Mortgage Lenders Denver
Congratulations on making the decision to become a homeowner. Buying a house is a huge commitment and most likely the biggest purchase you will ever have to make. We understand that home loans in Denver can be an intimidating experience, so we vow to always put our customers first and to help educate you on the loan process along the way.
At American Capital Financial our goal is to get you the best possible home loan for your situation while offering you the best possible services. Since 2004, we have been committed to educating our borrowers on home mortgage loans in the Colorado and Wyoming areas. Give us a call to get a conversation started and learn why mortgage loans do not have to be difficult. We are your trusted local Denver mortgage lender.
As experts in the field, we can adequately discuss each of our loan options so you know exactly which service would be best for you.Our loans range from Conventional Home Loans, FHA Loans, USDA Rural Development Loans, and VA loans.
Years of service
What clients say about us.
My wife and i were first time home buyers and were referred to DJ through a family member. Being a first time home-buyer was very stressful to us. DJ took all the stress away! He was always honest, professional, knowledgeable, and friendly. DJ made our entire experience enjoyable. He would pick up the phone to answer all our questions anytime, even while he was vacationing in Hawaii! My wife and I always felt that our future was in good hands with DJ. We will be referring all of our friends to him without hesitation.
I moved here March of 2016 to start a new career, and was just a renter at the time. After considering the cost of renting/owning i decided to start my search of homeownership. Through the grapevine, a friend of mine put me in touch with Ryan a realtor and close friend of DJ’s. After deciding to go for it,and the madness that comes along with homebuying in Colorado, I was introduced to DJ. He helped me every step of the way through my process, with all of the paper work and things needed to secure a loan DJ really made things turn key. Like any life changing process, there is always bumps in the road! I can say from my experience working with DJ and his team, they combat any situations that may arise and take care of them immediately. If I were to buy another property, I couldn’t see myself using anyone else. Thanks again for everything you did to help DJ, I wouldn’t be able to say I’m a homeowner with out you!! You The Man!!
Getting a new mortgage is never fun, especially when we are self employed and have all of the necessary qualifications. DJ was able to help us get into our forever home and made it extremely easy throughout the process. He was very quick to return emails and calls when anything came up. We would recommend DJ to anyone looking for a new mortgage!
My wife and I worked with DJ and his team at American Capital Financial on the purchase of a new home in 2016. DJ was incredibly helpful during every step of the process and was more proactive in following up after closing than any other lender I’ve ever worked with. Because of the level of service we received from DJ we took advantage of the low rates a few months later to refinance our rental property as well. I have since referred a number of friends to DJ and they have all had the same experiences we did – great attention to detail, unparalleled customer service and truly helping clients find the best loan product to fit their needs.
As a first time buyer, I was extremely skeptical about finding the best rates and very wary of “getting played”. After getting several quotes, I found that DJ offered me the best deal. Not only that, he’s local, so he went so far as to drive all the way to Aurora to meet me on my lunch break so I could finish signing paperwork on time. You just don’t get that with big lenders. I also worked with a real estate agent that he was familiar with and it was all just seamless. I never once felt that I was being taking advantage of, all the numbers were as advertised, and DJ was always (and still is) available. I have recommended him to several other friends – they have all used him, and had the exact same satisfying experience. I can’t recommend him enough. And as an edit – I just thought of this: DJ sat down with me, no contract, or money pending, to educate me on the mortgage market. Again, not an industry standard, but, he did it, free of charge. BEFORE I even agreed to sign with him. That’s exceptional.
We have worked with DJ a few times now and each experience was as good or better than the last. He was on top of everything needed for home purchase and refinance and made every detail painless and stress free. We highly recommend working with DJ and we plan to again.
Out of the many house purchasing and mortgage related experiences we had over the last two decades, the experience of buying our residential home this time around with DJ stands tall and was the best. We liked how DJ kept us updated on timely basis. DJ was very flexible to accommodate our schedule and was always willing to go the extra mile in order to provide us the best customer service.
