Home Financing, Simplified.
Expert Guidance Every Step of the Way.

Tap into a network of top lenders through one trusted broker. We compare rates, loan programs, and options tailored to your goals — so you can make confident decisions with clarity and support.

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Takes two minutes.

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Currently offering loans in AK, AZ, CO, FL, GA, ID, LA, TX, UT, and WA.

The Trailhead Team

One team, working for you.

We’re a team of former U.S. Air Force fighter pilots, real estate professionals, and business owners — brought together by a shared mission: to help you navigate the loan process with clarity and confidence. From finding the right product and rate to minimizing closing costs and hitting your timeline, we’re here to make sure every detail is covered — and every decision is informed.

Let’s Get Started – Apply here

Our Loan Programs

Personalized solutions for every situation.

No matter what your home-buying, refinancing, renovation, or construction situation is, we’ll find you the right loan.  If you’ve already settled on a loan product, chances are that we can find a more competitive rate or lower fees — give us a try.  There’s never an obligation and we hate sales pitches and jargon as much as you do.

Want to estimate your monthly payments or see how much you can afford?  Try our free mortgage calculators.

 

Conventional loans

Whether it’s for a new primary residence, a refinance, a vacation home, or even an investment property, conventional loan products from Fannie Mae and Freddie Mac are great solutions.

VA Loans

For those who are serving or have served in our military, first, thank you!  As Veterans ourselves, we understand what a great benefit the VA loan is and we can help you with purchases and refinances.

Jumbo Loans

If you have a loan amount that’s above the county conforming limit, let us help find the best product to meet your needs and your budget.  Our jumbo loan solutions can meet a wide variety of needs.

FHA Loans

FHA loans may be perfect if the situation calls for looser financial requirements or you need a lower down payment option.  We can help you find out if your scenario qualifies for an FHA loan.

Self-Employed Borrowers

As business owners, we understand the intersection of personal and business finances.  We have solutions for entrepreneurs, independent contractors, and business owners when it comes to home financing.

Unique Situations

Our non-qualified mortgage solutions are perfect for situations that are outside of the box.  When you can’t seem to find a financing solution that works, let us help you solve the problem.

Construction Loans

From ground-up projects or land/home combinations, our one-time-close and stand-alone construction loans can help you get the job done.

Rehab and renovation

Looking to do some substantial work to an existing property?  Whether you own the property or are looking to purchase it, we have loan products to meet your needs.  

Career-specific loans

Many of our lenders offer specialized products to certain career fields like physicians and dentists.  Talk with us to learn about your options.

Rural Residential land

Yes, we can do land loans!  If you’re looking at a piece of rural land under 5 acres, we have solutions to help you purchase, refinance, or get money out to put toward construction.

HObby farm / large rural lot

If you’ve found a larger lot (5-160 acres), we have a loan product to meet your needs.  Whether it’s small-scale agriculture or just bare land, let us help with purchases or refinancing.

farm and ranch loans

Whether you’re interested in cattle feedlots, timber, working ranches, orchards, or other commercial agricultural land, we can help with purchases, refinances, and cash-outs.

Testimonials and Reviews

Our borrowers say it best.

Overall, Luke made the journey to purchasing a home very easy. He was easy to speak to, he earned our trust and this made everything feel seamless. Every question was answered in an expeditious manner, and he went the distance to make sure you understood the process. In the face of potential roadblocks, possible solutions were brought up and explained thoroughly.

I would definitely recommend using Luke at Trailhead for all your mortgage loan needs

K Tjon

Arizona

The customer service Trailhead Mortgage provides is something you just don’t see these days, all while providing the lowest interest rates available. I will certainly recommend them to any friend or family member who is looking to purchase a home in the Denver/ Colorado Springs area.
T Behm

Colorado

Brandon LaValley and the entire crew at Trailhead Mortgage are by far the best mortgage team that we have ever worked with. They are honest, highly responsive and straight to the point. This was our 4th purchase in 10 years and was hands down the best experience. 

J Charlebois

Colorado

I’ve worked with Corey on 3 occasions. He’s absolutely as good as they get. Responsive 24/7, creatively overcomes challenges (including an appraisal issue on last encounter), and A+ on all dimensions.
D Thawley

Idaho

Great work! At closing, the title company remarked that my loan had the best terms they had seen… Thanks again
D Lauber

Idaho

Jeff was a refreshing joy to work with. The amount of personal attention he gave to me and my family was immeasurable! He was available to answer the tiniest of questions and would get back with me in a very rapid manner. His knowledge base was incredible as well. He has a talent for describing financial issues and figures in a way that made it very understandable to me without using big terms or catch phrases. I was truly lucky to have found Jeff and Trailhead Mortgage. His team is top notch and I will definitely be utilizing their services in the future. Thank you for helping my family get into our dream home!
C Lunbeck

Idaho

Get in touch

Want to learn more?

 

We’re currently licensed in AK, AZ, CO, FL, GA, ID, LA, TX, UT, and WA.

We’re here to answer your questions — no pressure, just straight answers. Give us a call and let’s talk about what’s possible for your home financing journey.

 

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800-979-8450

Stratec LLC dba Trailhead Mortgage

NMLS # 2013059

NMLS Consumer Access

Licensing Information