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Denise Crew

VP of Mortgage Lending
724 S. Pearl St, Denver, CO 80209
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NMLS: 773061
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About Denise

I have been involved in the residential mortgage loan industry in the Denver area since 1984. I started my career as a mortgage loan processor, and within a couple of years, I moved into originating loans. I have had the pleasure of working with some of the top agents in the state, as well as the newest realtors to join the market. I have extensive knowlegde in all types of mortgage loans and I am very good at helping you or your client make decisions on what the best loan is for them based on their situation. I know what works in this ever changing market. I have closed millions of dollars of Conventional, FHA, VA and Jumbo loans throughout my career. I work for an amazing company where we sell our loans directly to Fannie Mae, Freddie Mac and Ginnie Mae. This means NO CREDIT OVERLAYS for you or your buyers. We also have niche products for those hard to fit loans as well. I can get loans appoved that some others may not be able to. I specialize in government loans and I'm always happy to help out our service men and women with VA loan financing.

I grew up in a small town in northwest Iowa. I attended the University of South Dakota in Vermillion, SD. I moved to Colorado in 1982 and absolutely fell in love with this state. I'm married and have raised two amazing daughters. I enjoy golfing, exploring, hiking and riding - both my bicycle and Harley.

Denise interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
When I speak to a potential client for the first time, I ask a lot of questions regarding income, debts, credit history, how long will they live in the home, are they self employed, how much money is available for a down payment and what is their primary goal for a potential new mortgage? Based on our conversation, I will be able to begin discussing options for them and explaining the differences in payments, interest rates, how mortgage insurance works and in general, the overall loan process.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Often it seems that mortgage companies fall back to the most common loan, the fixed rate mortgage. However, if you know you won't live in a home more than 5 or 7 or 10 years, and you have no desire to keep that home in the future as a rental, and Adjustable Rate Mortgage may be a very good option for you. It's exactly like a 30 year fixed for a set number of years, with a lower interest rate and lower payment. This can be a huge benefit to build equity a little faster and keep your payments as low as possible while you own the home.
What can borrowers do to insure a smooth mortgage underwriting process?
The most helpful borrower is the one who doesn't hesitate to gather the information and/or paperwork we need for their loan. From the start of the loan, we will give you a detailed "to-do" list. Sometimes whatever paperwork is supplied, it can bring up more questions and we need additional backup. This can be a frustrating process for the borrower, but rest assured, we are helping to make the underwriting process as smooth as possible and make sure you loan fits the guidelines we are required to adhere to!
What provides you with the most satisfaction in your job as a Loan Officer?
My favorite part of being a Loan Originator is when I'm first getting started with a potential borrower. I enjoy explaining the process, answering questions, and really getting to know the person and their wants and needs. Everyone has a different story or situation and I pride myself on helping figure out what's the best route to take in this ever changing environment of mortgage financing!
Tell us something that makes you unique or something wacky, yet interesting about you?
I have an uncanny ability to remember songs and ditties from a very young age. Music is constantly in my head! Did you know you can sing Amazing Grace to the Gilligan's Island theme song?

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