---
canonical_url: https://lendb.ai/s/first-time-buyer/colorado
last_verified: 2026-10-10
---

# Loan officers for first-time buyers in Colorado

As of 2026-10-10, LenDb lists 104 loan officers licensed in or based in Colorado whose lender pages show First-time buyer work. The top-ranked are Dan Conner (Guild Mortgage, Greenwood Village), Stacy Fridal (Guild Mortgage, Fort Collins) and Rebecca B. Hansen (Guild Mortgage, Centennial). 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. **[Dan Conner](https://lendb.ai/lo/daniel-conner-275929)** (NMLS 275929), Guild Mortgage, Greenwood Village, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Greenwood Village, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100018919), verified 2026-10-10
   - Earliest state license record: September 14, 2007 (Colorado), per state regulator
   - States 30 years of experience (lender page, 2026-10-09)
2. **[Stacy Fridal](https://lendb.ai/lo/stacy-fridal-289577)** (NMLS 289577), Guild Mortgage, Fort Collins, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Fort Collins, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100026414), verified 2026-10-10
   - Earliest state license record: October 6, 2008 (Colorado), per state regulator
   - States 30 years of experience (lender page, 2026-10-09)
3. **[Rebecca B. Hansen](https://lendb.ai/lo/rebecca-b-hansen-319830)** (NMLS 319830), Guild Mortgage, Centennial, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Centennial, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100017951), verified 2026-10-10
   - Earliest state license record: August 13, 2007 (Colorado), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
4. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Colorado Springs, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100012861), verified 2026-10-10
   - Earliest state license record: January 25, 2007 (Colorado), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
5. **[Aubrey Poulson](https://lendb.ai/lo/aubrey-poulson-631654)** (NMLS 631654), Guild Mortgage, Grand Junction, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Grand Junction, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100036363), verified 2026-10-10
   - Earliest state license record: July 14, 2011 (Colorado), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
6. **[Troy Baldwin](https://lendb.ai/lo/troy-baldwin-2152192)** (NMLS 2152192), Guild Mortgage, Fort Collins, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Fort Collins, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100525094), verified 2026-10-10
   - Earliest state license record: June 15, 2021 (Colorado), per state regulator
   - States 30 years of experience (lender page, 2026-10-09)
7. **[John Harfert](https://lendb.ai/lo/john-harfert-300911)** (NMLS 300911), Loan Factory, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Colorado
   - Licensed in CO: confirmed with the Colorado regulator (license 100009706), verified 2026-10-10
   - Earliest state license record: December 7, 2006 (Colorado), per state regulator
   - States 24 years of experience (lender page, 2026-10-09)
8. **[Torrie Barr](https://lendb.ai/lo/torrie-barr-401213)** (NMLS 401213), Guild Mortgage, Fort Collins, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Fort Collins, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100034846), verified 2026-10-10
   - Earliest state license record: March 7, 2011 (Colorado), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
9. **[Cheri West](https://lendb.ai/lo/cheri-west-501323)** (NMLS 501323), Guild Mortgage, Centennial, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Centennial, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100036512), verified 2026-10-10
   - Earliest state license record: July 29, 2011 (Colorado), per state regulator
10. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100520171), verified 2026-10-10
   - Earliest state license record: November 9, 2020 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
11. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100535023), verified 2026-10-10
   - Earliest state license record: October 17, 2022 (Colorado), per state regulator
   - States 23 years of experience (lender page, 2026-10-09)
12. **[Amber Page](https://lendb.ai/lo/amber-page-229184)** (NMLS 229184), Evergreen Home Loans, Silverdale, WA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100538511), verified 2026-10-10
   - Earliest state license record: April 13, 2023 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
13. **[Scott Shafman](https://lendb.ai/lo/scott-shafman-243704)** (NMLS 243704), Guild Mortgage, Chesterfield, MO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100541120), verified 2026-10-10
   - Earliest state license record: October 27, 2021 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
14. **[Daniel Patrick Nacarato](https://lendb.ai/lo/daniel-nacarato-247584)** (NMLS 247584), Barrett Financial Group, Chandler, AZ
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100526378), verified 2026-10-10
   - Earliest state license record: August 10, 2021 (Colorado), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
15. **[Stephanie O'Farrell](https://lendb.ai/lo/stephanie-o-farrell-95809)** (NMLS 95809), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100514851), verified 2026-10-10
   - Earliest state license record: August 25, 2011 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
16. **[Kim Shuey](https://lendb.ai/lo/kimberly-shuey-410338)** (NMLS 410338), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100512824), verified 2026-10-10
   - Earliest state license record: September 17, 2018 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
17. **[Lisa Cummings](https://lendb.ai/lo/lisa-cummings-199679)** (NMLS 199679), Fairway Independent Mortgage Corporation, Albuquerque, NM
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100016844), verified 2026-10-10
   - Earliest state license record: June 23, 2007 (Colorado), per state regulator
18. **[Carla Marchetti](https://lendb.ai/lo/carla-marchetti-993397)** (NMLS 993397), Guild Mortgage, Overland Park, KS
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100538621), verified 2026-10-10
   - Earliest state license record: February 13, 2024 (Florida), per state regulator
   - States 19 years of experience (lender page, 2026-10-09)
19. **[Shawn Garner](https://lendb.ai/lo/shawn-garner-1035302)** (NMLS 1035302), Guild Mortgage, Centennial, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Centennial, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100045411), verified 2026-10-10
   - Earliest state license record: July 10, 2013 (Colorado), per state regulator
20. **[Craig Cusick](https://lendb.ai/lo/craig-cusick-210381)** (NMLS 210381), Fairway Independent Mortgage Corporation, Phoenix, AZ
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100537711), verified 2026-10-10
   - Earliest state license record: June 15, 2021 (Florida), per state regulator
   - States 17 years of experience (lender page, 2026-10-09)
21. **[Andrea Eggleton](https://lendb.ai/lo/andrea-eggleton-1122404)** (NMLS 1122404), Intercap Lending, Cottonwood Heights, UT
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100517899), verified 2026-10-10
   - Earliest state license record: July 8, 2020 (Colorado), per state regulator
   - States 17 years of experience (lender page, 2026-10-09)
22. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100517687), verified 2026-10-10
   - Earliest state license record: May 11, 2017 (Florida), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
23. **[Jenn Gawenda](https://lendb.ai/lo/jennifer-gawenda-755952)** (NMLS 755952), Guild Mortgage, Aurora, IL
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100509981), verified 2026-10-10
   - Earliest state license record: February 8, 2018 (Colorado), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
24. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100514612), verified 2026-10-10
   - Earliest state license record: June 28, 2019 (Florida), per state regulator
   - States 15 years of experience (lender page, 2026-10-09)
25. **[Jamie Laskie](https://lendb.ai/lo/jamie-laskie-1641628)** (NMLS 1641628), Guild Mortgage, Fort Collins, CO
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Fort Collins, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100508812), verified 2026-10-10
   - Earliest state license record: September 28, 2017 (Colorado), per state regulator

## Questions to ask

- Which low down payment programs fit my situation?
- Am I eligible for any first-time buyer assistance here?
- What will my total cash to close be?

Cite as: LenDb.ai, https://lendb.ai/s/first-time-buyer/colorado.

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