Loan programs · Colorado
DSCR loan officers in Colorado
As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Colorado whose lender pages show DSCR loan work. The top-ranked are Kirk Taylor (CrossCountry Mortgage, Naples), John Nguyen (Guild Mortgage, Boca Raton) and Jonathan Salinas (CrossCountry Mortgage, Memphis). 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 25
- 1
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- DSCR loan
- 1099 income
- Bank statement loan
- Self-employed
- Lists DSCR loan 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
- 2
John NguyenNMLS 389742
Guild Mortgage · Boca Raton, FL · licensed in 21 states
- DSCR loan
- 1099 income
- Bank statement loan
- Non-QM loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 3
Jonathan SalinasNMLS 2451140
CrossCountry Mortgage · Memphis, TN · licensed in 6 states
- DSCR loan
- Down payment assistance
- ITIN borrower
- Non-QM loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 4
Chad DroegNMLS 2291522
Xpert Home Lending · Mortgage broker · Denver, CO
- DSCR loan
- Down payment assistance
- FHA loan
- First-time buyer
- Lists DSCR loan 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
- 5
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- DSCR loan
- FHA loan
- HELOC
- Self-employed
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 6
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- DSCR loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 7
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- DSCR loan
- Asset-based qualifying
- Bank statement loan
- Real estate investor
- Lists DSCR loan 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
- 8
Shannon EneyNMLS 102972
Mutual of Omaha Mortgage · Henderson, NV · licensed in 2 states
- DSCR loan
- Real estate investor
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 9
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 2 states
- DSCR loan
- 1099 income
- Asset-based qualifying
- Bank statement loan
- Lists DSCR loan 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
- 10
Cory BlackburnNMLS 251419
Loan Factory · Mortgage broker · licensed in 4 states
- DSCR loan
- Condo
- Non-warrantable condo
- Vacation home
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 11
Charles DavisNMLS 1740379
Empire Home Loans · Mortgage broker · licensed in 5 states
- DSCR loan
- Bank statement loan
- Reverse mortgage
- Real estate investor
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 12
Nic BuccaNMLS 1086681
Lit Financial Corporation · licensed in 8 states
- DSCR loan
- Bank statement loan
- Jumbo loan
- HELOC
- Lists DSCR loan 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
- 13
Christopher GibsonNMLS 1910430
C2 Financial Corporation · Mortgage broker · Denver, WA · licensed in 3 states
- DSCR loan
- 1099 income
- Bank statement loan
- Manufactured home
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 14
Steve AndersonNMLS 1096829
Lit Financial Corporation · licensed in 12 states
- DSCR loan
- Bank statement loan
- HELOC
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 15
Chad MayerNMLS 280921
Guild Mortgage · Scottsdale, AZ · licensed in 12 states
- DSCR loan
- Bank statement loan
- Non-QM loan
- First-time buyer
- Lists DSCR loan 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
Kyle BrunetNMLS 1237678
Lit Financial Corporation · licensed in 9 states
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 17
Tony DinhNMLS 281092
Loan Factory · Mortgage broker · Houston, TX · licensed in 2 states
- DSCR loan
- Non-QM loan
- Real estate investor
- Self-employed
- Lists DSCR loan 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
Susan van de PollNMLS 831038
Xpert Home Lending · Mortgage broker · Colorado · licensed in 4 states
- DSCR loan
- FHA loan
- Jumbo loan
- VA loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 3 years licensed
- 19
Jeri ShoopNMLS 224331
Xpert Home Lending · Mortgage broker · licensed in 4 states
- DSCR loan
- Self-employed
- VA loan
- Asset-based qualifying
- Lists DSCR loan 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
Sam BromleyNMLS 1151654
Xpert Home Lending · Mortgage broker · licensed in 10 states
- DSCR loan
- VA loan
- Real estate investor
- Asset-based qualifying
- Lists DSCR loan 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
- 21
Timothy LaingNMLS 292567
Xpert Home Lending · Mortgage broker · Colorado
- DSCR loan
- First-time buyer
- Real estate investor
- FHA loan
- Lists DSCR loan 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)
- 22
Henry DoNMLS 1863960
Lit Financial Corporation · licensed in 7 states
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 23
Debbie LaneyNMLS 228108
Xpert Home Lending · Mortgage broker · Colorado
- DSCR loan
- FHA loan
- Jumbo loan
- VA loan
- Lists DSCR loan 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
- 24
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- DSCR loan
- First-time buyer
- Jumbo loan
- Real estate investor
- Lists DSCR loan 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
- 25
Kevin RollerNMLS 250375
LeaderOne Financial · Overland Park, KS · licensed in 43 states
- DSCR loan
- Non-QM loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.
- What minimum DSCR do you require, and how do you calculate rent?
- Can I close in an LLC?
- What prepayment penalty options do you offer?
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=dscr&state=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.