"Denise is a mortgage guru! She definitely know the best route to take to meet your mortgage goals and makes it so easy."
Hollie
The Right Mortgage Is Simpler Than You Think.
Finding the right loan doesn't have to be complicated. Whether you're buying your first home, refinancing, or exploring your options, the process starts with one conversation, and the right guidance makes all the difference. We match you with the mortgage product and terms that fit your goals, your budget, and your life.
I've spent 40+ years helping buyers in Colorado find the loan that fits. I'll tell you plainly when a loan doesn't make sense.
DeniseDenise Wilts · NMLS 1793715
One conversation. No application, no credit pull.
Tell Denise what you're trying to do. Denise takes it from there.
Start the conversation
You're in
Thanks, there. Denise has your details.
- Denise reaches out personally, usually the same business day.
- You'll walk through the programs that fit your goal and see real numbers.
- You decide the next step: a written preapproval, a call, or keep the numbers for now.
Xpert Home Lending, Inc.NMLS #2179191Equal Housing Lender
Denise Wilts, NMLS #1793715
Licensed in Colorado, Georgia and 6 more
What happens next
Three Steps. No Pressure.
- 01
Tell Denise your goal
Share a few basics so Denise understands your timeline and budget. That's the whole form.
- 02
We match programs across our lender network
Xpert works with a large network of lenders. Denise compares programs, pricing, and guidelines across them and highlights the options that fit you best.
- 03
You choose your path
Talk to Denise, get a written preapproval, or keep the numbers for now. Your call.
Proof
Borrowers Who Work with Denise
"I've known Denise and her family for many years, but this was the first time I used her brokerage services with this last family home search and purchase. She provided a great deal of quality advice and guidance and ..."
Ben Drake
"So amazing to work with denise wilts. every time she has worked with me she has went above and beyond. And as well as her team very diligent , responsive , working in a timely matter to close the loan on suggested ..."
R T
Before you fill out the form
The Questions That Stop People.
No. Sending this form doesn't touch your credit. If you decide to move toward a preapproval, Denise asks for your permission first and tells you whether it's a soft or hard inquiry.
No. Your details go to Denise and Xpert Home Lending's secure system so Denise can follow up with you. We don't sell or rent your information to third parties. The privacy policy in the footer spells out exactly how it's used.
A bank can only offer its own programs. Xpert Home Lending works with a large network of lenders, so Denise can compare programs, pricing, and guidelines across many of them and show you the options side by side. One conversation, many options, and you choose.
Often within one business day once Denise has your income documents and your permission to run credit. If you're about to write an offer, say so and Denise will prioritize it.