Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

NMLS: #257681

Cindy Faulkner

Pre-Approval Manager

With more than 30 years of experience in the mortgage industry, I understand that buying a home is more than just a transaction — it’s where life’s most meaningful memories begin.

Family is at the center of everything I do. I am blessed to be married with five children, one grandchild, and another on the way. Our home has always been the gathering place for family meals, celebrations, and time together. In fact, one of my favorite things in our home is our large dining room table, where everyone still gathers to share stories, laughter, and connection as our family continues to grow.

That love for family is what fuels my passion for helping others find a place to call home. I truly enjoy guiding families through the home financing process so they can begin building memories of their own.

With decades of experience, I know how to help navigate challenges, avoid common roadblocks, and make the mortgage process as smooth and stress-free as possible. I believe in being available, answering questions, and walking beside my clients every step of the way.

Helping people achieve homeownership is more than my career — it’s a privilege.

Licensed in:

CO

Specialties:

First-time Homebuyers

Investment Properties

One Time Closing Construction Loans

New Construction

VA Loans

Lending Specialties

First-time Homebuyers

Investment Properties

One Time Closing Construction Loans

New Construction

VA Loans

Why work with me?

1,200+

Families helped

30 Days

Average close time

30 years

Of experience

Real clients. Real results.

Chad was amazingly communicative and helped me with any questions i had along the way during the home buying process. He answered promptly whenever i texted whether it was 9pm on a tuesday or weekends. I loved working with him and he always had my best interests in mind when working on the loan.

Kevin

Our Website

Thank you thank you good bless you 🙌🙏

Maria Del Rocio Perez C

Our Website

Savannah possesses a unique blend of exceptional organizational skills and a captivating personality, enabling her to effectively manage any challenge with a positive attitude. We were challenged with closing a VA home loan (from the initial offer to receiving the keys) within a three-week timeframe, and we successfully accomplished this goal largely due to her invaluable contributions to our team. Highly recommended!

Jeff G

Facebook

Savannah possesses a unique blend of exceptional organizational skills and a captivating personality, enabling her to effectively manage any challenge with a positive attitude. We were challenged with closing a VA home loan (from the initial offer to receiving the keys) within a three-week timeframe, and we successfully accomplished this goal largely due to her invaluable contributions to our team. Highly recommended!

Jeffrey G

Our Website

James was an amazing help during our home buying process. He was real about expectations, honest and blunt (in a good way) about the realities of the loan and home buying process and timelines, as well as being great with keeping up with regular communication and questions. Great guy, would recommend!

Bryana H

Our Website

Mark is one of the best! He kept very good communication and answered any questions that we had!

Nicole M

Google

Wendy made the process simple and it was great!

Kerri D

Google

Dan was with us from the beginning and was wonderful through it all. I would recommend him 100%.

Amanda H

Google

Such a great experience!!! The staff at Knight Financial was extremely helpful in every step of our home buying process. The majority of signing and documentation is all done online and for someone like myself who is technically challenged they made the process very simple. Kim Nicols was always there to answer my every question. I would certainly recommend this team for your best home buying experience. Thank you to Brooke and your team.

Renate Ursula C

Google

Loan Programs

Spacious living room with comfortable seating, large windows, and stylish decor.
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

Featured

Beautiful modern craftsman-style house with a landscaped front yard and garage.
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

Featured

Man using smartphone at home, exploring conventional loan options.
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

Featured

Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)

Featured

Refinance Loan
Child on Veteran's shoulders with American flag, symbolizing VA loan benefits.
Supporting veterans and families with VA home loan options and resources.
VA Loans
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
Happy couple discussing FHA loan options at home.
FHA Loans
Beautiful blue house with landscaped yard, ideal for low down payment mortgage options.
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Beautiful house exterior with porch, windows, and landscaped yard.
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Happy couple working on home renovation inside a room with construction tools.
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Man using a laptop on a bean bag chair, promoting flexible bank statement loans.
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Nurse smiling with tablet, promoting first responder loan programs.
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Expanded Income Loans for Home Improvements.
Modern house with landscaped yard and garden.
Expanded Income Loans
Loan options for international clients seeking financial solutions.
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Expanded Credit Loans living room with modern furniture and cozy decor.
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
Seller PreLock Program for homeowners to secure home sale options.
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
Preferred Rate logo with financial graph and rate drop notification.
A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.

We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Loan Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

Customize taxes, insurance & HOA

Not required (Down payment ≥ 20%)
Estimated Monthly Payment

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Principal & Interest Mortgge Loan
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Property Tax Estimated
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Home Insurance Estimated
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HOA & PMI Fees
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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

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next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

  • Competitive rates
  • Expert support
  • Easy process