Mortgage Loan Originator NMLS #: 212831
950 Cherry Street
Denver, CO 80246
Mortgage Loan Originator
Josh Slater was born back East but grew up in Scottsdale Arizona; after graduating from Chaparral high school in 1993 he moved to Denver and began college. Josh attended the University of Denver and graduated in 1997 with a Bachelor of Science in Business Administration, with an emphasis on hotel and restaurant management. Josh managed a number of different local restaurants before he found his true calling as a mortgage professional and real estate investor. Josh is a licensed loan professional with over 14 years of experience helping people buy and refinance their homes. As a senior loan officer it is his job to make sure he is always up to date on the products available, and ultimately to make sure the customer has all the options explained in a way the everyday person understands.
Josh's time in the restaurant industry taught him a great deal about how to communicate, listen, and relate to people. Josh prides himself on being able to listen and learn about his client's goals, and then being able to work with them to achieve their goals. A home for most people is the biggest investment they will have in their lives; Josh understands this and makes sure he treats all of his clients with the caring and respect they would receive from their family and closest friends.
Josh works extremely hard to make sure our customers are taken care of, but when he is not working he enjoys taking advantage of all Colorado has to offer. Josh is an avid skier, golfer, occasional mountain biker, and general outdoor enthusiast. Josh is also winding down a rugby career which allowed him to play in different places around the world. Josh lives in Denver’s Berkeley neighborhood with his wife Charlotte, daughter Emma, and their Puerto Rican dog Frankie.
A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment.
An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
Created by President Franklin Delano Roosevelt as part of the original Servicemen’s Readjustment Act of 1944, VA loans help create homeownership for service members who sacrifice so much for their country, yet don’t have a fair chance to establish a credit rating because of their service.
The United States Department of Agriculture developed this mortgage option to improve the economy and quality of life in rural America by encouraging the purchasing of rural land. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, and you might be surprised how feasible it is to qualify for one beyond what most would consider “farmland”.
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