# Your 303 Lending > Steph Christianson, Broker | Owner at Your 303 Lending ## Contact - Email: steph@your303lending.com - Phone: (303) 668-6800 ## Pages - [Home](https://your303lending.com) - [About](https://your303lending.com/about) - [Services](https://your303lending.com/services) - [Contact](https://your303lending.com/contact) - [FHA Loans](https://your303lending.com/fha-loans) - [VA Loans](https://your303lending.com/va-loans) - [Conventional Loans](https://your303lending.com/conventional-loans) - [USDA Loans](https://your303lending.com/usda-loans) - [Jumbo Loans](https://your303lending.com/jumbo-loans) - [Mortgage Calculator](https://your303lending.com/mortgage-calculator) - [Steph Christianson | Broker | Owner](https://your303lending.com/about/steph-christianson) - [Justin Bell | Senior Mortgage Broker](https://your303lending.com/about/justin-bell) - [Lindsey Rodriguez | Loan Processor](https://your303lending.com/about/lindsey-rodriguez) - [Chaela Gerber | Mortgage Broker](https://your303lending.com/about/chaela-gerber) - [Blog | Your 303 Lending](https://your303lending.com/blog) — Get the latest mortgage tips, market insights, and home buying advice from Steph Christianson and the Your 303 Lending team. Stay informed about Colorado real estate. - [Buy Before You Sell Program | Your 303 Lending](https://your303lending.com/buy-before-you-sell) — Purchase your dream home first, then sell your current property. Bridge financing solutions with Your 303 Lending. No double moves, no temporary housing. - [Privacy Policy | Your 303 Lending](https://your303lending.com/privacy-policy) — Read the privacy policy for Your 303 Lending. Learn how we collect, use, and protect your personal information when you use our mortgage services and website. - [Terms of Service | Your 303 Lending](https://your303lending.com/terms-of-service) — Review the terms of service for Your 303 Lending. Understand the terms and conditions governing your use of our website and mortgage services. - [Sarah Moore | Mortgage Broker | Your 303 Lending](https://your303lending.com/about/sarah-moore) — Meet Sarah Moore, Mortgage Broker at Your 303 Lending. Sarah brings fresh energy and dedication to helping clients navigate their home financing journey with confidence and care. ## Home ### Your home. Your goals. Your mortgage. ### From first keys to fresh starts — there's a place for you here. ### Difference ### A Refined Process ### Trusted by Homeowners in Colorado, Texas & Florida ### Ready to begin? ### We're On It! ### See How Much You Could Save LOAN PROGRAMS Licensed in CO, TX & FL Your goals are unique. Whether you're buying or refinancing, Our 303 team puts dozens of lenders to work for you — so you walk away with a mortgage that actually fits your life. Colorado Living Local experts helping you plant roots in Colorado who we help How It Works Client Stories Based on 10 reviews on Google “ ” · Google Review Take the first step toward the home you have been dreaming about. We are analyzing your loan for potential savings. We'll be in touch soon! Upload your Loan Estimate and we'll analyze it for potential savings on your mortgage. Click or drag to replace Drag & drop your Loan Estimate here or click to browse (PDF, max 10MB) Please confirm your information is correct before submitting. Elegant mortgage solutions tailored to your unique financial goals. QUICK LINKS CONTACT Licensed in Colorado, Texas & Florida NMLS# Company NMLS# © — Licensed in Colorado, Texas & Florida Thanks! We'll be in touch with your personalized rate. Want a personalized rate? Enter your email and we'll send you one. ## About ### Meet Your 303 Lending ### What makes us, us. ### Meet the Team ### Justin Bell ### Lindsey Rodriguez ### Chaela Gerber ### Sarah Moore ### Your Next Chapter Starts Here. LOAN PROGRAMS About More Than Mortgages. We're Your Neighbors Licensed in Colorado, Texas & Florida NMLS# Company NMLS# is a collective of mortgage professionals dedicated to helping families achieve their homeownership dreams with integrity, expertise, and personalized service that makes the complex simple. Whether you are a first-time buyer navigating the process for the very first time or an experienced investor expanding your portfolio, our team provides the guidance and loan solutions to make your goals a reality. Every client receives the same meticulous attention to detail. As an independent brokerage, we shop dozens of lenders to find the best rates and terms for your unique situation, ensuring you get the mortgage that truly fits your life. No single person carries the load—we collaborate to deliver results. Our Values Our People Huge hearts. Real