See the loan options that fit you, side by side
As your Mortgage Broker, we shop mortgage lenders for you. Your Mortgage Plan lays out the options that fit you, side by side.
Why a Mortgage Broker
One application, and we shop mortgage lenders for you
A bank can offer only its own loans. As a Mortgage Broker, we price your one application with wholesale lenders and show you the difference in dollars, side by side, in your Mortgage Plan.
$10,662saved on average over the life of the loan
Borrowers who used an independent Mortgage Broker, compared with nonbank retail lenders. They paid lower upfront costs and slightly lower rates on average. Polygon Research, 2023 federal mortgage data (HMDA); the study was supported by United Wholesale Mortgage. Source.
A bank
A Mortgage Broker
- Lender
- Lender
- Lender
- Lender
- Lender
Agency loans for 1–4 unit homes, plus specialty loans through our lender network.
See loan optionsEach loan type on one page:VA loansFHA loansUSDA loansConventional loans
For homeowners
Already own a home? Get a free Ownership Plan
A plan for the home you have and the loan on it, from Daniel. Set it up once and we keep it current for you.
- Your home’s estimated value, refreshed each month, shown as a range with how we got it.
- Your equity and how much each payment builds, with when cash-out or an equity line could be possible.
- A refinance check against current market rates: how long the savings would take to cover the costs.
- Your costs of owning: taxes, insurance, HOA and the projects you add, tallied for you.
No cost and no obligation. No account and no password, and we never ask for an account number or a Social Security number to give you your Ownership Plan. Stop any time.
Ready to refinance now? Talk with Daniel about a refinance
Your Mortgage Plan
How to use your Mortgage Plan
While your plan is active, its link shows the latest version. Tap or click any box for its breakdown and any dotted word for a plain explanation, then move the sliders to try a change.
- A 30-second tour. Your Mortgage Plan is made to be clicked.
- Click a box to see its breakdown. The monthly payment opens into interest, principal, taxes and insurance, and mortgage insurance. Cash to close opens into the down payment, lender and title fees, and prepaids and escrow.
- Click any dotted word to see what it means. APR: the annual percentage rate. It adds certain fees and points to the interest rate, so you can compare the full cost of each loan. The rate sets the payment. The APR adds the fees.
- The tags point out the facts. Click one to see why: Option 2 has the lowest monthly payment of the options shown.
- Drag a slider, and the numbers follow. See any payment moves from the first payment to the last.
- Try an extra payment, and see the payoff move, in the extra payment planner.
- Open your Mortgage Plan and click around. If you have questions, text Daniel at 970-480-0540. Montezuma Mortgage, NMLS 1880546. Daniel Hennek, NMLS 198218. Equal Housing Opportunity. Illustration only. Your plan shows your own numbers.
Learning Center
The home buying journey, in short lessons
Six stages, from "Am I ready?" to owning your home. Each lesson takes two or three minutes and has a calculator or example you can change.
Run your own numbers
Every calculator runs on the same math as your Mortgage Plan. Change a number and watch the answer move.
- What will my monthly payment be?The full payment for each loan type, and where each dollar goes.
- How much house can my income support?A price range from your income and debts, checked against each loan type.
- Do points pay for themselves?The month the interest you save covers the cost of the points.
- Is this refinance worth it?The new payment, the month it breaks even and the net savings.
- How fast does the balance come down?Your balance year by year, and the year principal passes interest.
- Rent or buy: which builds more over the years you stay?Net worth from buying and from renting, year by year.
This week
What moved mortgage rates, and what is worth knowing. New every week.
- Market read · Friday, November 6The 30-year average eased for a third straight week, and the 10-year Treasury yield fell to its lowest level since early September.The full week on the rates page
- Article · October 27, 2026What moves mortgage rates, and what you controlThe market forces behind mortgage rates, and the personal factors that determine the rate you are actually offered.
- Article · October 27, 2026Should you lock your mortgage rate? Pros, cons and tipsWhat a rate lock protects, what it costs, and how to choose a lock period that covers your closing.
Start your Mortgage Plan with Daniel
It starts with a conversation. Daniel builds your Mortgage Plan from it and walks you through it.
Serving all of Colorado, with a focus on Mancos, Cortez, Dolores, Durango, Bayfield, Pagosa Springs and nearby.