Hello, thank you for wanting to know more about me.  My name is Toni Ann Brock and as an individual, I am a Colorado Licensed Mortgage Loan Originator, NMLS ID 1952750.  Administratively, I created Home Mortgage, LLC as a business entity to purely provide compensation and human resources to facilitate compliance; Home Mortgage, LLC is not a licensed mortgage entity with the NMLS, it is registered with the State of Colorado and with the IRS for tax reporting purposes.  Through this administrative arrangement, I originate loans through LoanSmart, LLC NMLS ID 1013945.  I have over 30 years of mortgage and real estate experience having worked primarily in Colorado, but also in Houston, Texas and Chicago, Illinois.

My mission is serving customers with honesty, integrity, and competence.  My goal is to provide home loans using current technologies to ensure customer ease and confidentiality while providing the lowest interest rates and closing costs possible. Furthermore, it is my commitment to assist borrowers overcome roadblocks that can arise while securing a loan in the most secure and confidential environment. To additionally understand my commitment to serving you, please check out the Licensing section.

I have worked in every facet of the loan process, from origination, processing, underwriting, closing, policies & procedures, management and as a borrower.  I understand you may have hesitancy not knowing how your specific circumstance may affect acquiring a mortgage loan. Knowledge is the answer.  Accordingly, I can assist you with that and this website is geared to that end.  Please check out the extensive information supplied in the Resources section.

Working together, we can succeed.  I have worked with challenging issues in all the facets of the mortgage process relating to credit, income, employment, property, and assets.  As we overcome arising challenges, I can assist you, with confidence, in determining your mortgage eligibility to secure a mortgage, should it be your first home purchase, a refinance to improve your monthly cash flow, or simply to prepare you with the steps necessary to get the best mortgage loan.

While I would love for you to trust what I can do for you on the face value of this dialogue, please read the comments of those who were kind enough to talk about their experience in the Testimonials section.

Thank you and I hope to be working with you soon.

                                                                                                      . . .  Toni Ann Brock