people. A team that shows up fully for every client we serve. The driving force behind our team, bringing vision, expertise, and a commitment to excellence in every transaction. Senior Mortgage Broker Branch Manager in Texas, helping families achieve homeownership across Texas and Colorado with expert guidance on conventional, FHA, VA, and jumbo loan programs. Loan Processor | Operations Ensures every file moves smoothly from application to closing, keeping you informed and stress-free throughout the process. Mortgage Broker Dedicated to finding the right financing solution for every client, making the mortgage process clear and accessible. Bringing fresh energy and dedication to helping clients navigate their home financing journey with confidence and care. We're growing with intention — and there's a seat at the table for you. Join us Ready to take the next step? Reach out for a free consultation and personalized rate quote. ## Services ### Loan Programs & Services ### Simple Steps to Your New Home ### Common Questions ### Not Sure Which Loan Is Right? LOAN PROGRAMS What We Offer Explore our range of mortgage solutions designed to fit every need, whether you are buying your first home or refinancing an existing loan. The Process Schedule a free consultation and Team Y3L will help you find the perfect program. © — Licensed in Colorado, Texas & Florida ## Contact ### Contact ### Thank you. ### Prefer to Schedule a Time? LOAN PROGRAMS Get In Touch info@your303lending.com NMLS# Your message has been received. will be in touch shortly. Something went wrong. Please try again. Book a call directly on our calendar. © — Licensed in Colorado, Texas & Florida ## FHA Loans ### FHA Loans ### What Are FHA Loans? ### Requirements ### 2026 FHA Loan Limits ### Benefits of FHA Loans ### Frequently Asked Questions ### Ready to Get Started? LOAN PROGRAMS Government-Insured Financing Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers. FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers. As little as 3.5% down with credit scores from 580 and above. Whether you are buying your first home or looking for more flexible qualification criteria, FHA loans provide government-backed security with terms designed for working families. *Subject to AUS Approval. Rates and requirements are subject to change. FHA loan limits vary by area. Here are the current limits by area type. Let us help you navigate the FHA loan process and find the perfect home financing solution. © — Licensed in Colorado, Texas & Florida ## VA Loans ### VA Loans ### What Are VA Loans? ### Eligibility Requirements ### Veterans ### Active Duty ### Guard & Reserves ### Exclusive Benefits ### Frequently Asked Questions ### Honor Your Service LOAN PROGRAMS For Those Who Served Honor your service with VA home loans designed for veterans, active military, and eligible spouses. Zero down payment, no PMI, and competitive rates. VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses, making homeownership more accessible and affordable. Zero down payment. No PMI. Competitive rates earned through your service. Let us help you take advantage of the VA loan benefits you have earned through your service. © — Licensed in Colorado, Texas & Florida ## Conventional Loans ### Conventional Loans ### What Are Conventional Loans? ### Requirements ### 2026 Conventional Loan Limits ### Frequently Asked Questions ### Ready to Get Started? LOAN PROGRAMS Traditional Financing The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers. Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations. Down payments as low as 3% for qualified first-time buyers. Explore your conventional loan options and find the perfect financing solution for your home. © — Licensed in Colorado, Texas & Florida ## USDA Loans ### USDA Loans ### Requirements ### Benefits of USDA Loans ### Frequently Asked Questions ### Ready to Explore USDA Loans? LOAN PROGRAMS Rural Development Program Get 100% financing in eligible rural and suburban areas. USDA loans offer zero down payment, low mortgage insurance rates, and flexible credit requirements for moderate-income homebuyers. Find out if your dream home is in a USDA-eligible area and start your journey to homeownership. © — Licensed in Colorado, Texas & Florida ## Jumbo Loans ### Jumbo Loans ### What Are Jumbo Loans? ### Qualification Requirements ### 2026 Loan Limits by Area ### Benefits & Features ### Frequently Asked Questions ### Which Jumbo Program Fits You? LOAN PROGRAMS Luxury Property Financing Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles, from first-time buyers to experienced investors. Jumbo loans, also known as