ACF helped us with our refi. DJ and his staff were always very friendly and professional in our communications with each other. DJ kept my wife and I well informed at every stage of the process. Everyone at ACF were always very helpful whenever I called. The whole process was streamlined, efficient, and pretty painless. I would highly recommend DJ and American Capital Financial to anyone for their home mortgage loan needs.
As a professional working on the closing side of this industry, I have always been impressed working with this crew. Now I have personal experience to validate my observations. DJ worked with me and my husband for over a year to make our refinance happen as we had some hurdles to overcome. Not only was I ecstatic that we were able to qualify but the interest rate and speed of the process was incredible. This crew is friendly and efficient which should capture the confidence of every type of borrower. Thank you for all that you have done. I look forward to the next transaction.
I worked with DJ on refinance that had some additional requirements, not common with every loan. He was always very responsive and answered all of my questions with confidence. He is extremely helpful, especially with situations that do not come up every day. I would work with him again and again, and you should, too!
We worked with DJ as first-time homebuyers so we had a lot of questions. We also had some unusual circumstances because we didn’t have an extensive credit history in the US and needed a non-standard mortgage solution. He helped us find a few different options and then made sure we understood how to make the right choice for us. Experience was amazing and very smooth. We intend to be longtime clients and highly recommend DJ as a lender.
We are so happy and grateful for all of your hard work on purchasing our new home!!! You have been more than kind, patient and helpful through the entire process It is an amazing blessing to have had you on our team. You’re family now :). THANK YOU CHRIS!!
Always good talking with you, Chris. And appreciate everything you do for us and especially the added bonus of your advice. I hope your other clients take advantage of that when working with you.
We could not be happier! You’ve done a phenomenal job Chris, and we’ve referred your services to anyone that will listen.
D.J.-I just want to express my deepest appreciation for you and your team! You guys have served our family very, very, very well and want to thank you from the bottom of our hearts for the life ahead of us you’ve helped achieve! We’re just starting to catch up and are really looking forward to getting the house furnished a house warming and would love to include you when the time comes.
“I had the pleasure of working with DJ to refinance my townhome. I was impressed with DJ from my initial contact with him–I sent him an email inquiry and he responded almost immediately! That is how it was from start to finish. DJ was easy to get a hold of and responded to my many emails and phone calls in a very timely manner. I felt like he was really working to find the best option for me and my situation. DJ was professional and easy going and made the whole process practically effortless. DJ was a pleasure to work with and I have already recommended him to others. Thank you DJ!!
We closed on our home in less than a month thanks to the hard and timely work of DJ Davenport. DJ found us a low interest rate 30 year mortgage resulting in affordable monthly payments that fit our budget. He knows his business very well. We could have never imagined the process to be this painless, fast and positive given our imperfect credit. Thanks DJ and American Capital Financial.
Thank you guys for helping me get my 1st home! I finally did it, and I’m going to have a lot of fun messing around, at my home! It seemed like you guys were having fun while making this process simple, and were really accommodating along the way. I don’t think there is anyone better!
DJ is an extremely knowledgeable and trustworthy professional. He successfully helped me re-finance my home and helped me take advantage of historic rates. I would recommend DJ to anyone looking to secure a home loan or re-finance.
DJ and his staff were excellent and very professional. They had endless patience answering questions and always got back to us very quickly. DJ explained each step clearly and even returned calls on the weekend. We have been wanting to refinance for quite some time and DJ knew just how to make it happen!
My sincere thanks to Chris for his untiring help with my refinance and for being a rock star with information! Having spent the better part of six months with another broker who did little to nothing on my behalf, it was a huge relief to be partnered with a person and company who actually treat the customer well. I will definitely use them again and would highly recommend them to anyone buying or refinancing their house. Chris was always on top of things (since I have a USDA loan, he knew more than they did), was forthcoming with information, and kept me updated as the process progressed. Even with some challenges like a government shutdown, he still was involved and working to complete the process. He has earned my highest respect and I would not hesitate to enthusiastically recommend him.
