Personalized from day one
Seasoned professional brokers take care of each individual transaction, with support staff and systems that keep everything moving smoothly.
Denver Mortgage Brokers
The three best words in real estate lending: Clear to Close.
Customized residential mortgages for purchasing or refinancing your home — guided start to finish by seasoned brokers who answer the phone on Saturday mornings.
25+ YearsLending experience
WholesaleLender access
7 DaysA week availability
#1801539NMLS licensed
It's all about the people
Mortgage lending, done personally.
You're not a loan number here. Every transaction is handled by a broker who knows your name, your goals and your closing date.
No "office hours"
Making an offer on a Sunday? Stuck for an answer on a Saturday? We're ready when you are.
Built on referrals
Our real estate partners trust us with their clients because we communicate clearly and close on time — a transaction everyone appreciates.
Brokers, not bankers.More options · Better pricing
Who we are
A smarter way to finance your home.
Clear to Close Mortgage provides customized residential mortgages for purchasing or refinancing homes. As a wholesale broker, we shop the loan for you — banks only have one price option: theirs.
Competitive pricing
We compare multiple wholesale lenders so you get pricing a single bank can't match.
Variety of programs
A wider menu of loan programs means we select the option that actually fits you.
Speed is a good thing
Our investors are fast — quick turn times give you an advantage when competing against other buyers.
Loan programs
Financing for every chapter.
From a first home to a growing rental portfolio, we match you with the right program and the right lender.
Home Purchase
Strong pre-approvals and fast closings that make your offer stand out to sellers.
Buy with confidenceRefinance
Lower your payment, shorten your term or tap equity — we'll show you exactly what it costs and saves.
Rate & term · Cash-outHELOC & Second Liens
Keep your great first-mortgage rate and access cash. We'll calculate your blended rate side by side.
Protect your rateInvestor DSCR Loans
Qualify on the property's income and expense ratio rather than personal income. Easy for investors.
Debt service coverageConventional & High-Balance
Take advantage of the new 2027 conventional loan limits for premium pricing on larger loans.
2027 limit · $845,000First-Time Buyers
We walk you through every step and every question, so closing day feels like a celebration — not a surprise.
Guided start to finish
The Clear to Close Learning Center
Insights in plain language.
Mortgages are full of confusing terminology. Here's what's new and what it means for you — no jargon required.
Now available
New 2027 Conventional Loan Limits
$845,000
Higher limits mean premium conventional pricing on larger loans — available immediately. Contact a broker to see how much more home you can finance.
Talk to a BrokerInvestorsDSCR loans: qualify on the property, not your paystub
New programs let investors qualify using the property's income/expense ratio — the debt service coverage ratio. It makes the qualifying process easy for rental purchases and refinances. Ask a broker →
HomeownersRefinance or HELOC? Don't lose your great rate.
Have a great first-mortgage rate but need cash to pay down higher-interest debt? A HELOC may beat a full refinance. We'll calculate your new blended rate and compare both options side by side. Run my numbers →
BuyersWhy a broker can help you win the offer
Wholesale lenders move quickly, which means faster turn times — a real advantage when you're competing against other buyers. Pair that with weekend availability, and you're ready the moment the right home lists. Estimate a payment →
BasicsBrokers vs. bankers — what's the difference?
A bank can only offer its own products and pricing. A broker compares multiple wholesale lenders to find more competitive pricing and a wider variety of programs — then manages the process through closing. Learn more →
Mortgage calculator
Estimate your monthly payment.
Adjust the numbers to see an estimated payment. When you're ready, a broker will price real options for you.
Estimated monthly payment
$0/mo
- Principal & interest$0
- Property tax$0
- Homeowners insurance$0
- HOA$0
- Loan amount$0
Estimates only; does not include mortgage insurance and is not a loan offer or commitment to lend. Rates, terms and eligibility vary.
What people are saying
Treated like family.
Looking for advice?
Talk to a knowledgeable, friendly broker.
Whether you're buying, refinancing or investing, we'll help you compare options and run the real numbers — evenings and weekends included.
- Emailmail@ctocmtg.com
- Office975 Lincoln Street #204
Denver, CO 80203 - HoursWhen you need us — 7 days a week
Ready to get started?
Your path to closing day starts here.
Applying online is convenient and secure, and you can upload important documents right from your phone. There's no reason to wait.
- Secure application
- Mobile document upload
- Personal broker
Careers
Join the team.
If you've been in the mortgage industry long enough, you know the advantages of being a wholesale broker — for you and your clients.
We give our brokers the best wholesale partners in the industry, real support moving transactions to closing, and a culture that's fun and rewarding.
Learn More