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Judy Shultheiss

Mortgage Loan Officer
NMLS # 1702347
CO MLO # 100510066

judy@mtgnavigators.com

(720) 676-6817

(303) 881-5514

(303) 496-0919

My Story


My clients tell me I offer a transparent , no-nonsense approach to giving them all of the facts they need in order to make an educated financial decision that will meet their long term goals.

For conforming mortgages, I am able to recommend Conventional, FHA, and USDA loans, depending on your home preference and financial situation.

I have extensive knowledge of non-QM (Non-qualifying) alternative loans that help you if you are an investor with one or more rental properties, a client who is self-employed, or a client who has a lot of assets, with less monthly income to obtain a mortgage. When you have been declined by one or more lenders, I often have found a way to approve and close a loan with one of our other lenders. If you are not able to qualify for a loan today, I will create a plan to show you what you need to do to be eligible as soon as possible.

If you are over the age of 62, I can help you navigate the benefits of Home Equity Conversion Mortgages (HECM), also known as Reverse Mortgages to help them gain the necessary income to help you retire well. There are a lot of facts that are often overlooked that are extremely beneficial.

I have 6 years experience processing hundreds of loans, 4 years as a Mortgage Loan Originator, 15 years as an Insurance Agent, and 4 years as a tax preparer. I have a unique ability to see how all of these industries relate to each other to offer loans that best meet your financial goals with the least amount of interest, tax and insurance expense.

Judy Shultheiss