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Providing faster transactions with less hassle.

Announcement: Englewood Mortgage Company is now First Western Trust! Our dedicated team of seasoned mortgage experts has grown and our products and services have expanded. We can now offer a full suite of banking, investment, and wealth management services to complement your mortgage needs.

Often, financial institutions treat mortgages as no more than a transaction, but when you are dealing with something as important as your home, you need to partner with a company that prioritizes your goals for each dimension of your wealth. Whether you are buying a new house, refinancing, purchasing an investment property, or taking out equity for a new project, our mortgage consulting experts are here to make your mortgage lending experience as streamlined and pleasant as possible.

Our mortgage consulting experts sit down with you to learn about your objectives and your entire financial picture. With this understanding, we tailor our mortgage services to design a loan program that meets your particular needs. We offer adjustable- and fixed-rate mortgage options for new purchases or refinances with:

Leadership

Alan Schrum

Alan Schrum

As President, Residential Mortgage, Alan oversees the sales and service operations for First Western’s residential mortgage division across Colorado, Arizona, Wyoming, and California.

Loan Originators

Ann Heinz

Ann Heinz

As a senior loan originator, Ann works with clients, real estate agents, financial planners, and attorneys to find the best loan products to suit each individual’s needs.

Betsy Burns

Betsy Burns

Betsy guides borrowers through the mortgage process and uses the expertise from her more than 20 years in this profession to create a streamlined experience.

Bret Giuliani

Bret Giuliani

Bret is responsible for building and maintaining relationships with Northern Colorado clients by creating tailored solutions to help them achieve their lending goals.

Brian Shaver

Brian Shaver

As a loan originator, Brian is responsible for guiding the borrower through the mortgage process and creating a straightforward experience for all involved parties.

Bruce Mackenzie

Bruce Mackenzie

Bruce creates tailored solutions for borrowers lending needs. He has been in the commercial and residential real estate industry for nearly 40 years.

Cory Brown

Cory Brown

Cory has been thriving in the mortgage industry since 2003 and has taken on a variety of roles including account executive, processing, sales support, and office management.

Daniel Murphy

Daniel Murphy

Dan has been in the mortgage industry since 1991, where he has gained knowledge in every aspect of the industry including senior management operations, compliance, capital markets, training, and business development.

David Gruen

David Gruen

David is responsible for overseeing the mortgage process from start to finish and uses his 37 years of experience to find the best solutions to fit borrowers’ mortgage needs.

David Roth

David Roth

As mortgage loan originator, David is responsible for building and maintaining relationships with Colorado clients to help them meet their mortgage and lending goals.

Eric Sandefur

Eric Sandefur

Eric’s role as a loan originator is to advise borrowers of their financial circumstances and provide mortgage options to best suit their needs.

Evelyn Hitchcock

Evelyn Hitchcock

Evelyn is responsible for creating tailored mortgage solutions to fit each individual borrower’s needs and keeping them informed of the process along the way.

Hank Leines

Hank Leines

Hank’s responsibilities as a loan originator include evaluating financial situations and recommending mortgage solutions to align with the best interest of borrowers.

Jerry Dunn

Jerry Dunn

Jerry has been a mortgage loan originator for 36 years where he has had the opportunity to work with hundreds of borrowers and realtors through the mortgage process.

Jim Barnard

Jim Barnard

Jim has been a mortgage loan originator in Metro Denver since 1987, where he has assisted hundreds of families in achieving their goal of home ownership.

Justin Crowley

Justin Crowley

Justin leads the Northern Colorado Mortgage office where he is responsible for developing new client relationships and maintaining existing relationships.

Mary Feindt

Mary Feindt

Well known for her extensive lending knowledge, Mary has been guiding home buyers toward sound financial decisions for over 30 years.

Matthew Wiens

Matthew Wiens

With 20 years of experience as a loan originator, Matt is skilled in finding the best solutions for each borrowers’ mortgage needs.

Mo Robinson

Mo Robinson

With an always changing credit environment, Mo’s objective is to make sure the borrower is comfortable with the product, term, rate and conditions of the loan.

Nelson Howe

Nelson Howe

Nelson is responsible for guiding borrowers through the mortgage process and finding the best solutions for varying financial situations.

