Cell: 720-849-9134
Catrina Cohen-Reed Can Help With All Your Mortgage Needs
A Mortgage Broker You Can Trust
I’m a Senior Mortgage Loan Originator and Owner of RTS Lending Group, and I’m passionate about helping clients navigate the mortgage process with confidence. I understand that buying, refinancing, or investing in property can feel overwhelming, but it doesn’t have to be complicated. My goal is to make financing simple, transparent, and tailored to your unique goals. From first-time buyers to seasoned investors, I work closely with each client to tailor the right loan for their needs and guide them through their options, so they can make confident, informed decisions. Let’s make your mortgage journey stress-free and empowering — contact me today to get started.
Areas of Expertise
I take pride in helping my clients find the right mortgage — not just any mortgage. By understanding your needs and goals, I work carefully to match you with the best loan options available. My promise is to make the process smooth, transparent, and tailored to you, so you can feel confident every step of the way.
GOVERNMENT MORTGAGE LOANS (FHA, USDA, VA)
A loan guaranteed by a government agency is protected by one of the three main federal agencies: the Federal Housing Administration (FHA), the U.S. Department of Agriculture (USDA), or the Department of Veterans Affairs (VA). For every type of loan, the government agency that backs it covers the loan amount, safeguarding the lender if the borrower fails to fulfill their repayment obligations. This setup greatly lowers the risk for lenders and could enable them to provide loans with lower interest rates or no down payment at all.
CONVENTIONAL (Fannie & Freddie)
Conventional mortgage loans are started, guaranteed, and managed by private lending companies such as commercial banks, credit cooperatives, and additional financial organizations. These mainstream mortgage loans are classified into conforming and nonconforming loans based on their adherence to the standards established by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), which are the two government agencies that possess numerous mortgage loans across the U.S.
NON-QM LOANS
A non-qualified mortgage (non-QM) is a mortgage loan category specifically crafted for individuals who do not fulfill the criteria of typical loan programs. These loans can serve as a favorable choice for individuals with distinctive sources of income, including the self-employed, those with irregular earnings, or international residents. Additionally, non-QM loans may be suitable for those who have been rejected by traditional or federally backed loans, or for those who require financing urgently.
REVERSE MORTGAGES
A reverse mortgage is a federally insured program designed to help eligible homeowners convert home equity into usable funds. It helps homeowners 62 and older unlock the equity they’ve built to create extra cash flow, without needing to sell or move. It’s a smart strategy for retirees who want to enjoy the benefits of their home’s equity today, while maintaining ownership and stability, without having to pay a monthly mortgage payment.
As part of my mortgage services, I evaluate credit profiles to determine eligibility and guide clients toward approval. For those who need extra support, I offer personalized credit guidance to help improve scores and position them for future homeownership success.
Credit Assessment
Catrina was by far the best through this whole process. She guided me and kept me updated in the whole process. She never gave up and made sure we got the best deal. Very positive and outgoing person to have with a home loan. Will def have her help on the next one.
~ Shannon ~
Catrina Reed was AWESOME!!! Her recommendations and direction was professional and derived from her obvious knowledge. Mrs. Reed showed great compassion throughout the process and provided strong advocacy for my us through the entire home buying process. I would recommend Mrs. Reed without reservation and would request her assistance again for future purchases.
Redfin Buyer Aurora, CO $468,000
Let’s Talk
Ready to purchase a property and need help with financing? Get in touch to find out how I can help with your mortgage needs.
5600 S. Quebec St. Greenwood Village, CO 80111
By appointment only — I work remotely most days to better serve clients across Colorado and Florida. Please contact me to schedule a convenient meeting time (in person or virtual).
Cell: 720-849-9134