Elevation Mortgage Broker Team
Choosing a mortgage lender isn't just about rates and loan products. It's about the people handling one of the biggest financial decisions you'll make. Our mortgage broker team in Colorado and Florida, Reed Letson and Ryan Nash, have closed over 700 loans combined, working with everyone from first-time buyers with straightforward W-2 income to self-employed borrowers with tax returns that make most underwriters nervous.
We are not a rotating cast of assistants or departments. Two experienced mortgage brokers who pick up the phone and know your file.
Your Mortgage Broker Team
Reed Letson
Mortgage Strategist
NMLS #1655924
719.445.2959
reed@elevationmtg.com
Licensed in Colorado
Reed has built a reputation for getting tough loans closed — the kind that bigger banks decline or drag out. He works extensively with self-employed and complex income borrowers, structuring files that account for irregular income, asset-heavy portfolios, and non-standard documentation.
Outside of work, Reed is a dedicated runner and Peloton rider who doesn't let Colorado winters slow him down. He's a husband, father of two, and an active supporter of Children's Hospital Colorado. That same persistence shows up in how he handles loans. He doesn't give up when things get complicated.
Ryan Nash
Mortgage Broker
NMLS #1493480
719.785.0009
ryan@elevationmtg.com
Licensed in Colorado & Florida
Ryan brings a steady, methodical approach to every file. He's known for catching details early that could cause delays later, keeping closings on track and on time. He works with both traditional income earners and borrowers who need creative structuring and he's licensed to serve clients across both Colorado and Florida.
When he's not working through loan files, Ryan coaches local youth wrestling, baseball, and football. That team-first mentality is how he approaches every transaction, focused on the outcome, not the spotlight.
Why Work With a Mortgage Broker Team Instead of a Bank?
A lot of people assume they need to go to their bank for a mortgage. That's one option, but it limits you to whatever products that single institution offers. According to the Consumer Financial Protection Bureau, shopping with multiple lenders or working with a broker who does this for you can save thousands over the life of a loan.
Here's how the two models compare:
| Factor | Bank Loan Officer | Mortgage Broker (Elevation) |
|---|---|---|
| Lender options | One institution's products only | Access to dozens of wholesale lenders |
| Rate shopping | You do it yourself across banks | Done for you — we compare on your behalf |
| Complex income situations | Often rigid underwriting guidelines | Can match you with lenders who specialize in non-standard files |
| Point of contact | May rotate between departments | Reed or Ryan from start to finish |
| Loan programs available | Limited to in-house products | Conventional, FHA, VA, USDA, Jumbo, Non-QM, and more |
According to Inside Mortgage Finance data, the broker channel now accounts for roughly 29% of all residential mortgage originations, its highest level in over 15 years. That growth reflects borrowers figuring out that access to more options usually leads to better terms.
Elevation Mortgage Difference
We Handle the Complicated Files
Self-employment, rental income, asset depletion, recent credit events. If your financial picture doesn't fit a neat box, we know how to structure it for approval.
We Find the Right Fit, Not Just a Rate
A low rate with the wrong loan structure can cost you more in the long run. We look at the full picture — terms, closing costs, flexibility — and match you accordingly.
We Communicate Like Adults
You'll have Reed's or Ryan's direct phone number. No phone trees, no ticket systems, no waiting two days for a callback. If something changes on your file, you'll hear about it right away.
We Anticipate Problems Early
Most closing delays come from things that could have been caught in the first week. We front-load the hard questions so you're not scrambling at the end.
A Real Example: When the Bank Said No
Borrower Scenario
A small business owner in Colorado Springs had been running a profitable business for four years. She wanted to buy a $450,000 home and had over 20% for a down payment. On paper, it looked straightforward.
Two banks turned her down. The issue? Her tax returns showed business deductions that reduced her adjusted gross income below their qualification threshold even though her actual cash flow was strong. A common problem for self-employed borrowers.
We reviewed her bank statements, identified a lender that offers bank statement qualification programs through non-QM loan products, and structured the file to reflect her real earning power. She closed in under 30 days.
This is the kind of situation where having a broker makes a measurable difference.
Ready to Talk? We're Real People.
If you've got questions about your situation, whether it's your first home or a complex refinance, a 15-minute conversation will tell you more than another hour of reading. No application required.
Talk to a Real Loan OfficerFAQs Elevation Mortgage
What's the difference between a mortgage broker and a loan officer at a bank?
A bank loan officer works for one institution and can only offer you that bank's products. A mortgage broker works independently and shops your loan across hundreds of wholesale lenders. That means more options for rates, terms, and qualification guidelines. For borrowers with straightforward finances, the difference might be small. For anyone with variable income, self-employment, or a credit situation that doesn't fit a standard template, a broker can often find a path that a single bank can't. You can learn more about the loan programs we work with here.
What states do you serve?
Reed is licensed in Colorado. Ryan is licensed in both Colorado and Florida. Between the two of them, we cover borrowers in both states across all major loan types — conventional, FHA, VA, USDA, jumbo, and non-QM.
Do you charge for an initial consultation?
No. Your first conversation is just that — a conversation. We'll talk through your situation, answer your questions, and give you an honest read on your options. If it makes sense to move forward, we'll walk you through next steps. If it doesn't, we'll tell you that too.
Can you help if I've been turned down by another lender?
Often, yes. A denial from one lender doesn't mean you can't qualify. It may just mean that lender's guidelines didn't fit your profile. Because we work with hundreds of lenders, we can often find one with different qualifying criteria. This is especially common with self-employed borrowers, those with recent credit events, or people with non-traditional income sources.
How long does the mortgage process take with your team?
According to ICE Mortgage Technology's Origination Report, the national average for closing a mortgage is approximately 42 days. Our goal is to be at 21 days or less. The biggest variable is usually how quickly we receive the documents we need from you and third parties like appraisers and title companies.
Elevation Mortgage Disclaimer
Representative example only. Client details have been generalized to protect privacy. Results are not guaranteed and will vary based on individual financial profiles, lender availability, and market conditions. Bank statement qualification programs are available through select non-QM lenders and are subject to program-specific eligibility requirements. Not all borrowers will qualify. Closing timelines depend on borrower responsiveness, lender processing, and third-party services and may vary.