I am a first time homebuyer and I was connected to Chris through my realtor. Let me see if I can find one word to describe the level of service I received from Chris: Detailed, thorough, keeps the client informed, keeps the client up to date, knowledgeable, current on what needs to be done to reach the clients goal, the consummate professional, and just down right AWESOME!! If anyone is in the market for any of the products that American Capital Finance offers, I would refer them to Chris and his staff in a heartbeat! You will never go wrong with this group. Thank you Chris for everything that did. You made the process such a smooth transaction!
DJ, thanks so much for all of your help. I really appreciate you taking the time to answer my questions. Listening to the sellers’ realtor at closing, she said she was really impressed with how attentive you guys were. She also mentioned that a lot of lenders she’s had to work with would never return her phone calls, or would wait and bring up issues on the day of closing. Ken and I both feel so fortunate that we had the opportunity to work with you. You helped reassure us over and over again regarding the status of loan. With as stressful as this process is without any issues, we’re just so appreciative that we were able to have a lender who really cared about making sure we had all of the information we needed. We’ll be calling you again the next time we need to get a loan set up. We’ll also recommend you to anyone we know is in the market. Thanks a billion. We love the new house!
I can’t thank you enough for your professionalism through this process. It’s rare to find someone who is truly good at what they do and you certainly are. I appreciate all of the communication and your thoroughness with everything. I will certainly be recommending you to my friends and family.
Not only was DJ able to find us a great rate, but he made sure we were comfortable throughout the process. That started by thoroughly explaining each of our mortgage options and then focusing on which option best-matched our individual needs. Anytime we had questions, DJ was always knowledgeable, responsive and pleasant to work with. In addition to his exceptional customer service, DJ also saved us a significant amount of money by waiting until the optimal time to lock-in our rate. Thanks to DJ, my wife and I saved on our mortgage payment and will continue to realize that significant benefit as long as we own our house. We give DJ our highest possible recommendation and would encourage anyone shopping for a mortgage to talk to him first.
I was slightly apprehensive about refinancing. I always imagined it to be a time-consuming, complicated, and intimidating process. DJ and American Capital Financial eased all our fears. DJ made it as painless as he could for us from application to closing. He was very responsive answering all our questions in a timely and professional manner. No question – we wouldn’t hesitate to contact DJ and American Capital Financial for any future needs. Top notch service!
After shopping the market and going down the path with another bank I was referred to Chris Coates from a family member of mine. After the first conversation with Chris I knew he and his team were the right fit for me and my family. I had previously worked in the mortgage industry but was blown away by the knowledge and understanding they showed in refinancing my loan. Chris was able to refinance my existing 30 year fixed rate loan and cut my interest rate by over 1.25%. We are now in a 20 Year fixed rate loan, we were able to skip two months mortgage payments and our payment went up less than $40 per month. At every step of the refinance Chris kept me updated and informed on what was going on. My loan was not an easy deal to get through, I am a salaried plus commission employee. Chris knew exactly how to submit the loan and which lender to use. We are now one step closer to achieving our financial goals thanks to American Capital Financial. I would highly recommend Chris to anyone looking to purchase or refinance a home.
We have bought &/or refined 5 times before & Chris was Amazing! He was been brilliant throughout. We’ve never had a better experience; in fact Chris was 1000% better than our best. Thanks so much for all you have done for us. You have been amazingly patient & helpful. We really appreciate ALL you have done to help us. Thanks!
D.J., I wanted to thank you for your hard work and incredible professionalism throughout our recent refi process. I can honestly say it was a truly great experience – your approach is top notch. Who would have thought that something as mundane as refinancing a home could be such a positive customer experience? I wish you much success moving forward and plan to share your information with anybody and everybody I know looking to buy or refi.
American Capital Financial Rocks! My wife and I were anticipating a very complicated and strenuous lending process in purchasing our first home and we were pleasantly surprised with how easy and smooth everything went. We have heard horror stories and were a little scared, but the responsiveness and expertise we received made us feel like true VIPs and we never once felt rushed or pressured. We can’t thank DJ and the ACF team enough for all of their efforts and we look forward to working with them again in the future. They are the best!
