Denver Mortgage Broker · NMLS #1035504

Smarter mortgage strategy for Colorado and beyond

Chris Cartwright helps homebuyers and homeowners across Colorado, Washington, Texas, California, Arizona, and Florida make confident financing decisions — not just get approved.

Get Pre-Approved Book a Call Call (970) 412-9577
70+
Wholesale Lenders
<10
Days to Close
CO · WA · TX
CA · AZ · FL
Licensed States
Who I work with
First-time buyers, move-up buyers, veterans, relocation clients, self-employed borrowers, and real estate investors. If the decision matters, strategy matters.
How I'm different
I don't just quote rates and take applications. I structure financing around your goals — cash position, offer strength, future optionality, and long-term wealth.
What agents say
"He solves problems early, communicates better than most lenders, and I never have to babysit the file."

Three Point Mortgage LLC · Company NMLS #2364254 · 11990 Grant St Suite 570, Northglenn CO 80233

Licensed in CO · WA · TX · CA · AZ · FL
NMLS #1035504 · Company NMLS #2364254
70+ Wholesale Lending Partners
Average Clear-to-Close Under 10 Days
100% Rate Transparency
Chris Cartwright, Senior Mortgage Broker at Three Point Mortgage, Denver Colorado
Senior Mortgage
Broker
NMLS #1035504

About Chris

The strategic mortgage advisor Denver didn't have

Most loan officers quote a rate, take an application, and hope for the best. I built my practice around a different belief: that the right financing strategy can influence wealth building, offer competitiveness, monthly payment, and long-term financial flexibility — not just whether you get approved.

Based on the Denver metro and Front Range, I work with homebuyers and homeowners across Colorado and five other states to structure financing around their actual goals — not just the transaction in front of them.

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Catch issues early — most messy deals start with weak front-end work. I review income, assets, and guidelines thoroughly before we're under contract.
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Proactive communication — you'll never wonder what's happening. Neither will your agent.
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Extreme ownership — if I'm in the deal, I own the outcome. I don't pass blame to underwriting, processors, or circumstances.
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Strategy over rate — lower rate doesn't always mean better deal. I help you understand the full picture.
Colorado Washington Texas California Arizona Florida

Loan Products

Every loan type.
One strategic advisor.

Three Point Mortgage works with 70+ wholesale lenders to match you with the right loan — not just the most popular one.

🏠
Conventional Loans
Fannie Mae and Freddie Mac backed loans with competitive rates for buyers with solid credit and down payments from 3%.
Best for: move-up buyers, strong credit profiles
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VA Loans
Zero down payment, no PMI, and competitive rates for eligible veterans, active-duty service members, and surviving spouses. Available in all licensed states.
Best for: veterans and active military
🔑
FHA Loans
Government-backed loans with as little as 3.5% down and more flexible credit requirements. Colorado down payment assistance programs can be layered on top.
Best for: first-time buyers, lower down payment
💼
Jumbo Loans
Financing above conforming loan limits for higher-priced properties in the Denver metro, Boulder, and other Colorado markets.
Best for: luxury and high-value properties
📊
DSCR Loans
Debt Service Coverage Ratio loans qualify based on rental income — not personal income. No W-2 or tax return required.
Best for: investors, self-employed, rental properties
📄
Non-QM Loans
Alternative documentation loans for self-employed borrowers, bank statement qualifiers, and those who don't fit conventional income guidelines.
Best for: self-employed, business owners
🎁
Down Payment Assistance
Colorado CHFA loans and other DPA programs can significantly reduce the cash needed to buy. Many buyers qualify without knowing it.
Best for: first-time buyers in Colorado
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Refinance
Rate-and-term or cash-out refinance, including temporary rate buydowns. I track client portfolios for refinance windows — I'll call you when it makes sense.
Best for: existing homeowners
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Rate Buydowns
Temporary and permanent rate buydowns — including seller-funded 2-1 buydowns — can dramatically improve monthly payment and make today's rates feel more comfortable.
Best for: buyers sensitive to monthly payment

Licensed States

Colorado, Washington, Texas,
California, Arizona, Florida.

Whether you're buying in Denver or relocating to Seattle, you get the same strategy-first approach and proactive process.

