"Megan is the best lender I’ve worked with. Her dedication, knowledge, professionalism, and creative problem-solving are unmatched. As a realtor, I feel confident recommending her to clients every time. She is ..."
Luisa Guercini
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 help buyers in Colorado find the loan that fits. I'll tell you plainly when a loan doesn't make sense.
MeganMegan Thoms · NMLS 1532626
One conversation. No application, no credit pull.
Tell Megan what you're trying to do. Megan takes it from there.
Start the conversation
You're in
Thanks, there. Megan has your details.
- Megan 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
Megan Thoms, NMLS #1532626
Licensed in Colorado, New Mexico and 1 more
What happens next
Three Steps. No Pressure.
- 01
Tell Megan your goal
Share a few basics so Megan 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. Megan compares programs, pricing, and guidelines across them and highlights the options that fit you best.
- 03
You choose your path
Talk to Megan, get a written preapproval, or keep the numbers for now. Your call.
Proof
Borrowers Who Work with Megan
"Megan is the person every woman wants by her side when buying a house. She answers all texts and calls nomatter what time it is and if she doesn't have the answer will definitely find it. Thank you sooo much for ..."
Kaylee Ledford
"If I could put six stars we would, start to finish Megan was professional, responsive and helpful. Can't say the same for our own agent or the title company but Megan was the glue that kept this deal alive. She was ..."
Eric Jackson
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, Megan asks for your permission first and tells you whether it's a soft or hard inquiry.
No. Your details go to Megan and Xpert Home Lending's secure system so Megan 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 Megan 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 Megan has your income documents and your permission to run credit. If you're about to write an offer, say so and Megan will prioritize it.