Thank you very much, DJ and American Capital Financial, for being willing to give so much to make buying the home of our dreams achievable! We were worried with the current poor housing economy that buying a home would be nearly impossible and you made our hopes for a place to call home a reality. Without you making this whole experience so pleasurable I’m not sure we would’ve been able to make it happen. I will most definitely refer everyone I know to you for their home loan needs. Thanks again, Paul and I are forever grateful!!
My wife and I recently consolidated and refinanced our first and second mortgage through American Capital Financial. D.J. Davenport was our broker throughout the process. Obviously, nobody is excited about the prospect of digging up personal and financial information and dealing with the stress of analyzing your largest asset – even if it is to save money. But DJ made the process as smooth and painless as one could hope: he streamlined the process for gathering financial information (without a lot of follow-up requests); maintained contact and communication during the process (including underwriting and appraisal); made any appointments and the closing easy for my wife and I to attend; and had a very professional attitude about his work. He also secured us a fantastic rate and saved us a lot of money. Without hesitation, I would recommend DJ to friends and family. Indeed, I already have.
I refinanced with American Capital Financial, LLC this past summer and could not be more pleased with the service that I received from D.J. Davenport and his team. Every aspect of the refinance process was clearly explained and smoothly executed. I was pleasantly surprised by the amount of time and effort I did not have to spend on the process. Best of all, because of some delays on my part, D.J. had time to reprice the market on interest rates before we closed. To my surprise, DJ showed up at closing with a better rate because the market had changed again. It’s this kind of attention to detail that makes American Capital Financial a great option. They took care of the business at hand and took care of me.
Chris thanks to you we closed on our house last Friday. Just wanted to personally thank you for your hard work, a quality valued and quickly disappearing these days. I really appreciate the fast work and getting this done on your part. We will be sure to get a hold of you for any purchases in the future. Thanks for helping us out.
I would like to extend a sincere Thank You to the American Capital Financial Team for the worry free execution of our loan process and all around home buying experience. A special thanks to D.J. for contacting real estate agents on both sides to ensure timely action so closing would go seamlessly for us. You informed us every step of the way to keep us in comfort every time a snag come along. This is my fourth home purchase and you have by far, exceeded my expectations. I’m positive we will be working together again.
Working with Chris Coates, there were no surprises. Everything went according to plan, and we even closed two days early! Chris stayed ahead of the entire process, always keeping us informed, is professional, honest and a delight to work with. We were amazed at how smoothly and efficiently things went. Fantastic job Chris! We highly recommend any one looking to purchase a home, call Chris Coates at American Capital Financial.
I just recently bought a house and it was enough stress buying in these tough economic times but when I contacted DJ Davenport at American Capital Financial, a lot of my stress was gone. He was able to explain things to me in terms that I could understand and was always able to answer my questions. If I decide to buy again down the road, I will definitely go with American Capital Financial and would refer them to anyone I know!
Two things that I most appreciate when refinancing are people that I know can trust and will work in a very timely manner which is what I received on both closings with Amcapfin.
My husband and I recently refinanced our mortgage with DJ and American Capital Financial and would recommend both DJ and the company to anyone. We absolutely can’t thank DJ enough for everything he did for us throughout the process. From driving down to my husband’s job to pick up some documents to showing up at our closing, DJ continually went above and beyond. DJ took the time to walk through all of the loan documents with us prior to the closing and explained them in terms we could understand. We started recommending DJ and American Capital Financial to all of our friends and family after our very first meeting with him. The entire process was completely seamless and convenient for us. This company understands the meaning of customer service and truly takes the time and effort to provide it. My husband and I have been beyond thrilled with DJ’s services and will definitely use him again in the future!
