---
canonical_url: https://lendb.ai/s/asset-based/colorado
last_verified: 2026-10-09
---

# Loan officers for borrowers who qualify on assets in Colorado

As of 2026-10-09, LenDb lists 14 loan officers licensed in or based in Colorado whose lender pages show Asset-based qualifying work. The top-ranked are Tony Dinh (Loan Factory, Houston), Susan van de Poll (Xpert Home Lending) and Jeri Shoop (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Tony Dinh](https://lendb.ai/lo/tony-dinh-281092)** (NMLS 281092), Loan Factory, Houston, TX
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100010549), verified 2026-10-09
   - Licensed since 2006 (per Colorado records)
2. **[Susan van de Poll](https://lendb.ai/lo/susan-van-de-poll-831038)** (NMLS 831038), Xpert Home Lending, CO
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Office in Colorado
   - Licensed in CO: confirmed with the Colorado regulator (license 100008071), verified 2026-10-09
   - Licensed since 2006 (per Colorado records)
3. **[Jeri Shoop](https://lendb.ai/lo/jeri-shoop-224331)** (NMLS 224331), Xpert Home Lending
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100017657), verified 2026-10-09
   - Licensed since 2007 (per Colorado records)
4. **[Rachel Stevens](https://lendb.ai/lo/rachel-stevens-831678)** (NMLS 831678), Xpert Home Lending
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100513719), verified 2026-10-09
   - Licensed since 2019 (per Colorado records)
5. **[Alex Heath](https://lendb.ai/lo/alex-heath-290072)** (NMLS 290072), Xpert Home Lending
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100028725), verified 2026-10-09
   - Licensed since 2009 (per Colorado records)
6. **[Timothy Laing](https://lendb.ai/lo/timothy-laing-292567)** (NMLS 292567), Xpert Home Lending, CO
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Office in Colorado
   - Licensed in CO: confirmed with the Colorado regulator (license 100020525), verified 2026-10-09
   - Licensed since 2007 (per Colorado records)
   - States 25 years of experience (lender page, 2026-10-09)
7. **[Gerri Pelto](https://lendb.ai/lo/gerriann-pelto-1271595)** (NMLS 1271595), Homeowners Financial Group, Westminster, CO
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Office in Westminster, CO
   - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
8. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 17 years of experience (lender page, 2026-10-09)
9. **[William Commons](https://lendb.ai/lo/william-commons-79745)** (NMLS 79745), Assurance Financial, Baton Rouge, LA
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100513438), verified 2026-10-09
   - Licensed since 2019 (per Colorado records)
10. **[Matthew Hager](https://lendb.ai/lo/matthew-hager-1906682)** (NMLS 1906682), Xpert Home Lending
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100526503), verified 2026-10-09
   - Licensed since 2021 (per Colorado records)
11. **[Michelle Krusmark](https://lendb.ai/lo/michelle-krusmark-2717683)** (NMLS 2717683), Xpert Home Lending
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100542682), verified 2026-10-09
   - Licensed since 2025 (per Colorado records)
12. **[Debbie Laney](https://lendb.ai/lo/debbie-laney-228108)** (NMLS 228108), Xpert Home Lending, CO
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Office in Colorado
   - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
13. **[Sam Bromley](https://lendb.ai/lo/samuel-bromley-1151654)** (NMLS 1151654), Xpert Home Lending
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
14. **[Bonnie Nieto](https://lendb.ai/lo/bonnie-nieto-2751300)** (NMLS 2751300), Xpert Home Lending, CO
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Office in Colorado
   - Licensed in CO: confirmed with the Colorado regulator (license 100543740), verified 2026-10-09
   - Licensed since 2025 (per Colorado records)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/asset-based/colorado.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._