Convenient Mobile Mortgage App

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20 Years in Colorado

20+ years in Colorado and looking forward to 20 more.  We’ve been providing home loans for over twenty years! Banner Mortgage is a division of Universal Lending, who has been a local lender for over 30 years. We share this with you so you can take comfort in knowing that we are backed by an established lender and are not an “overnight lender” with no history or ties to the Colorado community.

USDA Rural Housing Specialists

USDA Rural Housing Loans have many nuances and requirements that other home loans do not have. Working with inexperienced lenders could cost you time and ultimately money. Work with us, we are highly experienced in USDA Loans and can help make financing your home an easy, worry free process.

Why Banner Mortgage?

Changing the way you get a mortgage. You’re not just another number to us. You are a person trusting us with possibly the biggest financial investment you will make and that means a lot. Banner Mortgage offers personalized care and guidance throughout the entire home loan process. You don’t become part of the herd, you become part of our family.

Family First

Your family is important. Trusting Banner Mortgage as your lender means you understand that we are looking out for you and your family’s best interest. You can trust that the home loan you secure from Banner Mortgage will be comfortable for your family’s financial situation, and won’t put you in a financial pinch.

Locally Owned & Operated

Trust a locally-owned and operated lender. We’ve been serving Colorado for over 20 years and have earned the repeat business of 90% of our clients. That tells us to keep providing the same quality customer care and service for years to come.

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What We Offer


Banner Mortgage is a local lender who has been providing residential home loans to those in Colorado for over 20+ years! We pride ourselves on the care we provide to our clients throughout the entire home buying process. You are not just another number to us. Banner Mortgage offers personalized customer service and a standard of care that is unmatched by any of our competitors. To us, you’re not just another number or a pay day–we care about you and ensuring we help you into the best home that makes sense for your family and financial goals.
Our mission is to provide premium care, customer service and expertise to anyone looking to finance a residence or second residence in Colorado. We are highly knowledgeable in all loan programs offered in Colorado and specialize in USDA Rural home loans and VA Jumbo loans. We aim to have each client’s expectations exceeded, and to have them excited to refer us to their family and friends.
At Banner Mortgage we strive to create a culture of caring, and community. We volunteer, teach educational classes and donate over $10,000 a year to non-profits to try to do our part and give back to the community. The Banner Mortgage team understands that by truly caring about our clients, and the end result for them is the only way to truly build a successful business. By caring about our clients, we care about their communities and do everything we can to make sure we contribute to the things they care about.
  • First Time Homebuyers 50% 50%
  • Referred Clients 75% 75%
  • Other 80% 80%

How We Can Help You

VA Jumbo Loans

Banner Mortgage is a leading provider in VA Jumbo loans in Colorado. Our expertise in the details of the VA Jumbo lending program ensures that you will enjoy a seamless process with no time delays or hiccups surprises.

FHA 203K Renovation Loans

The FHA 203k Renovation Loan and HomeStyle Renovation loan are great loan options for borrowers buying homes that need a little TLC. These loan programs are setup to include the cost of renovations in your monthly mortgage so that you can get started are making those much needed renovations immediately. This is a great option for those who are able to move into homes that aren’t exactly move-in ready.

USDA Rural Housing Loans

Banner Mortgage is a leading provider of USDA Rural Housing Loans. There are a number of intricacies involved with rural housing lending, and working with an inexperiened lender or mortgage specialist could potentially lead to excessive time processing your loan, a continual request for documents that you were not notified to provide initially–delaying your closing by a substantial amount of time. It’s best to go with a an experienced USDA Rural Housing specialist in Colorado.

Why USDA Rural Housing Loans?

USDA Rural Housing Loans are loans specifically formulated for those living outside of greater metro areas and provide looser lending guidelines, making these loans more attainable. Specifically, the program doesn’t have a minimum credit score requirement and medical collections do not have to be paid. Read more about USDA Rural Loans here.

Frequently Asked Questions

Whether you’re a First Time Homebuyer, or a seasoned vet there are always certain questions that pop up with regards to the home loan lending process. Banner Mortgage loves helping! If you don’t see an answer to your question, please feel free to ask here!

What kind of clients do you work with?
Banner Mortgage works with all types of borrowers but we specialize in USDA Rural Housing Loans, VA Jumbo Loans and First Time Homebuyer loans in Colorado.
What is your turn around time?
Banner Mortgage aims for the fastest turn around times possible and can provide rush services when necessary but we typically average a 30-45 day turnaround. A variety of factors affect turnaround time including how quickly borrowers can obtain and turnover the required documents, and any additional documents that Underwriting may request once the loan is being reviewed for approval.
Do you work with First Time Homebuyers?
At Banner Mortgage we absolutely love working with First Time Homebuyers! Part of our mission is to provide the highest quality of customer service to each borrower. What that means to us is ensuring you as the borrower understand each facet of your loan, including what each of the fees are, the terms of the loan and what each disclosure document means. Our biggest goal is to ensure our First Time Homebuyers are 100% comfortable with the terms of the loan, and that they understand each facet of it.
I have told you more than once you are the reason we have continued to use your services. If we need you in the future for mortgage stuff you can depend on us using your company.  Thanks Again and we too are blessed to have people like you in our life. PS. We will refer you to others if the opportunity arises.

Satisfied Borrower

Lisa is extremely knowledgeable and had unlimited patience with us and our many questions relating to our VA loan. We would definitely recommend her to everyone as she was very personable and made us feel like part of her family.  She is very efficient and we did not feel like an excessive amount of paperwork was required during our loan process. Lisa kept us up to date on an almost daily basis with our loan progress and our loan was actually closed a lot earlier than we were expecting due to her personal attention to detail. We have been through the loan process before and it was such a horrible experience with all of the hoops we had to jump through that we were not looking forward to going through it again. However, we can honestly say that this was a very painless process and we were pleasantly surprised at how few additional documents were requested. We kept expecting to have to come up with a lot more documentation, especially at the last minute, but it never happened. Everything just fell into place and it was so easy and non-stressful for us. When we sell this home to move onto our next investment, we will not feel a sense of dread that we have to finance another home because we will of course call Lisa.
Charlie & Sandy Axt

VA Home Loan Borrowers

Ideal service and personal attention. Lisa was great to work with, and helped us get the money we needed to make changes in our home. She truly knew what we needed, and how to get the funding together. Thanks again Lisa.
Scott Willis

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