We’re proud to offer our customers the advantages and tools of a large, financially secure lender, with the agility and small company feel that allows us to continue creating exceptional experiences for our customers.

Our Philosophy

“Our job is to help people get the best home loan possible, at a competitive price, while taking care of them as if they were a member of our own family.”- CEO Robert Carter

Privately-Owned Direct Lender

We focus on perfecting the process and providing the one-on-one personal relationship with our customers, not growing portfolios and pacifying shareholders.

Recognized & Reliable

Corporate is celebrating 25 years of excellence. Our Lakewood, CO branch is celebrating 14 years.  Over the last 11 years, we have maintained an A+ rating with the BBB and a Gold Star rating. Woot woot!


Meet our great team of local Colorado mortgage lenders and staff.

Branch Manager & Senior Loan Officer

Throughout Evan's 14 years in the mortgage industry, he has helped hundreds of individuals and their families qualify for a mortgage even when it was thought impossible. Evan is an award winner for the Five Star Mortgage Professional Award for 2015-2018. He is licensed to originate loans in Colorado, California, Florida, Texas, Oregon, and Washington. When Evan isn’t at the office, he enjoys spending time with his wife. They are both very proud pet parents to their adorable rescued bulldog/boxer mix named Sully. NMLS# 128384

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Senior Loan Officer

Darren is a senior loan officer with many years of experience in the mortgage industry. He has earned the trust and referrals of many families and real estate professionals in our community. He is licensed in Colorado and California. "I’ve built my business by providing great communication, fast approvals and consistent on-time closings, all delivered with the highest level of local personal service. I consider it an honor and a privilege to assist our clients with one of the largest financial transactions of their lives". NMLS# 216922

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Loan Officer

Maria has been a great addition to the team. She has joined our team in 2015, with a couple decades of experience under her belt.  She takes the time to explain the details to every client and goes above and beyond in helping clients come up with a plan of attack in order to begin the process of a pre-approval. Maria also speaks Spanish! Se habla español. Por favor, si necesita ayuda en español, mande un correo electrónico a Maria. NMLS# 376894

Maria's Reviews


Jessica is our processor and an industry veteran. Throughout her 13 years in the mortgage industry, she has assisted our branch with all aspects of the mortgage loan process, from initial application all the way to post-closing. She is extremely detail-oriented, organized and knowledgeable. She strives to make the mortgage loan process as painless as possible for our clients. She has worked with Evan and Darren for several years. They have developed a great team environment. When Jessica is not working, she enjoys spending time with her husband and their two sons.

Loan Originator Associate

Betty has been involved in the industry since the 80's. Working as a real estate agent, a title representative, a loan officer and now our loan officer assistant. She can assist with any sort of questions you may have on mind.


What are our clients are saying about us?

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I’m a first time home buyer and Evan was always available to answer all of my questions! He was so helpful and made it a great experience.

The process was effortless​ on my end. They did all the research and found me every avenue to take for the best deal. If you are looking for a lender, give them a call.
Evan was very knowledgeable. He worked around the clock, giving us advice, in addition to providing us with the necessary documents throughout the process.


Gain Some Basic Knowledge On Our Loan Process

1 Get Started

First off, let's get to know one another, shall we? Are you Purchasing, refinancing, looking into an investment property, have no idea how much you qualify for, are you a Active Duty Military or a Veteran, or maybe you're self-employed and not sure how to qualify? This is where we answer any questions you may have, discuss your goals and begin to create a financing game plan.

2 Loan Application

After creating your financing game plan, we begin the loan application, verify your credit score, help you determine how much you qualify for and get you a pre-approval letter making you a more credible buyer. What's difference between a pre-qualification and pre-approval? At Summit Mortgage Corporation, a pre-qualification takes just a few minutes to answer some financial questions along with a quick credit check and review with our automated underwriting system and we tell you how much you can borrow. A Pre-approval is where we verify your assets and income to show home sellers that you are a serious buyer. This is huge in highly competitive markets. Now go shop for your new home!

3 Shop and Process

Shop around for your ideal home with a reputable real estate agent. If you need us to refer you to an agent, we can help you with that just as well. Once you have found your perfect home and your contact is accepted, it’s time to gather any missing documents from the qualifying stage, electronically sign initial disclosures and begin processing your loan.

4 Lock Your Rate

We lock your rate and submit your loan to our underwriting team. Your loan officer will typically receive a “Conditional Approval” naming any items that the underwriter wishes to see and review in order to officially approve your loan.

5 Appraisal & Title

We order, schedule, complete, and review your appraisal and title. We then prepare your loan for closing and provide wiring instructions. Verification and conditions is essential where we review and provide any final information that we may need from you. We then go over all the loan documentation with you and schedule the signing. You have finally made it this far and you are so close to becoming a real deal homeowner.

6 Close

We arrive to our scheduled closing where you sign all required documents. Both the seller and buyer have their own portion of documents to complete and sign. We confirm the details like funding and recording. The seller will then hand over the almighty keys to your new home!  Congratulations! You made it through the process and now have a place you can call your own! A party is in order!

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