I've spent three decades as a mortgage banker and broker, and I started Pivotal Mortgage to do it the way I always wanted to: straight answers, access to more than 60 lenders, and a local broker who picks up the phone, weekends included.
Call or text Gerry(720) 273-1200
Buying and refinancing are different conversations. Pick the one that fits and I'll show you how I'd approach it.
A strong pre-approval is the first step, and it's what makes sellers take your offer seriously. I'll review your full picture up front so there are no surprises once you're under contract, and because I can shop more than 60 lenders, I can match you with the program that fits instead of the one a single bank happens to offer.
A refinance replaces your current mortgage with a new one. It's worth doing when the savings pay back your closing costs well before you expect to sell or refinance again. I'll run the numbers both ways and tell you honestly if now isn't the right time.
If you've built equity in your home, a cash-out refinance can pay off credit cards, car loans or other high-interest balances and roll them into one mortgage payment. For many families that frees up hundreds of dollars a month.
It's a big decision, so I'll be straight with you about the trade-offs. Paying off debt with your mortgage secures it against your home and can stretch it over a longer term, so your total interest cost may be higher even when your monthly payments drop. I'll show you both numbers before you decide.
I've been in residential lending for 30 years, through rate cycles, housing booms and tight markets. I've worked on both sides of the business, as a banker at a lender and as a broker shopping loans across lenders. That experience is the reason I opened Pivotal Mortgage.
I've lived in Castle Rock and Douglas County for the last 25 years. This is my community, and I'm proud to help families put down roots here and all along the Front Range. We raised three kids here, and now that they're grown and starting careers of their own, you'll usually find my wife and me outdoors, camping, hiking or mountain biking when I'm not working.
Working with me means you'll never be routed to a call center or a ticket queue. When you call or text, you reach me. Homes don't only sell Monday through Friday, so I don't keep banker's hours either. If your agent needs an updated pre-approval letter on a Saturday afternoon, or you're lying awake Sunday night with a question about your closing costs, reach out. I'll get back to you.
Whether this is your first purchase or your fifth, I'd be glad to help.
You'll know your options, your costs and your timeline before you commit to anything.
With access to more than 60 lenders, I can compare programs and pricing to find the right fit for your situation.
Offers go in on Saturdays. You can reach me that day, with updates at every milestone and a direct line to the person working your loan.
Gerry was patient and helpful with all of our questions, even if we asked the same one more than once. I heavily relied on being able to trust him and his guidance throughout the process.
Gerry is very responsive and willing to answer any questions. I really felt like he had my best interest in mind. I would definitely recommend him to anyone.
Literally the fastest communicator known to man.
Gerry is great because we know that he is looking out for our best interest both now and in the long-term.
Gerry has great knowledge and communication!
Gerry made the buying a home easy.
I'm licensed throughout Colorado and work most often in these communities, from Fort Collins to Colorado Springs and up into the mountain towns.
Castle Rock · Parker · Littleton · Centennial · Franktown · Elizabeth
Growing neighborhoods and a lot of new construction, with more room to spread out toward Franktown and Elizabeth. If you're buying from a builder, I'll compare their preferred-lender incentives against outside financing so you can see the real cost of each option.
“Gerry has great knowledge and communication!” Mary O., Castle Pines
Denver · Lakewood · Wheat Ridge
From city condos to older homes in established neighborhoods. Condo buildings and older properties can come with extra lender requirements, and I'll flag them before they slow down your closing.
“Literally the fastest communicator known to man.” Esther G., Aurora
Boulder · Broomfield
Higher price points often mean larger loan amounts. I'll compare conventional, high-balance and jumbo options side by side so you know which one fits.
Fort Collins · Greeley
A favorite for first-time buyers and families moving up I-25. I'll walk you through low-down-payment options, including Colorado down payment assistance programs.
“Gerry is very responsive and willing to answer any questions.” Brian B., Loveland
Colorado Springs
Home to many military families. Eligible veterans and service members can use VA loans with no down payment, and I can shop them across my lender network.
Breckenridge · Frisco · Vail · Aspen · Steamboat Springs · Winter Park · Granby · Estes Park · Evergreen
Full-time mountain living, second homes and ski condos. Mountain properties bring their own questions, like second-home versus investment financing, condo and short-term rental rules, and wells and septic on rural lots. I'll make sure the loan matches how you plan to use the property.
“I heavily relied on being able to trust him and his guidance throughout the process.” Jessica P., Granby
Applying doesn't commit you to anything. It lets me review your full picture and come back with real numbers.
Complete the secure application with your income, assets and the home you're buying or refinancing.
Pay stubs, W-2s and bank statements go straight into the secure portal. No email attachments.
I'll call you to walk through programs, rates and closing costs side by side, then we lock and move to closing.
The application opens in a new tab on my secure, encrypted loan portal. You can save and come back to it anytime.
Your checkmarks are saved only in this browser.
Adjust the numbers to see an estimate of principal, interest, taxes and insurance (PITI). The rate shown is only an example; your actual rate depends on credit, down payment, loan type and the market on the day you lock.
Estimate only, not a loan offer or rate quote. Mortgage insurance is a rough placeholder of 0.5% of the loan per year; actual cost varies by credit score and program.
Get my real numbersEvery situation is different. Reach out and I'll give you a straight answer.