Nicole Ruspini

Nicole Ruspini

Nicole’s responsibilities as a loan originator include evaluation, recommendation, and assistance with Real Estate loans.

Philip Bartlett

Philip Bartlett

Phil is a senior loan originator and has been in his current role since 2011 and in the financial industry since 2004.

Rich MacKall

Rich MacKall

As a loan originator, Rich details the different types of loans and credit options that are available and keeps borrowers informed throughout the entirety of the mortgage process.

Rick Frandsen

Rick Frandsen

Rick has been a loan originator for 23 years where he has worked with some of the best realtors in the business and has the opportunity of serving thousands of wonderful customers.

Shannon Fengler

Shannon Fengler

Shannon ensures the borrower is able to get the best loan to fit their specific needs and oversees the loan from start to finish.

Tina Nga Nguyen

Tina Nga Nguyen

As a mortgage loan originator, Tina is responsible for building and maintaining relationships with clients to help them achieve their mortgage goals.

Your Mortgage Consulting Options

Jumbo mortgages are home loans most commonly designed for amounts over $417,000. While many mortgage consulting companies claim they can accommodate these loan amounts, it is important to work with a financial partner who knows how to work with complex financial pictures.

For those individuals and families who are buying or refinancing their home away from home, our mortgage consulting team can deliver competitive second-home mortgages options.

Investment properties have long been a popular method of getting secondary income or building a successful business. Our investment property mortgage options can be designed to help you finance one investment property or up to ten, 1-4 family financed properties.

As a first-time home buyer, it can be difficult to understand all of the in’s and out’s of the mortgage planning process. Our mortgage services team can help you with a first-time home buyer mortgage.

Conforming (also known as conventional) mortgages are typically limited to $417,000 for a single-family home. Our teams are happy to assist you in identifying the right mortgage option for your specific goals.

Interest only mortgages allow you to pay only the interest on your mortgage for a period of time, with your remaining interest and principal payments modified to an adjustable rate at the end of the term. These mortgages can be good fits for many individuals but they are not right for everyone. Talk to our teams today to see if interest only mortgages would support your financial needs.

Mortgage Planning with First Western Trust

After our mortgage consulting team has identified the right solutions for your needs, we are here to assist you throughout each step of the mortgage planning process.

We discuss all of the key documents that you will need and outline a timeline to ensure that all contractual deadlines are met in a timely manner.

Throughout the process, our mortgage services team keeps you informed of any milestone events so you are up-to-date each step of the way. When it’s time to close, we provide all closing figures at least 72 hours before the meeting, so that you are well prepared for your closing. This is all part of our commitment to delivering superior communication and client service.

Mortgage Planning Do’s and Don’ts

While you are in the process of securing your mortgage, we encourage you to consider the following recommendations:

Do's

Ask your real estate agent about the neighborhood of your potential new home, including nearby schools, shopping, home owners associations, property taxes, and more

Ensure that any issues or defects determined by the home inspector are corrected by the seller prior to purchasing your home25

Allow yourself time to go to the bank prior to the mortgage loan closing

Bring your closing funds in a bank wire or certified check form

Bring a valid photo ID with you to your mortgage loan closing

Don'ts

• Let anyone talk you into purchasing a home outside of your budget
• Incur any new debt
• Increase existing debt
• Change your employment
• Use funds you have saved for your down payment

For more suggestions, particularly for first-time home buyers, visit Bankrate.com.

Mortgage Service Experts

Our mortgage services team is made up of seasoned professionals in lending, underwriting, processing, and compliance.  With an average of more than 20 years providing mortgage services, our operations leadership has the experience to deliver a smooth, efficient underwriting process while our mortgage loan originators deliver a tailored client experience. With our expertise and mortgage options we have a solution for your lending needs. First Western Trust's commitment to your plans and experience make us a great partner to start your mortgage planning.

If you are interested in learning more about our mortgage services and our mortgage consulting team, we encourage you to visit our website at: www.myfwmortgage.com.

When was the last time you reviewed your mortgage loan program? Interest rates are on the rise, so now is a great time to review your mortgage options. To have one of our mortgage consulting experts contact you, submit the form below or call our main line at 303.531.8100.