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  
- First-time homebuying  
- Reverse mortgage


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.

VP of Mortgage Lending

Lou Tornambe is your Denver local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lou is committed to helping homeowners with home purchase loans and refinances. Contact Lou at (303) 880-9977 for more information!

Lou Tornambe at Guaranteed Rate Affinity (NMLS #257554)

I am proud to be a Colorado native, and helping people with their real estate needs here in our wonderful state has been my passion since 2001. I love helping others discover the joy of home ownership and I’m excited about every opportunity to share in the experience. I was born in Boulder, raised in Littleton, earned my undergraduate degree in Finance and Real Estate from CSU and I now work in and around the Denver metro area.



When I’m not helping others achieve their dreams, I love spending time outdoors (a great benefit of living here in CO), running, biking, skiing & hiking.



I work hard to ensure every client has a positive, memorable experience and have built my business on referrals. I look forward to serving your mortgage needs.

Kirsten Harris is your Denver local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Kirsten is committed to helping homeowners with home purchase loans and refinances. Contact Kirsten at (720) 217-8916 for more information!

Kirsten Harris at Guaranteed Rate Affinity (NMLS #1690814)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing and refinancing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Regional Manager

Matt Cope is your Denver  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Matt is committed to helping homeowners with home purchase loans and refinances. Contact Matt at (720) 920-6800 for more information!

Matt Cope at Guaranteed Rate Affinity (NMLS #1826692)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Sam Skipworth is your Denver  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Sam is committed to helping homeowners with home purchase loans and refinances. Contact Sam at (303) 557-3844 for more information!

Sam Skipworth at Guaranteed Rate Affinity (NMLS #1389532)

Dake Carroll is your Northern Colorado local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Dake is committed to helping homeowners with home purchase loans and refinances. Contact Dake at (970) 214-2602 for more information!

Dake Carroll at Guaranteed Rate Affinity (NMLS #316856)

With more than 23 years of experience in the mortgage industry, Matthew Hibler is dedicated to helping clients achieve their homeownership goals. As Senior Vice President of Mortgage Lending, Matthew leads a team committed to delivering exceptional service, building lasting relationships with clients, partners, and the Colorado community.


Matthew's expertise and commitment to excellence have earned him national recognition as a top originator by the Scotsman Guide, as well as multiple President's Club Awards.


Whether you are a first-time homebuyer or a seasoned investor, Matthew and his team are here to guide you through every step of the mortgage process with professionalism, integrity, and a personal touch.

SVP of Mortgage Lending

Matthew Hibler is your Denver  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Matthew is committed to helping homeowners with home purchase loans and refinances. Contact Matthew at (303) 916-1666 for more information!

Matthew Hibler at Guaranteed Rate Affinity (NMLS #287502)

Steve Jaccaud is excited to join the Guaranteed Rate Affinity Team. Throughout his career, he has focused on delivering an exceptional client experience and always leading with what's in the best interest of the customer.


After 20 years in sales and marketing at Anheuser-Busch, Steve transitioned into real estate, entering the mortgage industry in 2019. Since then, he has helped more than 300 individuals and families achieve their homeownership and real estate goals, with a particular focus on how real estate can support long-term wealth generation.


Outside of work, Steve is an avid golfer and a loyal Kansas Jayhawks fan. He lives in Littleton with his wife, Nicci, and their children, Stevie and Willie—who may not share his enthusiasm for golf or Jayhawks basketball, but happily indulge him.

Steve Jaccaud is your Denver  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Steve is committed to helping homeowners with home purchase loans and refinances. Contact Steve at (303) 301-6970 for more information!

Steve Jaccaud at Guaranteed Rate Affinity (NMLS #1965894)

Keren Rubenstein is your Denver  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Keren is committed to helping homeowners with home purchase loans and refinances. Contact Keren at (303) 513-1838 for more information!

Keren Rubenstein at Guaranteed Rate Affinity (NMLS #382757)

Denver

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8 Loan Officers Denver, CO