Check Out Our Affiliates! 

Jennifer, Doug McGhee and Pam Whelker formed Distinctive Home Lending, Inc in January 1997. Pam & Doug both excelled in sales management with Fortune 500 companies and Jennifer was an exceptional loan originator. The three merged their talents creating Distinctive Home Lending, Inc. 

Our company is a referral based mortgage brokerage firm. Our vision is to provide exceptional service combined with a superior knowledge of mortgage products, while earning our customer’s trust and loyalty for a lifetime. 

We know there are many options when selecting a mortgage for your home. We are honored that you have considered Distinctive Home Lending, Inc., and we would appreciate the opportunity to earn your business.

Jennifer Crosbie, VP of Distinctive Home Lending has been in the mortgage industry for over 13 years. Being a mortgage broker, Jennifer brings many more opportunities to offer a realm of products and services to her clients. In the office Mon-Fri, 8-5pm she too is able and willing to help. Call her directly at 303-221-7100.  

My name is Marsha Wilson, and I am a member of the locally owned Mountain Lending Team, with the home offices here in Evergreen, Colorado. After 15 years as a Realtor®, I made the decision to broaden my horizons, and started working in the mortgage lending side of the real estate business. With my extensive experience as a Realtor®, I am very aware of how important it is to any real estate transaction to have an efficient, problem free loan process, to be able to listen to the needs of the client, and ultimately direct them to the product(s) that best meet their needs. My business and personal standards and ethics are directly aligned with the philosophies of the Mountain Lending Team. 

During my Realtor® years, I was extensively involved with our local association (Mountain Metro Association of Realtors – MMAR), including being President of the association, Treasurer, and receiving the prestigious honor of Realtor of the Year in 2002 for our local association. My involvement with the Colorado Association of Realtors (CAR) has been extensive as well over the years. I have a passion for this business and for the people who make it their profession. 

I am the Mother of one son and a set of identical twin girls, all in college now, having graduated from Conifer High School, and currently living in Lakewood, Colorado. Spending time with my children is the highlight of my life, although it is difficult to get everyone together at their ages, as they also lead very busy adult lives. 

A couple of years ago, I made the decision to leave our Evergreen/Conifer mountain communities, to investigate a different area of our beautiful State, but ultimately was drawn back here within the year, to one of the most wonderful places to live in the whole world. You cannot beat living in a beautiful, rural, mountain area, and still have such great access to the city life of a major metropolis like Denver, and also have the best ski areas in North America “around the corner”! 

I’d be happy to be of any help you would like in facilitating your mortgage lending needs. I’m just a phone call away or an e-mail away! 

Marsha Wilson
The Mountain Lending Team
303-679-0001Direct
303-679-0006 Fax
marhsa@mountainlendingteam.com
www.mountainlendingteam.com 

Mortgage Broker Registration Act
HB 1161 makes mortgage broker registration mandatory in Colorado.  

The following information was compiled from the Colorado Division of Real Estate (DRE), the Colorado Mortgage Lenders Association (CMLA), and the Colorado Associatin of Mortgage Brokers websites:
http://www.dora.state.co.us/realestate.mb/index.htm
http://www.CMLA.com
http://www.CAMB.org 

This information is for general informational purposes only. Any person or company affected by mortgage broker registration should ssek advice from the State of Colorado or an attorney. 

Introduction
The Mortgage Broker Registration Act (HB1161) was signed into law on June 2nd, 2006. Under the new law, mortgage brokers, meaning individual loan originators, must be registered with the State of
Colorado by January 1, 2007.  

The Registration Process
The process for registration begins with fingerprinting and a background check through the Colorado Bureau of Investigations (CBI). The Division of Real Estate says this process takes three months to complete and is advising mortgage brokers to start the process as soon as possible. CMLA is telling mortgage brokers to consider September 1 the deadline to submit fingerprints and apply for the required CBI backgroud check in order to meet the January 1 deadline.
In addition to fingerprinting and a background check, mortgage brokers need to apply for a $25,000 surety bond through a bonding company. 

The background check/fingerprinting and the surety bond need to be obtained prior to sumbitting an application. Applications can be submitted online on or after October 1, 2006,at www.dora.state.co.us/real-estate/mb. The division of Real Estate says it may take up to 21 days to process completed applications, and processing will not begin until an application is complete. A complete application consists of the following itmes:
1) criminal background check
2) surety bond.
3) application and
4) fee.
The Division of Real Estate fee to register as a Mortgage Broker is $200. (The criminal background check, fingerprinting and surety bond are an additional cost, which must be paid for by the applicant.) 

Who Must Register?
All persons who broker a mortgage, offer to broker a mortgage, act as a mortgage broker, or offer to act as a mortgage broker are required to register with the Division of Real Estate. 

The state requires registration of individual brokers, so each broker must individually meet the registration requirements.  

Section 12-61-904, C.R.S., exempts certain persons from this registration requirement and should be consulted for a complete list of exemptions: 

Federal and state angencies and political subdivisions of the state; 

Owner who finances a purchase of real estate property; 

Bank, saving bank, savings and loan association, industrial loan company, credit union, or bank or savings association holding company organized under federal law, and subsidiary or employee of the above; 

Attorney who renders legal advice but who is not the primary business of brokering a mortgage; 

FHA-apprroved mortgagee: 

Person who funds a mortgage but does not solicit a borrower and does not participate in negotiation of the residential mortgage.