The Mortgage Pro Team crest
Financing Solutions for HomeownersBuildersInvestors

More Than A Mortgage

A Financing Strategy

Helping homeowners, investors, builders, and business owners create wealth through smarter financing solutions. Local Relationships • National LendingThe Mortgage Pro Team · Powered by NEXA Mortgage

Our Specialty

Investor Loans —
No Income Docs Required

Self-employed, full-time investor, or W-2 buyer scaling a portfolio — we qualify the deal on the property, not your tax returns. Close fast, keep your tax strategy intact, and scale without limits.

Long and Short Term Rentals

DSCR LOANS

Qualify on the property's rental income, not yours. Perfect for SFRs, 2–4 units, and short-term rentals. No minimum loan amounts, first-time investors welcome, and foreign national ITIN borrowers accepted. No tax returns, no W-2s, no DTI calculation.

No Income Docs
Short-Term Bridge

FIX & FLIP

Up to 90% of purchase + 100% of rehab. Close in days, not months. Funds rolled into a single draw schedule so you can move on the next deal fast.

No Income Docs
Blanket / Multi-Property

PORTFOLIO LOANS

Bundle 2 to 10 properties per loan — and there's no maximum number of portfolios you can stack. Cash-out to scale, free up credit lines, and simplify your monthly reporting.

No Income Docs
Ground-Up Builds

CONSTRUCTION LOANS

New construction and major rehab financing for investors and builders. Asset-based qualifying — no personal income verification required.

No Income Docs
No Income Docs
Close in LLC No Personal Credit Reported
No DTI Limit

Types of Loans

Prepare for The Best
Mortgage Experience

Our knowledgeable team will help you understand each loan program you qualify for, and help you make the best decision for you and your family based on your situation.

CONVENTIONAL

Typically better for those with better credit and/or more money to put down.

FHA

Better for those with lower credit scores, less money down, or higher debt-to-income.

VA

Premium loan for Veterans and Active Duty who qualify — no down payment, no PMI.

USDA

Great loan for homes located in rural areas — no money down required.

DSCR / INVESTOR

Qualify on property cash flow, not personal income. Built for portfolio growth.

HELOC / HELOAN

Tap your home's equity fast — funds in as little as days, not months.

NON-QM & ITIN

Flexible documentation programs for self-employed and non-traditional buyers.

BRIDGE & COMMERCIAL

Short-term and commercial financing structured for real investors.

About Us

Get To Know Us

Our focus is on your family

The Mortgage Pro Team is a Colorado branch of NEXA Mortgage — the largest wholesale mortgage broker in the United States. We do business with 200+ different lenders and serve clients across the country.

Our experience has taught us what the mortgage business is truly about — and what it boils down to is this: people buy homes for their families. People invest in properties for their families. People refinance their current homes for their families.

We believe in helping people and their families get into homes. Many times, this results in a home they never dreamed they could own.

Why Use Us?

Work With Someone
You Can Trust

LOCAL

Working with someone local means you're working with someone who knows the Western Slope and has done business with the listing agents before. That gets your offer accepted.

AVAILABILITY

Dealing with retail banks is frustrating — the right hand never talks to the left. When you call us you'll speak to a real person on our team; day, night, and weekends.

RATES & PROGRAMS

Access to 200+ wholesale lenders means the absolute lowest interest rates and PMI on the market, plus virtually every loan program available.

FAMILY

The Mortgage Pro Team is a relationship business. We care about your goals, and your loan is our main focus when you work with us.

200+
LENDERS
100%
CLIENT SATISFACTION
5.0★
GOOGLE RATING
15+
LOAN PROGRAMS

Why Choose Us

People Choose Us
For A Reason

The Mortgage Pro Team is powered by NEXA Mortgage — the largest wholesale broker in the country. Access to 200+ lenders means access to the absolute lowest interest rates on the market, and virtually every loan program that is available. If there is a mortgage for it, we can do it.

Apply Now

Testimonials

What Our Clients Say

★ ★ ★ ★ ★   5.0 Google Rating

★★★★★

"There are people that talk and people that do — I've been working with TJ about 3 yrs, he is my go to for all financing on my rentals. The one thing about TJ is he always goes to bat for you. I just had a refinance that was impossible for most, but I called TJ, explained what was happening, and when no one else could get it done — he did. If TJ can't get it done, then no one can. Stop reading this and find out for yourself."

John Medina

8 reviews · a month ago

★★★★★

"TJ is a true professional through and through. This is the second time we chose to work with him. Highly recommended!!"

Lance Liberto

Local Guide · 63 reviews · a month ago

★★★★★

"TJ was great to work with. He treated the whole process like a partnership — always checking in, explaining things clearly, and helping me make the best decisions. I definitely recommend him to anyone looking for a lender who truly works with you, not just for you."

Wish Properties

7 months ago

★★★★★

"TJ provided exceptional service throughout our mortgage process. He was knowledgeable, responsive, and committed to securing the best possible rate for us. His professionalism and attention to detail made the entire experience smooth and efficient."

Sandra Gomez

3 reviews · 8 months ago

★★★★★

"They made the whole process so easy for me! TJ was incredibly prompt and thorough during the whole process. Couldn't have asked for a better experience! Highly recommend!"

Jordan Arbaney

3 reviews · 3 months ago

★★★★★

"Working with TJ and his team was an extremely pleasant and straightforward experience. My partner and I are first-time homebuyers, and they made the process very easy. He took my specific situation that made a conventional loan very difficult and knew how to make it work."

Matt C

Local Guide · 18 reviews · a year ago

★★★★★

"TJ Hines was recommended to my family in our home buying experience and for an excellent reason. Reassuring, informative, educational, and an advocate for my family's dreams to settle in Colorado."

Jason Presley

5 reviews · a year ago

★★★★★

"TJ is the definition of excellence. Not just in client experience but in relationship driven. He truly cares about his clients and makes sure they are like his family. If you are looking for mortgage consultation, get with TJ and you will not regret it!"

Kevin Davey

6 reviews · a year ago

★★★★★

"Even with a time crunch, TJ helped us through a spec build with a VA loan. While my wife and I were stressing, he remained calm and assured us everything on his end would be completed on schedule. He was correct. Five out of five stars."

Stewart Bale

6 reviews · 4 years ago

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