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Graphic image of a Denver home building equity for generational wealth.

Mortgage Broker

Helping you build generational wealth.

Homeownership = equity = wealth. The Mortgage Architects help more people get on the property ladder with wholesale lender pricing and loan officers who take friendly, dedicated service to a new level (you’ll be adding us to your holiday card list 🙃).

  • FREE to Apply

  • 100% Judgment-Free Zone

  • As Low as 3% Down Payment + Down Payment Assistance Programs

Our 30+ Lenders
Compete For Your Loan

Loan Options

Wholesale pricing + friendly service.

You can have your cake and eat it too. Get the best rates, local service, and a personal mortgage guide.

The Skinny 👉🏻 The Mortgage Architects is an independent mortgage brokerage with access to 20+ end investors (read: we make the banks compete for your loan).  

Bonus: We answer the phone.

Home Loans

From FHA to Conventional and everything in between. We have you covered to get the right loan for your situation.

Refinances & Reverse Mortgages

Get cash out or a better rate with a refinance. 62+ older can reverse it, tap into equity, and retire in style.

VA Loans

VA home and Jumbo loans are an exciting mortgage option for military personnel, veterans, and surviving spouses! These loans make it easy to buy a home.

Specialty Home Loans

We work magic for home buyers who don’t fit the cookie-cutter banking mold—self-employed, fix & flips, marijuana industry borrowers, and more.

Specialty Loans

All In One Loan™
Alternative Credit
Alternative Income
Bridge Loans
Bank Statement Loans
Non-Warrantable Condos
Unique Property Types
Loans in an LLC or Trust
Asset Depletion
No Credit
Marijuana Industry Borrowers
Land Loans
Fix & Flip
Foreign National
Cash Purchase
Rate Buydowns
Lock & Shop


Within Reach

Often, the biggest obstacle to home buying and investing is overcoming readiness fears or wondering what the next step should be. You are not alone!

Let’s talk about your dream home and a solid plan of action. We are here to be your lending guide and support system on the path to homeownership. 

“I own my own business. My accountant has always advised me to take a lot of deductions to keep my tax burden low. While this has been a huge tax saving, frankly, I thought I wouldn’t look good on paper.”

“Turns out, I was able to get a bank statement loan and I am out househunting now!”

“I was worried I didn’t have enough savings. I had some credit issues and a few medical collections. I didn’t think I had my ducks in a row.” 

“I was stunned to learn I qualified and didn’t need a 20% downpayment!”

“I was super excited about owning my own home and not renting anymore. I had a lot of questions, wasn’t sure if I was ready for the financial commitment or if I’d be able to afford it.

“I received so much guidance and support from the loan officer. I made an informed decision and feel confident now!”

“I knew I had a ton of equity in my home and was really interested in buying a second home. I didn’t know if I could leverage my equity or get a HELOC for the downpayment.”

“The Mortgage Architects set me up with a Homebot account and now I get emailed my exact options based on my home’s market value”

“I wanted to invest in real estate— properties I could rent furnished downtown. I wasn’t sure where to start or how to find the right investment property. I needed help navigating it all.

“The Mortgage Architects connected me with one of their VIP realtors, got me pre-approved for the loan, and I am scheduled to see properties this week.”

“I wanted to achieve the American dream of homeownership! Since my family immigrated here, we didn’t have experience with the process. I was worried about my finances, especially since we run our own family business.”

“Nathan went above and beyond. He was able to leverage my business ownership in a way that made home buying possible.”

    Generational Wealth

    Building wealth begins with real estate.

    Once you own your own home, the possibilities for using your wealth to benefit you and your family are endless. You can tap into assets to purchase a second home, pay for tuition, or leverage a reverse mortgage in retirement. 

    We can’t wait to see you succeed and build wealth for yourself and your family. Take that first step towards a bright financial future.


    of top 50% of wealth
    is held in real estate*


    More Wealth for
    Homeowners Vs Renters


    Cumulative Home Value
    Appreciation Last 30 Years

    *The top 50% of Americans hold 2/3 of their wealth in real estate.

    In 2019, homeowners in the U.S. had a median net worth of $255,000, while renters had a net worth of just $6,300. That’s a difference of 40x between the two groups.

    “A lot of people want to time the market, but it’s time in the market. That’s how you get wealthy.”

    Michael Zuber | property investor and early retiree
    Apply Now

    Easy Loan Application

    Get started on your dreams today. Simple loan application +  friendly loan guides who know how to make you look golden on paper. 😉

    Online Application

    We take pride in making the mortgage process as easy and stress-free as possible for our clients.

    Text & Email Updates

    Email and text updates to keep you in the loop every step of the way. You can ask questions and get answers in real-time via text!

    Secure Document Upload

    Safely share financial and other documents directly with our team. We maintain robust network security and data centers.

    Fast Pre-Approval

    Time is of the essence when it comes to purchasing a home. That’s why we offer fast pre-approval to help you move through the process swiftly and confidently.