non-conforming loans, are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets. Loan amounts from $832,751 up to $3,000,000 and beyond. Let our specialists analyze your profile and recommend the best jumbo program from our five specialized options. © — Licensed in Colorado, Texas & Florida ## Mortgage Calculator ### What does your home actually cost? ### Adjust the scenario ### Loan — What This Means ### Which loan program fits your situation? ### What actually drives your monthly payment ### Calculators estimate. Quotes confirm. LOAN PROGRAMS Adjust price, rate, and down payment. Watch your monthly payment update in real time — PITI included, no surprise fees. Inputs Total Monthly Payment Principal, interest, taxes, and insurance Down payment minimums, insurance requirements, and qualifying criteria vary significantly across programs. The right one depends on your credit, military service, property location, and how long you plan to stay. From Estimate to Reality Run your numbers through ours, then run your real scenario through us. We'll lock in an actual rate tailored to your credit, property, and timeline — usually within 24 hours. Broker | Owner NMLS Company NMLS © — Licensed in Colorado, Texas & Florida ## Steph Christianson | Broker | Owner ### Steph Christianson ### Areas of Expertise ### Ready to Work with Steph? ### QUICK LINKS ### CONTACT NMLS # | Company NMLS # With over a decade of experience in the Colorado mortgage industry, Steph has built Your 303 Lending on a foundation of trust, transparency, and exceptional client service. As Broker and Owner, she leads a team dedicated to making homeownership accessible to everyone. Steph specializes in helping first-time homebuyers navigate the complex mortgage landscape and guiding seasoned investors toward strategic financing solutions. Her deep knowledge of Colorado's diverse real estate markets, from Denver's urban core to the mountain communities, allows her to provide tailored advice that truly serves her clients' needs. Every client has a unique story, and every home purchase is a milestone. I believe my role is to be a trusted advisor who makes the journey to homeownership as smooth and rewarding as possible. Whether you're buying your first home or expanding your investment portfolio, Steph is ready to guide you through every step of the mortgage process. Your trusted mortgage partner in Colorado. We combine expertise with personalized service to help you achieve your homeownership dreams. Home About Services Contact NMLS: Company NMLS: ## Justin Bell | Senior Mortgage Broker ### Justin Bell ### Areas of Expertise ### Ready to Work with Justin? ### QUICK LINKS ### CONTACT NMLS #1613887 | Company NMLS #1102634 Justin Bell serves as Branch Manager for Your 303 Lending's Texas operations while also maintaining an active presence in Colorado. With deep expertise in conventional, FHA, VA, and jumbo loan programs, Justin has helped hundreds of families achieve their homeownership dreams across two of the nation's most dynamic real estate markets. As a Senior Mortgage Broker, Justin specializes in complex loan scenarios that require creative solutions. Whether you're a first-time buyer exploring your options, a veteran utilizing your VA benefits, or a high-net-worth individual seeking jumbo financing, Justin brings the same level of dedication and attention to detail to every transaction. Homeownership isn't just a transaction—it's a foundation for building wealth and creating stability for your family. I take that responsibility seriously, and I'm committed to finding the right financing solution for every client, no matter how unique their situation may be. Whether you're in Texas, Colorado, or looking to invest across state lines, Justin has the expertise to guide you through every step of your mortgage journey. Your trusted mortgage partner in Colorado. We combine expertise with personalized service to help you achieve your homeownership dreams. Home About Services Contact NMLS: Company NMLS: ## Lindsey Rodriguez | Loan Processor ### Lindsey Rodriguez ### Areas of Expertise ### Experience the Difference ### QUICK LINKS ### CONTACT Operations Manager | Behind Every Smooth Closing Linds has been a Mortgage Processor for 5+ years, and what keeps her coming back every day is simple — being part of the journey to homeownership. At a young age, she knows firsthand that a lot of people her age don't think owning a home is possible yet. That's exactly what makes her work so meaningful. Whether she's guiding a young first-time buyer or someone who has waited years for this moment, getting to be part of that milestone never gets old. When