mortgages let homeowners 62 and older convert home equity into cash—without monthly mortgage payments. Use it to supplement retirement income, fund improvements, or even purchase a new home. At Colorado Mortgage Collective, we help you or your loved ones understand the options, so you can stay in the home you love while enjoying greater financial freedom.
With over 23 years of residential lending experience, Jessie Thompson, Senior Loan Officer at Colorado Mortgage Collective LLC, delivers expert home loan solutions with a strong focus on trusted support, clear communication, and a client-first approach. Jessie has successfully guided borrowers through a wide range of scenarios—from first-time homebuyers and self-employed borrowers to retirees and real estate investors.
Jessie’s priority is to ensure a frictionless mortgage process, where clients feel informed, empowered, and at ease every step of the way. Her deep knowledge of the mortgage landscape allows her to provide tailored loan options that meet each client’s unique needs. She believes in honesty, transparency, and creating lasting relationships that go beyond the transaction.
Born and raised in Boulder, Colorado, Jessie takes pride in serving her local community. After earning her Business Administration degree from Baylor University, she returned to Boulder where she now shares her love for the area with her clients. Outside of work, Jessie enjoys hiking in open spaces, reading on her porch, and spending time with her husband, Kyle, their twins, Will and Sydney, and their two beloved beagles, Rocky and Ruby.
Licensed in CO
Whether you’re purchasing your first home, refinancing, or investing, Jessie Thompson is your trusted partner in navigating the Colorado mortgage market with confidence and care.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
At Colorado Mortgage Collective, we believe getting a mortgage should feel empowering—not overwhelming. We’re a team of experienced professionals who know Colorado’s housing market inside and out, from the Front Range to the Western Slope. Whether you’re buying your first home, refinancing, or investing, we provide personalized guidance, competitive rates, and a process built on trust and transparency.
We’re not a call center—we’re real people, ready to help you make smart, confident financial decisions every step of the way.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
Colorado Mortgage Collective LLC offers personalized mortgage solutions, fast customized quotes, great rates, and service with integrity.
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