833-IAM-TBLO
Hi, Welcome to the Best Loan Officer.
I am a seasoned mortgage professional that has been doing mortgage loans since 1996. In today's challenging lending environment, I have the knowledge, resources and commitment to guide buyers through a difficult process and make it look easy.
I understand how to access innovative mortgage products for buyers whose credit, income, and employment history don't fit the "cookie cutter" approach. I am very tech savvy and communicate well with my clients and quickly returns phone calls, emails, and texts. I also have an innate grasp of numbers and concepts and always help my clients reach a correct conclusion for their mortgage needs. I always have my clients' best interests in mind.
In life, you need professionals you can trust with major decisions. Your doctor, lawyer and with maybe your biggest financial transaction, your mortgage loan officer. I would like to be the professional you choose to help you with your mortgage needs.
Michael Trahan - The Best Loan Officer
GET A CONSULTATIONYou won't find interest rates posted on this website — and here's why.
The rates you see advertised online are designed for a very specific borrower: perfect credit, 20% down, two years on the job, low debt, and closing within 30 days. That doesn't describe 99% of my clients.
Every borrower's situation is unique. Your credit score, property type, loan-to-value ratio, and financial goals all play a role in determining your actual rate. That's why quoting a number before understanding your full picture would be doing you a disservice.
As your mortgage expert, I focus on what truly matters — the total cost of your loan and how it aligns with your short-term and long-term financial goals. When you're ready, I'll show you exactly what any rate will cost to get.
If a lender quotes you a rate without asking about your goals first, hang up and call me.
Wondering how it all works? Here are a few of the criteria we take into account.
Every lender wants you to have some of your own cash in the deal. The more cash or equity you have, the more favorable the terms are.
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There are home loans available with NO money down, while investment properties and commercial property loans will require a down payment or equity.
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The better your credit score, the easier it is to get a loan. I work with less than perfect credit borrowers. I understand life happens
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and never judge anyone about their credit scores. If you have less than perfect credit, I will be happy to help you improve your credit score. I have access to some incredible tools that will show you an exact path to getting your credit score higher, resulting in more favorable terms from a lender.
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Obviously the lender wants to know how you are going to pay them back. For a home mortgage, how long you have been on your job,
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what you do for a living will give the lender comfort that you have the ability to pay the loan back. There are several loans that will allow you to use your college degree as 'job history'. An example is someone that just graduated from college with a degree in nursing. As long as that person got a job in that field and an employment contract, we can use that for income. For self employed borrowers, as little as one year self employment may be enough to qualify for a loan.
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Sometimes people ask why lenders care about your debt to income ratios. The answer is if you have too much debt, you may not be able
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to payback the loan or you may end up as they say 'house rich and cash poor'. I have clients think the lenders are being tough on them, but in reality, the lender is your best friend. They are trying to keep you out of trouble financially. They want to loan money to people that can pay it back. If they deny you, we should look at your current financial situation to see what we can do to achieve your financial goals.
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As your expert mortgage broker, your best interest is always on my mind. I like to keep my clients for life. The only way to do that is to offer exceptional service plus knowing that I am your trusted advisor when you need mortgage advice.
1000's of Loans Closed
Always Closing Purchases On Time
Customer Satisfaction
With over 20 years of experience helping Colorado families achieve homeownership, The Best Loan Officer provides personalized mortgage solutions tailored to your unique financial situation.
Finding the right mortgage is one of the most important financial decisions you'll ever make. As Colorado's best loan officer, I bring decades of hands-on experience to every client relationship. Unlike big banks and online lenders, I provide one-on-one guidance throughout your entire mortgage journey — from pre-approval to closing day and beyond.
I work with multiple wholesale lenders to shop for the most competitive rates and terms available, ensuring you get a mortgage that fits your budget and long-term goals. Whether you're a first-time homebuyer in Denver, a veteran using your VA benefits in Colorado Springs, or an investor looking for DSCR loans along the Front Range, I have the expertise to guide you to the right loan program.
My commitment to transparency means you'll never encounter hidden fees or surprise costs. Every step of the process is clearly explained, and I'm always available to answer your questions — because being the best loan officer means putting your needs first, every time.
We discuss your goals, review your finances, and identify the best loan programs for your situation. No obligation, no pressure.
Get pre-approved quickly so you can shop for homes with confidence. Sellers prefer buyers who are already approved.
I compare rates from multiple lenders to find you the best deal — saving you thousands over the life of your loan.
I coordinate with all parties to ensure a smooth, on-time closing. You get the keys to your new Colorado home.
All the latest breaking news on Mortgages. Browse our articles.
Call me toll free at (833-426-8256)
225 Union Blvd
Lakewood, CO 80228
833-IAM-TBLO, 833-426-8256
lowrates@iamtblo.com
