Fast approvals, clear communication every step of the way, and a team that actually picks up the phone. Whether you're buying or refinancing in Colorado, Wyoming, or Montana, we'll find the right loan for you.
We take pride in being reachable. Questions, problems, or just want an update — we're a phone call or text away, start to finish.
We shop multiple lenders on your behalf, so you get competitive pricing without doing the legwork of contacting several banks yourself.
We walk you through the entire mortgage process personally and make sure your transaction closes smoothly and on time.
Shopping for a mortgage at a bank is like going to a restaurant with one thing on the menu — you get what they've got. As an independent broker, we do it differently: we pull real options from multiple lenders and lay them out for you side by side — rate, monthly payment, down payment, and total cost — so you can actually see how each program stacks up. No guesswork, no jargon, no pressure. You compare, you ask questions, you pick the winner. It's your money; you should get to see the whole board.
Predictable payments for the life of your loan. 15- and 30-year terms available.
Lower initial rate, ideal if you plan to move or refinance within a set number of years.
Government-backed loans with flexible credit and down payment requirements.
We love our veterans and are deeply grateful for your service to our country. Zero down payment options for eligible veterans, service members, and spouses — you've earned this benefit, and we'll help you use it.
Not sure which one fits? That's literally our job. Tell us your goals and we'll run the numbers on two or three programs side by side — then you decide. Start the conversation →
Your application is completed on our encrypted borrower portal — the same secure system we use to manage your loan file from application to closing.
Opens our secure borrower portal in a new tab. Takes about 15–20 minutes.
Begin Secure Application"Working with Option 1 Mortgage was an outstanding experience from start to finish. The entire team was knowledgeable, responsive, and made what can be a stressful process feel simple and straightforward. They took the time to answer every question, kept us informed throughout each step, and always had our best interests in mind. We never felt pressured or left wondering what came next. Thanks to their hard work, our closing went smoothly, and we couldn't be happier with our new home. If you're looking for a mortgage company that truly cares about its clients and delivers exceptional service, I highly recommend Option 1 Mortgage."
"I can't say enough good things about Eddie and Acacia! They were both a joy to work with and guided us through the entire process. They were incredibly knowledgeable, answered all of my questions, and were always prompt with their responses. On top of that, they secured the best mortgage rate for us by a long shot! I can't recommend them enough."
"We had an outstanding experience with Eddie and Acacia. Eddie's expertise and guidance made navigating the mortgage process feel easy, while Acacia's responsiveness and attention to detail ensured everything went smoothly. Together, they found us a fantastic rate and supported us every step of the way. Thanks to both of them, we closed on our home confidently and couldn't be happier!"
These are just three of our 185 five-star reviews — see them all live on Google →
Had a great experience with us? Leave us a review →
Option 1 Mortgage is your trusted local mortgage broker serving Longmont, Northern Colorado, Denver, and the surrounding Front Range communities. We specialize in helping homebuyers and homeowners find the best loan options—whether you're purchasing your first home, refinancing, or exploring VA, FHA, or jumbo programs. As an independent broker, we shop multiple lenders to secure competitive rates and solutions tailored to your goals.
We're also proud to serve homebuyers across Wyoming and Montana. From Cheyenne to Casper and Billings to Bozeman, buying in wide-open country comes with its own set of questions — rural properties, acreage, second homes, and mountain-town markets — and we know how to navigate them. You get the same fast pre-approvals and personal, pick-up-the-phone service whether you're buying on the Front Range or in the high plains.
Our experienced team provides clear guidance, fast pre-approvals, and personalized service to make the mortgage process simple and stress-free. From Longmont to Denver and across Boulder County, Option 1 Mortgage is here to help you achieve homeownership with confidence.