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

Kassandra WG Avatar

Our home is one of our most valuable possessions, aside from our family! As you can imagine, trusting anyone with it is... read more

Kassandra WG 5/02/2018
April Apodaca Avatar

Our experience working with Ideal Homes to refinance our home was excellent. Erica was a joy to work with. Both... read more

April Apodaca 8/01/2018
Brynn Jensen Avatar

Wow! Erika is fantastic! She helped me and my daughter with a super quick relocation to Denver. Without Erika’s knowledge and personal... read more

Brynn Jensen 7/30/2018

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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