Member of the Colorado Bar Association

Board Member of
the Colorado Collaborative Divorce Professionals


When the Simple Becomes Complex:

Huettner Capital is a residential and commercial real estate lender. We handle all types of financing and specialize in complex transactions.

These situations typically involve self-employment, multiple properties, wealth management, investment property, relocation, and divorce to name a few. However, most people do not realize how frequently their situation is too complex for the typical lender to handle effectively.

Getting these loans done is not the problem. The problem is the people getting most borrower’s their loans. They simply have far too little knowledge and experience to get anything other than the cookie cutter loan done in less than several months. This is the reason why the traditional loan origination process just doesn’t work any more.

Creating a team and new loan process that works with full documentation loans, especially the complex ones, was the whole point in starting Huettner Capital from the very beginning. Welcome to the solution!

How To Avoid Shady Lenders

8 Questions to Ask Before Choosing Your Lender

Real estate most likely represents your largest assets and debts. It also likely presents your largest financial risks. Amazingly, most people spend more time picking a movie on any weekend than they spend selecting their mortgage lender.

You usually don’t pick the cheapest doctor or attorney you can find. Instead, you evaluate them based on criteria including education, experience, reputation, and cost. Similarly, you should not pick the cheapest lender. To determine if a lender is qualified to complete your financing, answer these 8 questions:

Is your lender…?

Objective – Does your lender have a proven record of providing objective advice that is in the best interest of their clients even when that means losing business? Can you count on your lender to tell you when a refinance does not make sense or when another lender is better suited to provide financing?

Flexible – Can your lender submit your loan to the bank with the best option for you or are they required to use the banks that are the best for them? Do they have access to all major and niche banks?

Experienced – Does your lender have the experience to guide you through the lending changes and get your loan closed? Most lenders have less than 5 years of specific experience; you want a lender with 10+.

Knowledgeable – Having been in business for several years is simply not enough to develop the expertise you need. Does your lender have specific experience and knowledge of finance and loan underwriting.

Proactive – Does your lender monitor your loan for interest rate improvements alerting you in advance? Does your lender solve problems before they arise and make plans in case you need to change your loan?

An Expert – Is your lender a recognized authority based on their experience, knowledge, expertise, and leadership roles? Do industry and financial publications request articles, interviews, and opinions from your lender? Or are they a relative unknown in their industry lacking professional recognition?

Stable – Is your lender an industry professional with consistent referral and repeat business? Are they someone you can count on or are they dusting off their resume to make another career change?

Accessible – Do you have complete access to your lender including their direct phone, fax, and e-mail? Do they answer your calls and emails promptly or does someone or voicemail screen them?

Selecting a qualified lender will save you far more time and money than you can imagine. If you have ever had the unfortunate experience of working with an unqualified lender, you don’t have to imagine.

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