About Lou Tornambe
With more than 22 years of mortgage industry experience, Lou Tornambe helps homebuyers and homeowners across the Denver Metro and surrounding Colorado areas including, Arvada, Centennial, Lakewood, Parker, Highlands Ranch, Castle Rock, Littleton, Englewood, Cherry Creek, Cottonwood, Greenwood Village, Wheatridge and more! He specializes in: - FHA - Conventional - Jumbo - VA loans - Refinancing - Programs designed for first-time homebuyers. Lou combines deep knowledge of the local Denver housing market with a personalized approach, guiding clients through every step of the mortgage process from pre-approval to closing. His reputation for strong communication, attention to detail, and problem-solving has earned him recognition throughout the real estate and lending community. A former board member of the Society of Mortgage, Appraisal, Realtor and Title Professionals, Lou has built valuable industry relationships that help ensure smooth transactions and on-time closings for both clients and their real estate partners. Lou has also earned the Colorado Five Star Mortgage Professional award for over 13 years and has been recognized again this year for his commitment to outstanding client service. With the wide range of programs available through Guaranteed Rate Affinity, he's able to provide competitive financing options for both home purchases and refinancing. Outside of work, Lou enjoys spending time with his wife and kids, coaching youth sports, and staying active through biking, skiing, golf, tennis, cooking, and scuba diving. If you're buying a home or refinancing in the Denver Metro area, connect with Lou Tornambe to explore your mortgage options.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity. Guaranteed Rate Affinity its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 600 Grant Street, Suite 900 Denver CO, 80203
