First We Listen. Then We Lend.

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With over 16 years of experience, Ideal Home Loans is here to make the mortgage process much easier. Whether you’re buying or refinancing, our salaried Lending Specialists will walk you through the entire home loan process from beginning to end, determining which mortgage is right for you.

The Best Arizona & Colorado Mortgage Company

Here at Ideal Home Loans, we strive for perfection in all realms of our work. By eliminating the middle man and providing our clients with lower fees, lower rates, and faster closings, we guarantee an excellent level of service that is tailored to fit your individual needs. From start to finish, our experts will provide you with reliable, honest advice for all things mortgage-related. We have built a great reputation serving homeowners in Denver, Colorado and Arizona and are excited to put our expertise to work for you.

Why Work with Ideal Home Loans?

Save Money

Lending directly allows us to control the entire loan process in house. We're a direct mortgage banker, which provides you with lower fees, lower rates, and faster closings!

Lending directly allows us to control the entire loan process in house. We're a direct mortgage banker, which provides you with lower fees, lower rates, and faster closings!

Proven Track Record

We have been serving current homeowners and homebuyers since 2001. Don't take our word for it, hear what our clients have to say below!

We have been serving current homeowners and homebuyers since 2001. Don't take our word for it, hear what our clients have to say below!

Interest Rate Guarantee

You don't need to time the bottom of the market. If rates go down by 0.75% within two years of your home loan with us, we'll refinance your loan without any lender fees! 

You don't need to time the bottom of the market. If rates go down by 0.75% within two years of your home loan with us, we'll refinance your loan without any lender fees! 

Convenience

You control the loan process. We are local, so you can come to one of our local offices, you can handle everything online, or we’ll even come to you!

You control the loan process. We are local, so you can come to one of our local offices, you can handle everything online, or we’ll even come to you!

Home Loan Transparency

We give you your cost up front and guarantee it won't change. You pick the interest rate that works best for you. No surprises.



We give you your cost up front and guarantee it won't change. You pick the interest rate that works best for you. No surprises.



Salaried Lending Specialists

Our Lending Specialists are paid a salary, so you can be rest assured that when you call our office, there will be no high-pressure sales techniques. We will help design a home loan solution that works for you. 

Our Lending Specialists are paid a salary, so you can be rest assured that when you call our office, there will be no high-pressure sales techniques. We will help design a home loan solution that works for you. 

Client Reviews

This was by far the most professional, organized and simple home loan process we have ever been through. The staff was knowledgeable and thorough, and they...

Kris Barrow

5.0
2017-09-19T20:34:14+00:00

Kris Barrow

This was by far the most professional, organized and simple home loan process we have ever been through. The staff was knowledgeable and thorough, and they...
I think everyone did an amazing job. Quick and easy

Tracy Trujillo

5.0
2017-09-19T20:36:30+00:00

Tracy Trujillo

I think everyone did an amazing job. Quick and easy
Jim Sheehan and the person who closed us were awesome. They made it so easy. I would definitely recommend them to anyone.

Ryan Hamilton

5.0
2017-09-19T20:37:28+00:00

Ryan Hamilton

Jim Sheehan and the person who closed us were awesome. They made it so easy. I would definitely recommend them to anyone.
Louis and Jeff were very helpful and thorough.

Danielle Mejia

5.0
2017-10-11T19:45:41+00:00

Danielle Mejia

Louis and Jeff were very helpful and thorough.
Great Experience with Ideal Home Loans. Thank you.

Teresa Moore

5.0
2017-10-11T19:46:29+00:00

Teresa Moore

Great Experience with Ideal Home Loans. Thank you.
Quick, painless, very responsive process.

Lindsay Fleming

5.0
2017-10-11T19:47:15+00:00

Lindsay Fleming

Quick, painless, very responsive process.
Oh goodness, what an incredible team!. As a first time home buyer I didn't know much about the process. Patiently they explain it to me.. I have trusted them...

Dossou Kpanou

5.0
2017-10-11T19:47:36+00:00

Dossou Kpanou

Oh goodness, what an incredible team!. As a first time home buyer I didn't know much about the process. Patiently they explain it to me.. I have trusted them...
I have used Ideal Home Loans twice now and they have a customer for life. They made the process so easy, and quick. I had the opportunity to work with...

Jeff F.

5.0
2017-10-11T19:48:10+00:00

Jeff F.

I have used Ideal Home Loans twice now and they have a customer for life. They made the process so easy, and quick. I had the opportunity to work with...
Dan was very helpful and made the process very easy . i would use ideal again

Steve Engstrom

5.0
2017-10-11T19:48:36+00:00

Steve Engstrom

Dan was very helpful and made the process very easy . i would use ideal again
Jon was great at communicating the process, making us feel welcome and valued. The process went very smooth. Love that you can sign documents virtually to...

