Who I Help
Guidance for Every Borrower
Whether you're buying your first home or looking to refinance, I provide personalized guidance tailored to your financial goals.
First-Time Buyers
Navigate the home buying process with confidence. I'll explain every step and help you find programs designed for new buyers.
Move-Up Buyers
Ready for more space? I'll coordinate timing, bridge financing, and help you leverage your current equity.
Veterans & Military
Maximize your VA benefits with expert guidance on zero-down options and competitive rates you've earned.
Refinancing
Lower your rate, shorten your term, or tap into equity. I'll help you decide if refinancing makes sense.
Retirees
Ready to downsize? I'll help you navigate selling your current home and financing your next chapter.
Limited Funds
We help people with low and no down payment options. There are more programs available than you might think.
Loan Programs
Financing Options
Every situation is unique. I'll help you find the loan program that fits your goals, timeline, and budget.
3% Down Conventional
Traditional financing with competitive rates. Ideal for first-time buyers with limited savings.
0% DownVA Home Loans
Exclusive benefits for veterans and active military. No down payment, no PMI, competitive rates.
3.5% DownFHA Loans
Government-backed loans with flexible credit requirements. Great for first-time buyers.
Nice to meet you
About Mandie
With over 15 years in mortgage lending, I've helped hundreds of families navigate the path to homeownership. I believe everyone deserves clear, honest guidance—not confusing jargon or high-pressure sales tactics.
My approach is simple: educate first, then help you decide. When you understand your options, you make better decisions. That's why I've built this resource hub alongside my advisory practice.
- 1. Discovery Call: We discuss your goals, timeline, and financial picture.
- 2. Pre-Approval: Get a clear picture of your buying power.
- 3. Loan Selection: Compare options and choose what fits best.
- 4. Closing: I guide you through to a smooth, on-time close.
Client Stories
"Mandie explained everything so clearly. As a first-time buyer, I had so many questions and she never made me feel rushed."— Sarah M.
"She found us a better rate than we expected and closed two weeks early. Couldn't ask for more."— James & Lisa T.
"Mandie helped us use my VA benefits the right way. Zero down and we're finally homeowners."— Marcus R.
Learning Hub
Mortgage Guides
Free resources to help you understand the home financing process and make informed decisions.
1% Rate Drop Rule
Should you refinance when rates drop 1%? Learn how to calculate your break-even point.
PMI80/20 PMI Removal
Once you reach 20% equity, you may be able to eliminate mortgage insurance payments.
GuideRefinance Closing Costs
Understand what you'll pay at closing and strategies to minimize out-of-pocket expenses.
FAQ
Common Questions
Who's a good mortgage lender in Broomfield, CO?
I'm Mandie Pallone (NMLS #1141754), a Fairway mortgage advisor serving Broomfield and the north Denver metro, rated 4.8 from 349 client reviews. I help buyers and homeowners with FHA, VA, USDA, conventional, jumbo, and low down payment loans, from pre-approval to closing. Terms subject to a full loan estimate.
Does Mandie Pallone offer VA, FHA, and conventional loans?
Yes. I work with VA, FHA, USDA, conventional, jumbo, and low down payment programs for buyers across Broomfield, Westminster, Thornton, Arvada, and the north Denver metro. I match your scenario to the right program and guide you through closing. Final terms are confirmed in your loan estimate.
Who do I talk to about getting a mortgage in the north Denver metro?
I'm Mandie Pallone (NMLS #1141754), a Fairway mortgage advisor rated 4.8 from 349 client reviews. I handle pre-approval, program selection, and closing for buyers across Broomfield, Westminster, Thornton, Arvada, Superior, and Louisville. Terms subject to a full loan estimate.
How much down payment do I need?
It depends on the loan type. Conventional loans start at 3% down, FHA at 3.5%, and VA loans offer 0% down for qualified veterans. I'll help you find programs that match your savings.
What credit score do I need to buy a home?
Most conventional loans require 620+, while FHA loans may accept scores as low as 580. However, better scores mean better rates. If your score needs work, I can point you toward resources to improve it.
How long does the mortgage process take?
Typically 30-45 days from application to closing, though it can be faster. Pre-approval takes just a few days and is the best first step to know where you stand.
Should I get pre-approved before looking at homes?
Absolutely. Pre-approval shows sellers you're serious and tells you exactly what you can afford. In competitive markets, it's essential. Plus, it's free and doesn't commit you to anything.