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Derek Gonnerman

Clearing the path when others see a roadblock

Derek Gonnerman · Loan Officer

NMLS# 2093379

Call (720) 838-8631 Start Working with Derek
Derek Gonnerman

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Mortgage Advisor

Xpert Home Lending Inc.

NMLS# 2093379

(720) 838-8631
About

Meet Derek

First home, forever home, or jumbo estate — Derek Gonnerman shops 150+ lenders to find your best path forward, for purchases and refinances

Areas Served

AZ CO FL GA IN ND OK TN TX

Derek is a creative problem solver with a numbers brain — a Colorado native who has spent 15+ years in finance, first as a financial advisor, now as the founder of Rampart Home Loans.

That background shows in how he works: every pre-approval is fully underwritten up front, every loan is structured around the client's broader financial picture, and when other lenders see a roadblock, Derek's job is finding the path forward.

As an independent broker with 150+ lenders in his network, Derek shops the market instead of selling one bank's menu — which matters whether you're buying your first home in Greeley with 3% down or structuring a jumbo purchase in Fort Collins around self-employment income.

Clients get straight answers and constant communication.

Derek calls Windsor home with his life and loan partner, Sydney. Faith and family are at the center of everything they build.

Off the clock you'll find Derek on the ice playing hockey, serving at his church, out in the Colorado mountains, or traveling the world with his crew.

9 States Licensed
Derek's Advantage

Why choose Derek?
 
 
 
 

01

Speed That Sets Records

Xpert Home Lending Inc. consistently closes loans faster than the competition. A smoother process and happier clients.

02

Direct Access, Always

You work directly with your Xpert advisor and their team— no call centers, no runaround.

03

Proven Track Record

Thousands of successful closings backed by 5-star client reviews.

04

Hundreds of Options

Not all situations are Cookie Cutter. With over 150 possible lenders to match with your loan file, Derek is uniquely capable of finding the perfect fit for your unique situation.

Plan Your Purchase

Mortgage Payment Calculator
 
 

Payment Estimator Derek's Calculator
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Estimated Monthly Payment

$2,076

Principal & Interest $2,076
Loan Amount $320,000
Start Working with Derek

No obligation. Takes about 2 minutes.

Client Reviews

Real Reviews from Derek's Clients

"Derek is the best to work with. Typically I’ve used larger banks for my VA loans but this time I tried something different. The process was crazy smooth, Derek was on-top of it the entire time and ..."

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christopher stone
christopher stone 2026-10-14
Review

"This is my second time using Derek during my home buying process. Derek is my go to mortgage broker. He is quick to respond when I had questions and takes his time to explain the details when a ..."

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Rebekah Dare
Rebekah Dare 2026-08-28
Review

"Derek is the absolute best! That's why we've worked with him twice. He's repeatedly gone above and beyond the call of duty to help us close on any house we've purchased. Its been an absolute pleasure ..."

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Devan Mumford
Devan Mumford 2026-06-28
Review

"This is our second and (hopefully last) time working with Derek. It has been an absolute pleasure working with him. He's punctual, kind, works hard and has you in his best interest. We would 10/10 ..."

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Emily Mumford
Emily Mumford 2026-06-28
Review

"Going through the refinance process to buy out my spouse was honestly the easiest part of my separation, and that was all because of Derek. From the very first phone call, he asked what I wanted to ..."

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Brittney Emerson
Brittney Emerson 2026-05-28
Review

"Derek is the kind of lender you want in your corner. Incredible communication, confident without being pushy, and clearly knows the game inside and out. Clever, quick to respond, and made the whole ..."

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Cameron Goris
Cameron Goris 2026-05-28
Review

"Derek was SO helpful during our whole home buying process from start to finish. My husband has used him to purchase 3 homes and this was my first home purchase. We will continue using his services ..."

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Cheyenne Hayes
Cheyenne Hayes 2026-02-28
Review

"Derek and his team were fantastic to work with. As a first-time home owner, they were very thorough and helped with any questions we had."

Trevor Sok
Trevor Sok 2026-05-28
Review

"I recently purchased a home using a VA loan, and I had the pleasure of working with Derek Gonnerman as my loan officer. Derek was outstanding throughout the entire process. He took the time to ..."

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Justin Hollis
Justin Hollis 2025-10-28
Review
Loan Programs

Available programs

Conventional Loans FHA Loans VA Loans USDA Loans Jumbo Loans Reverse Mortgages Bank Statement Loans Non-QM Loans ITIN Loans Asset Utilization Loans HELOCs Down Payment Assistance Bridge Loans DSCR Loans Commercial Loans Hard Money Loans
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Derek

Derek Gonnerman

Mortgage Advisor

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