Chris Coates at American Capital Financial is one of the most knowledgeable mortgage brokers I have ever met. When I originally starting talking with him I had some problems with my credit. Chris gave me advice to start fixing those problems and when I came back to him 3 years later he still had my file and was able to to get me refinanced with no problems. He takes the time to walk you through every aspect of your mortgage, all of the options available and is always available to answer any questions that arise. Chris keeps you informed during every step as to changes that go on with interest rates, where your paperwork is in the process or anything else that he feels needs to be communicated. I recommend him to everyone I come across that is looking at buying a house or refinancing.
Here is my story with American Capital Financial……I was referred to American Capital Financial by my trusted Realtor and at the end of the day trust, proved yet again, to deliver fantastic results. In January of 2009, I initiated conversation with the mortgage broker whom I originally went with to finance our home. My goal was to take advantage of low interest rates and refinance our existing home. My original mortgage broker’s quote was fair, however; American Capital Financial was patient and delivered a lower rate. The “close process” was seamless and we are saving over $300 a month!!! We are very thankful for our relationship with American Capital Financial and continue to refer friends and neighbors. We now have a trusted partner in the mortgage industry!!
After having an awful experience purchasing, and closing on my first home, I was hesitant in putting my faith and trust in a mortgage broker ever again. But with the rate environment that came in early 2008, I had to refinance, and found American Capital to stand out among their peers as a premiere mortgage broker. I worked with a fellow named Chris, who’s knowledge and experience was a comfort. He had a great feel for where the rates were heading and was there at the closing to help with any questions I had. I lowered my Mortgage Payment by a few hundred dollars, and I broke even on my loan in 3 months. I have recommended American Capital to several friends and family and all have had similar experiences, and those who could not refinance gained a tremendous amount of knowledge about the mortgage world and what the had to do to improve their specific situations. Thanks guys for all of your help, myself and my family appreciates it.
I have only praises for D.J. Davenport, and American Capital Financial, LLC. From day one, it was evident that D.J. truly cared about helping me become a first-time homeowner. He was attentive to my personal needs and financial goals. D.J. really worked hard to aid me in the right path to ownership. He was always available to field my questions, and to research options which would work best for me; His efforts were above and beyond my expectations. I felt confident working with D.J., trusted him one-hundred percent, and would recommend his services with tremendous approval.
American Capital Financial helped us save $500 a month with a great, unbeatable rate. Not only did we save money, the service we received was extraordinary. My husband and I do not have a lot of knowledge when it comes to options regarding our mortgage and American Capital Financial assisted us by explaining every little detail to assure we understood the loan we were getting into. D.J. Davenport was the gentleman that assisted us with our loan and not only was he patient and friendly, he advised us that if we were able to find a better loan to go with it. He was not pushy at all. This only proved to us that this company was all about helping people get the right loans to benefit themselves. We will, without a doubt, continue to work with American Capital Financial if in fact we decide to refinance in the future.
Chris has been absolutely a pleasure to work with! His knowledge and effective communication guided me through the refinancing process. Through countless hours and phone calls – Chris was kind, patient, and always informative. After a short time, Chris met my needs and got me the rate and monthly payment I was looking for. I’m pleased to recommend Chris and American Capital to my family and friends.
Working with American Capital Financial was the closest thing for us to a slam dunk in the mortgage business. From initial phone call to finish was about three weeks. We couldn’t even get our long time mortgage broker to return our phone calls in that time! They were knowledgeable, honest, efficient, very service oriented and fast!
Our experience with American Capital Financial was great! D.J. was very professional and went out of his way to ensure that they would find us a loan that suited our needs. The loan was approved and processed in the time we needed. They made it very convenient to sign the necessary documents and even had someone come out to our home after work to take care of the paperwork. This was not my first home loan, so I was very stressed about the closing. ACF made sure that my closing went very smooth. I would gladly recommend this mortgage company to anyone seeking a mortgage. Thank you ACF!
DJ and his staff at American Capital Financial have helped us twice with mortgage loans. My husband and I were treated with dignity and respect and everyone worked hard to get us the best deal possible. I am very pleased with the customer service; it’s why I went back to American Capital when I was ready to refinance. I would recommend this company to anyone searching for a mortgage loan.