Borrower situations · Colorado
Loan officers for borrowers who qualify on assets in Colorado
As of 2026-10-09, LenDb lists 23 loan officers licensed in or based in Colorado whose lender pages show Asset-based qualifying work. The top-ranked are Eric Gasper (CrossCountry Mortgage, Mineola), Lori Richardson (Guild Mortgage, Centennial) and Steve Crossman (CrossCountry Mortgage, McKinney). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 23
- 1
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 2 states
- Asset-based qualifying
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 2
Lori RichardsonNMLS 272264
Guild Mortgage · Centennial, CO
- Asset-based qualifying
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 34 years experience (stated on lender page, 2026-10-09)
- 3
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Real estate investor
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 4
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 2 states
- Asset-based qualifying
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 5
Melanie HennNMLS 206264
Fairway Independent Mortgage Corporation · Colorado Springs, CO · licensed in 3 states
- Asset-based qualifying
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 6
Gerri PeltoNMLS 1271595
Homeowners Financial Group · Westminster, CO · licensed in 3 states
- Asset-based qualifying
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 0 years licensed
- 7
Susan van de PollNMLS 831038
Xpert Home Lending · Colorado · licensed in 4 states
- Asset-based qualifying
- FHA loan
- Jumbo loan
- VA loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 3 years licensed
- 8
Rachel StevensNMLS 831678
Xpert Home Lending · licensed in 3 states
- Asset-based qualifying
- First-time buyer
- Jumbo loan
- Self-employed
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 9
Sam BromleyNMLS 1151654
Xpert Home Lending · licensed in 10 states
- Asset-based qualifying
- VA loan
- Real estate investor
- Bank statement loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 10
Charissa CruzNMLS 246806
Guild Mortgage · Greenwood Village, CO
- Asset-based qualifying
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 11
Timothy LaingNMLS 292567
Xpert Home Lending · Colorado
- Asset-based qualifying
- First-time buyer
- Real estate investor
- FHA loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 25 years experience (stated on lender page, 2026-10-09)
- 12
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Asset-based qualifying
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Debbie LaneyNMLS 228108
Xpert Home Lending · Colorado
- Asset-based qualifying
- FHA loan
- Jumbo loan
- VA loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 14
William CommonsNMLS 79745
Assurance Financial · Baton Rouge, LA · licensed in 36 states
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 15
Jeri ShoopNMLS 224331
Xpert Home Lending · licensed in 4 states
- Asset-based qualifying
- Self-employed
- VA loan
- DSCR loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
Alex HeathNMLS 290072
Xpert Home Lending · licensed in 3 states
- Asset-based qualifying
- First-time buyer
- Real estate investor
- Reverse mortgage
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 17
Matthew HagerNMLS 1906682
Xpert Home Lending · licensed in 4 states
- Asset-based qualifying
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 18
Michelle KrusmarkNMLS 2717683
Xpert Home Lending · licensed in 3 states
- Asset-based qualifying
- Down payment assistance
- FHA loan
- HELOC
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Tony DinhNMLS 281092
Loan Factory · Houston, TX · licensed in 2 states
- Asset-based qualifying
- DSCR loan
- Non-QM loan
- Real estate investor
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 20
Sharif BasetNMLS 2820377
Loan Factory · Duluth, GA · licensed in 12 states
- Asset-based qualifying
- DSCR loan
- FHA loan
- Foreign national
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 21
Ravi K BansalNMLS 2840451
Loan Factory · Seattle, WA · licensed in 19 states
- Asset-based qualifying
- Real estate investor
- Bank statement loan
- Construction loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 22
Laurent OsheaNMLS 1034023
Loan Factory · licensed in 7 states
- Asset-based qualifying
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 23
Bonnie NietoNMLS 2751300
Xpert Home Lending · Colorado
- Asset-based qualifying
- FHA loan
- Jumbo loan
- Reverse mortgage
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
Before you choose
Which accounts count, at what percentage, and over what term differs across lenders and programs.
- Which accounts count toward asset qualifying, and at what percentage?
- How do you calculate monthly income from my assets?
- Is this an agency or a non-QM program?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in CO or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=asset-based&state=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.