KJ Hagaman

5.0
2017-10-11T19:49:00+00:00

KJ Hagaman

Jon was great at communicating the process, making us feel welcome and valued. The process went very smooth. Love that you can sign documents virtually to...
Easy process, friendly people.

Denise Sauer

5.0
2017-10-11T19:49:25+00:00

Denise Sauer

Easy process, friendly people.
They did a fantastic job! They refinanced my house and consolidated my bills and were there for me every step of the way. Dan Dobinsky and Drew Lagrange were...

Jobita Bair

5.0
2017-10-11T19:49:49+00:00

Jobita Bair

They did a fantastic job! They refinanced my house and consolidated my bills and were there for me every step of the way. Dan Dobinsky and Drew Lagrange were...
What a wonderful experience!! We were very, very nervous about refinancing our home after being there for 15 years. Joel met with us and turned that fear...

Sam Meriweather

5.0
2017-10-11T19:50:13+00:00

Sam Meriweather

What a wonderful experience!! We were very, very nervous about refinancing our home after being there for 15 years. Joel met with us and turned that fear...
Working with Joel Barach was a great experience. We approached Joel in early January to prepare for our purchase with a goal of June to begin shopping...

jonathan walsh

5.0
2017-10-11T19:51:05+00:00

jonathan walsh

Working with Joel Barach was a great experience. We approached Joel in early January to prepare for our purchase with a goal of June to begin shopping...
The team at Ideal was amazing! working with our busy schedules and made the entire process easy. I was surprised at how quickly we were able to close.

Derrick Sova

5.0
2017-10-11T19:51:30+00:00

Derrick Sova

The team at Ideal was amazing! working with our busy schedules and made the entire process easy. I was surprised at how quickly we were able to close.
I worked with Ideal Home Loans on my new home loan in Denver, and they were nothing short of excellent in helping me step by step through the process. I met...

Brett Suder

5.0
2017-10-11T19:53:26+00:00

Brett Suder

I worked with Ideal Home Loans on my new home loan in Denver, and they were nothing short of excellent in helping me step by step through the process. I met...
Very impressed! I worked with Ideal Home Loans on my refinance last month, and they made it so easy. Walked me through step by step on the entire process and...

Skip Weller

5.0
2017-10-11T19:53:45+00:00

Skip Weller

Very impressed! I worked with Ideal Home Loans on my refinance last month, and they made it so easy. Walked me through step by step on the entire process and...
Ideal Home Lending has been excellent to work with!

Robert Timms

5.0
2017-10-11T19:54:05+00:00

Robert Timms

Ideal Home Lending has been excellent to work with!
Brent was so helpful in educating me on the process of getting a home loan. As a first time home buyer, I had a ton of questions; and Brent was there every...

Samantha Gurman

5.0
2017-10-11T19:54:30+00:00

Samantha Gurman

Brent was so helpful in educating me on the process of getting a home loan. As a first time home buyer, I had a ton of questions; and Brent was there every...
5.0
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Loans for Everyone

Conventional, FHA, VA, First Time Homebuyers, less than perfect credit, and more!

Custom Term Mortgage

Refinancing doesn’t mean hitting the reset button. With Ideal Home Loans’ Custom Term Mortgage, you can pay your house off as scheduled originally while taking advantage of lower interest rates and lower monthly payments along the way!

Three Week Closing Guarantee

Don’t get caught up in the bidding war and overpay for your next home. We can underwrite and approve your loan ahead of time. It’s like making a cash offer.

First Time Homebuyer

Our Ideal Home Purchase Plan is a road map to help you buy your first home. It’s free of charge, and has one goal in mind…to get you as much home for as little payment as possible each and every month.

Eliminate Your Mortgage Insurance

Mortgage Insurance protects the lender, not you the consumer. Home values are up and interest rates are down. Eliminating your Mortgage Insurance will save you hundreds every month!

Consolidate Debt

The average homeowner is carrying $17,000 in credit card debt. The average interest rate on credit card debt is over 15%. Refinance today to consolidate your debt. We routinely see people saving over a thousand dollars a month by consolidating their credit card debt.

Rent vs Own

Paying rent for the rest of your life isn’t the American Dream! For what you’re paying in rent, you could own a home of your own.

Reduce your biggest bill...your mortgage

A third of homeowners don’t know what their interest rate is on their current loan. Half could be saving with current rates. Grab your statement and give us a call. There is no charge to apply.

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