Colorado
Denver · Aurora · Boulder · Fort Collins · Longmont · Loveland · Westminster · Arvada · Thornton · Broomfield · Colorado Springs · Greeley · Pueblo
Key programs: CHFA down payment assistance, Colorado first-time homebuyer programs, conventional, FHA, VA, jumbo, DSCR
Washington
Seattle · Tacoma · Bellevue · Spokane · Redmond · Kirkland · Renton · Everett
Key programs: WSHFC Home Advantage, House Key Opportunity, conventional, FHA, VA, jumbo
Texas
Houston · Dallas · Austin · San Antonio · Fort Worth · El Paso · Arlington · Plano
Key programs: TDHCA programs, Texas-specific home equity rules (Art. XVI Sec. 50), conventional, FHA, VA, jumbo
California
Los Angeles · San Diego · San Francisco Bay Area · Sacramento · Orange County · Riverside
Key programs: CalHFA down payment assistance, jumbo loans, conventional, FHA, VA
Arizona
Phoenix · Scottsdale · Tucson · Mesa · Chandler · Gilbert · Tempe · Peoria
Key programs: ADOH programs, conventional, FHA, VA, DSCR for investors
Florida
Miami · Orlando · Tampa · Jacksonville · Fort Lauderdale · Naples · Sarasota
Key programs: Florida Bond programs, conventional, FHA, VA, jumbo, DSCR for investment properties

Common Questions

Everything you want to know
before starting

Do I need 20% down to buy a house in Colorado?
No. FHA loans require as little as 3.5% down. Conventional loans go as low as 3%. VA loans allow zero down for eligible veterans. Colorado's CHFA program can also provide down payment assistance to qualifying buyers who may be closer to homeownership than they realize.
Should I wait for rates to drop before buying in Denver?
Today's Denver market has something that disappeared with low rates: negotiating leverage. Seller concessions, price flexibility, and rate buydowns are all available now. When rates eventually fall, competition will return and that leverage disappears. Today's rate is refinanceable. Today's price and terms are not.
What's the difference between a mortgage broker and a bank?
A bank offers its own loan products only. A mortgage broker like Three Point Mortgage works with 70+ wholesale lenders — meaning we shop the market on your behalf to find the most competitive rate and terms for your specific situation. Brokers typically offer better pricing because of wholesale access.
How long does the mortgage process take?
Three Point Mortgage averages a clear-to-close in under 10 days — significantly faster than the industry average of 30-45 days. This speed comes from thorough front-end review, strong wholesale lender relationships, and proactive communication that prevents last-minute surprises.
What is a DSCR loan and who qualifies?
A DSCR (Debt Service Coverage Ratio) loan qualifies the borrower based on the rental income a property generates — not personal W-2 income or tax returns. If the property's rental income covers the mortgage payment, you may qualify. These are popular with real estate investors and self-employed borrowers building a rental portfolio.
What is a 2-1 buydown and does it make sense?
A 2-1 buydown is a seller-funded structure where the interest rate is reduced by 2% in year one and 1% in year two, then returns to the locked rate in year three. In a market with seller concessions available, this can dramatically reduce your payment in the early years and is often seller-funded — costing you nothing out of pocket.
What is CHFA and who qualifies in Colorado?
CHFA (Colorado Housing and Finance Authority) offers down payment and closing cost assistance to qualifying Colorado homebuyers. Income and purchase price limits apply, and most programs require a minimum 620 credit score. First-time buyers and certain veterans may qualify. Many buyers who think they can't afford to buy actually can with CHFA assistance.
What credit score do I need to get a mortgage?
FHA loans are available with credit scores as low as 580 (with 3.5% down) or 500 (with 10% down). Conventional loans typically require 620+. VA loans have no official minimum but lenders generally look for 580-620+. DSCR and jumbo loans typically require 660-700+. The right loan type depends on your full credit and income picture — a 10-minute call can clarify exactly where you stand.

Resources

Straight talk on mortgages,
rates, and Colorado real estate

🏔️
Colorado Market
Why Denver Buyers Have More Leverage Right Now Than in Years
Seller concessions, price flexibility, and rate buydowns are all on the table. Here's how to use them before competition returns.
Coming soon
🎯
First-Time Buyers
Colorado CHFA Loans Explained: What They Are and Who Qualifies
Down payment assistance that most buyers don't know they qualify for. A complete guide to CHFA programs in 2025.
Coming soon
📈
Strategy
The 2-1 Buydown: How to Negotiate a Lower Rate at No Cost to You
Seller-funded rate buydowns are one of the most underused tools in today's market. Here's exactly how they work.
Coming soon

Ready to talk strategy?

A 15-minute call is all it takes to know exactly where you stand and what your best move is.

Book a Call Apply Now Call (970) 412-9577 Or email chris@threepointmortgage.com · Available Mon–Sun