she's not processing loans, you'll find her out on the golf course with her husband — a hobby that started casually and quickly turned into a full-blown obsession (her words, and her wallet agrees 😄). There's something about the calm of the course she can't quite put into words, but it's become her favorite happy place. One thing you should know about Linds: give her a challenge and she's in. It's just who she is — and honestly, it's what makes her so great at what she does. With Lindsey managing your file and our team guiding the way, your mortgage process will be smooth, transparent, and stress-free from start to finish. Your trusted mortgage partner in Colorado. We combine expertise with personalized service to help you achieve your homeownership dreams. Home About Services Contact NMLS: Company NMLS: ## Chaela Gerber | Mortgage Broker ### Chaela Gerber ### Areas of Expertise ### Ready to Work with Chaela? ### QUICK LINKS ### CONTACT NMLS #2125414 | Company NMLS #1102634 Chaela Gerber brings a fresh perspective and unwavering dedication to every client relationship at Your 303 Lending. As a Mortgage Broker, she is passionate about demystifying the mortgage process and empowering clients with the knowledge they need to make confident decisions about their financial future. Chaela excels at matching clients with the right loan programs for their unique circumstances, whether they're first-time buyers taking their initial step into homeownership, families looking to upgrade to their dream home, or individuals exploring refinancing options. Her patient, educational approach ensures that no question goes unanswered and no concern goes unaddressed. I believe everyone deserves access to clear, honest information about their mortgage options. My goal is to be the broker who takes the time to explain every detail, explore every option, and ensure my clients feel completely confident in their decisions. A well-informed client is an empowered client. Whether you have questions about the mortgage process or you're ready to get pre-approved, Chaela is here to provide the guidance and support you need. Your trusted mortgage partner in Colorado. We combine expertise with personalized service to help you achieve your homeownership dreams. Home About Services Contact NMLS: Company NMLS: ## Blog | Your 303 Lending ### Blog LOAN PROGRAMS Market insights and mortgage tips from No blog posts yet. Check back soon! Elegant mortgage solutions tailored to your unique financial goals. QUICK LINKS CONTACT Licensed in Colorado, Texas & Florida NMLS# Company NMLS# © — Licensed in Colorado, Texas & Florida ## Buy Before You Sell Program | Your 303 Lending ### Buy Before You Sell ### Move Once ### Stronger Offers ### Maximize Value ### How It Works ### Why Buy Before You Sell? ### Qualification Requirements ### Equity Requirements ### Financial Qualifications ### Crunch the Numbers ### Frequently Asked Questions ### Ready to Make Your Move? LOAN PROGRAMS Bridge Financing Solution Purchase your dream home first, then sell your current property. No double moves, no temporary housing, no rushed decisions. No temporary housing or storage units needed Non-contingent offers win in competitive markets Take time to prepare and stage your home properly The Process Advantages In today's competitive real estate market, timing is everything. Our bridge financing program gives you the flexibility and financial power to secure your next home on your terms. Eligibility Each situation is unique. Contact us to discuss your specific circumstances and explore your options. See how much home you can afford and explore different scenarios with our mortgage calculator. Common Questions Let us help you structure a buy-before-you-sell strategy that works for your unique situation. © — Licensed in Colorado, Texas & Florida ## Privacy Policy | Your 303 Lending ### Privacy Policy LOAN PROGRAMS Last Updated: May 22, 2026 Placeholder Document This is a placeholder privacy policy. Please replace each section below with legally reviewed language appropriate for Your 303 Lending. Elegant mortgage solutions tailored to your unique financial goals. QUICK LINKS CONTACT Licensed in Colorado, Texas & Florida NMLS# Company NMLS# © — Licensed in Colorado, Texas & Florida ## Terms of Service | Your 303 Lending ### Terms of Service LOAN PROGRAMS Last Updated: May 22, 2026 Placeholder Document This is a placeholder terms of service document. Please replace each section below with legally reviewed language appropriate for Your 303 Lending. Elegant mortgage solutions tailored to your unique financial goals. QUICK LINKS CONTACT Licensed in Colorado, Texas & