Colorado native, lives in Parker
Twenty-five years of Colorado loans: conventional, FHA, VA, USDA, jumbo, bank-statement, reverse and Same-Day Mortgage.
Financing · the lender the Kenna Real Estate Group trusts
Mike Oswald, VP of Mortgage Lending at Rate
Lending to Colorado homeowners since 2001. Mike runs pre-approvals, divorce refinances, buyouts and down-payment programs for Kenna clients every week, and he tells you before you write an offer whether the loan is real. NMLS 261003.
A live person answers. Not a robot, not a phone tree. Everything you tell us stays private.
CHFA, metroDPA, $1,000-down programs
The programs first-time and returning buyers actually qualify for, checked before you shop.
Fortune Best Mortgage Lender 2025
Founded 2000, Chicago HQ, 850-plus branches, 2 million-plus homeowners helped. Rate, Inc. NMLS 2611.
You may use any lender
Mike is our affiliate and the lender we trust. Kenna receives nothing for the introduction, and your choice of lender never changes how we work for you.
Meet Mike Oswald
The lender who checks the numbers before the offer.
VP of Mortgage Lending, Rate · NMLS 261003 · Rate, Inc. NMLS 2611
Affiliate lender of the Kenna Real Estate Group
Mike Oswald has been lending to Colorado homeowners since 2001. He is a Colorado native who lives in Parker, and his office is at 1221 S Clarkson St, Suite 301, Denver. Kenna clients call him first because he answers, he reads the contract and the decree, and he says no early when a loan will not work, which saves everyone a failed closing.
Programs: conventional, FHA, VA, USDA, jumbo, CHFA and metroDPA down-payment assistance, bank-statement loans for the self-employed, reverse mortgages, and Rate's Same-Day Mortgage. On divorce files he handles refinances to remove a spouse, buyouts, assumptions, and qualifying on maintenance and child support income.
Call or text Mike (303) 917-6737A live person answers. Email [email protected].
Lending since 2001NMLS 261003Rate, Inc. NMLS 2611Fortune Best Mortgage Lender 2025Same-Day Mortgage
Working with Mike
Three things that happen before you shop.
01 / The number
A real pre-approval, not a pre-qual.
Credit pulled, income and assets documented, a payment you can see. Sellers take the offer seriously because the lender already did the work.
02 / The programs
Every dollar of help you qualify for.
CHFA grants and deferred seconds, metroDPA for the Denver metro, VA with no down payment, FHA with 3.5 percent. Mike runs them side by side.
03 / The plan
What the payment buys, city by city.
Rate, taxes, insurance, HOA and mortgage insurance rolled into one honest number, then handed to your Kenna agent so the search starts in the right price band.
Kenna and Rate
Why Kenna partners with Rate.
Speed
Rate's Same-Day Mortgage can approve a complete file the day it is submitted. In a multiple-offer market, that is the difference.
Scale
Founded in 2000, headquartered in Chicago, 850-plus branches in all 50 states, more than 2 million homeowners helped. Fortune's Best Mortgage Lender for 2025 and Forbes' best for first-time buyers.
A person
None of that matters if nobody answers. Mike does, and so does the Kenna Real Estate Group. One text and both sides of your purchase are talking.
Affiliated business disclosure.
Get pre-approved
Mike Oswald and Rate, Inc. are an affiliate lender of the Kenna Real Estate Group. You are not required to use Rate as a condition of buying or selling a home with Kenna, you may shop and compare lenders, and Kenna receives no fee or thing of value for referring you. Rate, Inc. NMLS 2611, Equal Housing Lender.
Financing
How do I get pre-approved to buy a home in Colorado?
Call or text Mike Oswald at Rate, (303) 917-6737, or start the online application. Mike pulls credit, documents income and assets, checks every down-payment program you qualify for (CHFA, metroDPA, VA, FHA), and gives you a written pre-approval with a payment you can see. Your Kenna agent then starts the search in the right price band. Most pre-approvals are done within a day of a complete file.
Fit check
Which loan fits
First-time buyers
FHA at 3.5 percent down, CHFA grants and deferred seconds, metroDPA in the Denver metro, and the $1,000 cash-to-close path when it applies.
- Credit score and the program floor
- What the grant repays if you sell early
Veterans and service members
VA loans with no down payment and no mortgage insurance, including assumptions on existing VA loans.
- Certificate of eligibility
- Funding fee exemption if disabled
Move-up and downsizing
Conventional and jumbo, bridge options, and the contingent-liability rule when you still own the old house.
- Reserves after closing
- Timing the sale and the purchase
Divorce and buyouts
Refinance to remove a spouse, buyout funded in the same loan, and support income counted the way the agencies allow.
- Decree end dates vs. the three-year rule
- Which agency the file goes to
Intelligence reports provided by 
™
Free for every seller
Get your free Smart Pricing Report™
Before a sign goes in the yard, every Kenna seller gets the Smart Pricing Report™: three defensible prices, the comparable evidence with concessions netted out, a seller's net sheet and a written strategy for Colorado. Proprietary to Kenna, built on AgentCOS™ market intelligence. Not a generic CMA. Free.
Call or text 303-955-4220A live person answers. Not a robot, not a phone tree. We start on your report the same day.
Questions buyers ask about financing
Do I have to use Rate to work with Kenna?
No. Mike is the lender we trust and recommend, and you may use any lender you choose. Kenna receives nothing for the introduction.
What is the difference between pre-qualified and pre-approved?
Pre-qualified is a conversation. Pre-approved means credit was pulled and income and assets were documented, so a seller can rely on it. Kenna writes offers on pre-approvals.
How much do I need for a down payment?
As little as zero with VA or USDA, 3.5 percent with FHA, 3 to 5 percent with some conventional programs, and CHFA or metroDPA can cover part of it. Mike shows you the real cash to close, not just the down payment.
How long does a pre-approval take?
Usually one business day once Mike has your documents. Rate's Same-Day Mortgage can approve a complete file the same day.
Can I get a loan after a divorce, short sale or foreclosure?
Often yes, with waiting periods that depend on the program. Mike will tell you the date you become eligible and what to do between now and then.
What if my credit needs work first?
Ask about Kenna Credit Care, our mortgage-readiness program, and Mike will tell you which scores unlock which programs.
Free, private, no pressure
Ready to get pre-approved?
Free, no pressure. Call, text, or use the form below.
Call or text Mike (303) 917-6737
A live person answers. Not a robot, not a phone tree.
A note on advice
Kenna Real Estate Group at Keller Williams Realty DTC, LLC is a real estate brokerage, not a lender. Loan programs, rates and approvals are provided by Rate, Inc. (NMLS 2611) through Mike Oswald (NMLS 261003), subject to credit approval. This page is not a commitment to lend. Equal Housing Opportunity. Equal Housing Lender.
Ask Mike about financing
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