Helping all homebuyers in Colorado buy homes with confidence, without the stress.


Hi, I'm Lou Tornambe, a mortgage loan officer based in Colorado, helping clients navigate the home financing process with clarity and confidence for 25 years and thousands of families helped.


I specialize in working with first-time homebuyers, Veterans, investors, self-employed borrowers, reverse mortgage, and move up/move down buyers across Denver, CO and all surrounding areas offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like FHA, VA Conventional, Jumbo, Non-QM, Down Payment Assistance, and Reverse Mortgages  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- Fast closings, easy streamline mortgage process, step-by-step guidance, on time  
- Availability, even on weekends, with great communication.  
- Elite industry knowledge, easy to work with, willing to take the time to explain in detail


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.  
What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.  
How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped clients throughout Denver metro and ALL surrounding areas including but not limited to Centennial, Parker, Highlands Ranch, Englewood, Wheatridge, Arvada, Lakewood, Castle Rock, LOHI, Littleton, Cottonwood, Greenwood Village, Ken Caryl Valley, Aurora, Northglenn, Lone Tree, Golden, Broomfield, Louisville, Ft. Collins, Windsor, Cherry Hills, Congress Park, and Wash Park, Colorado secure financing for homes ranging from all prices and property types, and I'm proud to be a trusted resource for both buyers and local real estate agents.


Check out my client reviews below to see what it's like to work together. I'm proud to also share the following accomplishments:  
- 14yr multiple 5280 5Star Award recipient  
- Past board member of Society of Mortgage/Appraisal/Realtor/Title  
- President's Gold Award  
- 2025 Customer Service Recognition Award  
- Top NPS ratings


When I'm not helping clients, you'll find me spending time with my wife and kids, coaching youth sports, and staying active through biking, skiing, golf, tennis, cooking, and scuba diving.


I believe this business is about relationships—and being someone people can rely on long after closing.


If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

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)

Matt Carrell 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 (303) 547-5991 for more information!

Matt Carrell at Guaranteed Rate Affinity (NMLS #1050594)

Denver

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9 Loan Officers Denver, CO