Your trusted mortgage partners in Colorado. We guide you through every step of your home financing journey with expertise, integrity, and personalized service.
20+ years combined experience
Efficient & streamlined process
Rated by satisfied clients
When you work with Tree Line Loan Team at Spire Financial, you can expect a top-notch experience from pre-approval through closing and beyond. Our mission is simple: make sure every borrower feels cared for, supported, and fully informed every step of the way.
Whether you’re a first-time homebuyer, a seasoned investor, or someone dreaming about a cabin with a view, we help you navigate the process with confidence and connection.
– Austin Beger & Adam Hothersall
We combine local expertise with personalized service to make your home financing journey smooth and stress-free
Every client gets our full attention. We take the time to understand your unique goals and craft solutions that fit your life.
We know the Colorado market inside and out. From mountain properties to urban homes, we've got you covered.
Clear communication, transparent pricing, and expert guidance from start to finish. No surprises, just results.
Use our calculator to get an estimate of your monthly mortgage payment. Contact us for a personalized quote.
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We offer a wide variety of loan programs to fit your unique needs. Whether you’re a first-time homebuyer or looking to refinance, we have options for you.
Traditional financing with competitive rates and flexible terms. Perfect for buyers with strong credit and stable income.
Government-backed loans with lower down payments, perfect for first-time buyers.
Exclusive benefits for veterans and service members with no down payment required.
Zero down payment options for rural and suburban homebuyers.
Financing for luxury properties and high-value homes above conventional limits.
Finance your home purchase and renovations together in one convenient loan.
We make the home buying process simple and straightforward. Here’s what you can expect when working with us.
We discuss your goals, review your financial situation, and determine the best loan options for you.
Get pre-approved to know your budget and show sellers you're a serious buyer.
We handle the paperwork, coordinate with all parties, and keep you updated throughout.
Sign the final documents, receive your keys, and celebrate your new home!
"As a first time home buyer, I questioned whether or not my lender would me on my side. Let me tell you that Austin worked on overtime to ensure that we had the best rates and lowest monthly payments that he could manage. He even helped in raising my credit score +100 points! Seriously, such a gem. Would absolutely recommend. Thank you Austin!"
Grace G.
,
"As being a first time home owner I am truly grateful for reaching out to Jess Orr and her team to help me buy my home. Jess is an amazing and proffessional person took care of everything that needed to be done especially when i had technology issues. I highly recommend for anyone who is looking into purchasing a home to give Jess and her team work for you to make the process easier. From the bottom of my heart Thank You!!"
cesar guadarrama
,
Based on 22 reviews | Average Rating: 5/5
Down payment requirements vary by loan type. Conventional loans typically require 3-20%, FHA loans require as little as 3.5%, VA and USDA loans may offer 0% down payment options for qualified buyers. Contact us to discuss which options work best for your situation.
Credit score requirements depend on the loan type. Generally, conventional loans require 620+, FHA loans may accept scores as low as 580 (or 500 with a larger down payment), and VA loans typically require 620+. We work with borrowers across the credit spectrum and can help find solutions.
The typical mortgage process takes 30-45 days from application to closing. However, this can vary based on the complexity of your situation, the loan type, and how quickly documentation is provided. We work diligently to ensure a smooth and efficient process.
Typically, you’ll need: recent pay stubs, W-2s from the past 2 years, bank statements, tax returns, identification, and information about your assets and debts. Self-employed borrowers may need additional documentation. We’ll provide a complete checklist when you apply.
Yes! Pre-approval gives you a clear budget, shows sellers you’re a serious buyer, and can strengthen your offer in competitive markets. It also helps identify any potential issues early so they can be addressed before you find your dream home.
Your trusted mortgage partners guiding you through every step of your home financing journey with expertise and personalized service.
V.I.P. Mortgage, Inc. | NMLS# n/a
Austin Beger NMLS# 2004656 | Adam Hothersall NMLS# 2521091
Licensed in: CA #CA-DFPI2004656 | CO #100524945 | FL #LO147531 | TX #2004656
Equal Housing Lender. This is not a commitment to lend or extend credit.
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