"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 the rate and terms ..."
christopher stone
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.
First home, forever home, or jumbo estate — Derek Gonnerman shops 150+ lenders to find your best path forward, for purchases and refinances
DerekDerek Gonnerman · NMLS 2093379
One conversation. No application, no credit pull.
Tell Derek what you're trying to do. Derek takes it from there.
Start the conversation
You're in
Thanks, there. Derek has your details.
- Derek 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
Derek Gonnerman, NMLS #2093379
Licensed in Arizona, Colorado and 7 more
What happens next
Three Steps. No Pressure.
- 01
Tell Derek your goal
Share a few basics so Derek 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. Derek compares programs, pricing, and guidelines across them and highlights the options that fit you best.
- 03
You choose your path
Talk to Derek, get a written preapproval, or keep the numbers for now. Your call.
Proof
Borrowers Who Work with Derek
"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 person is really trying ..."
Rebekah Dare
"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 working with him. I ..."
Devan Mumford
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, Derek asks for your permission first and tells you whether it's a soft or hard inquiry.
No. Your details go to Derek and Xpert Home Lending's secure system so Derek 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 Derek 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 Derek has your income documents and your permission to run credit. If you're about to write an offer, say so and Derek will prioritize it.