01START HERE
First-time homebuyers
A practical plan for down payment, monthly payment, and the full cost of buying—explained clearly before you shop.
Explore this option →Colorado & Florida mortgage guidance • Call or text (303) 945-3962
Get pre-qualified → Independent mortgage guidance
A smarter mortgage starts with the right strategy.
Get clear answers, personalized loan options, and a plan built around your life—not a one-size-fits-all rate quote.
20+ yearsMortgage experience
IndependentMore loan options
LocalDenver-based team
A QUICK INTRODUCTIONWhat getting pre-qualified looks like.Matt Nockels · Impact Home Lending
THE MORTGAGE PROCESS SHOULDN'T FEEL LIKE A BLACK BOX.
Know what you can afford. Understand your options. Move forward with confidence.
Solutions for real life
There's more than one way home.
Your income, goals, and timeline are unique. We compare programs and structure the financing around what actually works for you.
02LOW DOWN PAYMENT
Colorado assistance
Compare grants and second-mortgage assistance with the payment, repayment terms and future flexibility clearly explained.
Explore this option →03FLEXIBLE GUIDELINES
FHA loans in Colorado
Understand FHA down payment, mortgage insurance, property rules and how the numbers compare with conventional financing.
Explore this option →04OFFER READY
Denver mortgage preapproval
Build a documented payment, cash and loan plan before making an offer—with a soft credit pull to begin.
Explore this option →05FOR BUSINESS OWNERS
Bank-statement loans
Explore eligible deposit-based income programs while comparing the pricing, reserves and traditional alternatives.
Explore this option →06EARNED BENEFIT
VA home loans
Clear guidance on entitlement, zero-down-payment potential, the funding fee and Colorado property requirements.
Explore this option →07BUILT DIFFERENT
Self-employed borrowers
Bank statements, complex income, and business ownership deserve a lender who understands the whole picture.
Explore this option →08BUILD WEALTH
Real estate investors
Financing for rentals, DSCR scenarios, portfolio growth, and borrowers building long-term wealth through real estate.
Explore this option →09MORE HOME
Jumbo financing
Competitive options for higher loan amounts, including low-down-payment strategies for qualified buyers.
Explore this option →10USE YOUR EQUITY
Refinance & HELOC
Compare cash-out, HELOC, term, and payment options through the lens of your broader financial goals.
Explore this option → Our difference
We don't start with a loan.
We start with you.
A good mortgage does more than get you to closing. It should support your monthly budget, your future plans, and your overall financial health.
Schedule a conversation →Tell us where you want to go
Buying soon, planning ahead, investing, or refinancing—we begin with your goals.
See the options side by side
We explain the numbers, tradeoffs, and total cost in plain English.
Move forward with a clear plan
From pre-approval through closing, you always know what happens next.
FOUNDER & PRESIDENTMatt Nockels
Experience that changes the conversation
Mortgage knowledge meets real-world perspective.
Matt has worked in mortgage lending since 2003 and founded Denver Lending in 2009, now Impact Home Lending.
As a former financial adviser and active real estate investor since 2006, he looks beyond rate and closing costs to help clients understand how a mortgage fits into the bigger financial picture.
✓ Denver native✓ Former financial adviser✓ Investor since 2006✓ Colorado & Florida
Meet Matt & the team → Client stories
Trusted for the first loan—
and the next one.
“
Matt and the folks at Impact were so helpful in our first-time homebuying process. They were patient with our questions and provided great guidance.
“
Matt and his team did an unbelievable job for us. I would recommend them to anyone who asks.
“
Matt stands out among the very best in the Denver lending market. I would definitely use him again.
Clear, local mortgage answers
Questions Denver homebuyers ask us most.
Direct answers from a Denver mortgage professional with more than two decades of experience. Every borrower and property is different, so use these as a starting point—not a loan approval.
Ask Matt a question →01What is the advantage of using an independent mortgage broker?+
An independent broker can compare options from multiple wholesale lenders instead of offering only one institution's products. Impact Home Lending helps you compare the payment, cash needed, rate structure, mortgage insurance, and long-term cost—not just the headline rate.
02How much down payment does a first-time buyer need in Colorado?+
Some conventional programs allow qualified first-time buyers to purchase with as little as 3% down, while FHA commonly starts at 3.5%. Eligible Colorado buyers may also have down-payment-assistance options. The right choice depends on income, credit, property, and monthly-payment goals.
03Can a self-employed borrower qualify for a mortgage?+
Yes. Depending on the program, income may be evaluated using tax returns, business financials, bank statements, or other documentation. Because the calculation can be complex, it helps to review income before making an offer.
04Does Impact Home Lending finance investment properties?+
Yes. We work with conventional investment-property financing, DSCR options, and other portfolio strategies for qualified real estate investors. We can also help compare a new purchase with using equity from an existing property.
05When should I get pre-approved for a Denver-area home?+
Start before you seriously tour homes. An early review gives you time to confirm documentation, solve avoidable issues, and choose a comfortable payment range before you are under contract.
06Where does Impact Home Lending provide mortgages?+
Impact Home Lending is based in Denver and is licensed to originate residential mortgages in Colorado and Florida. Program availability, underwriting requirements, and property eligibility vary.
Your next move starts here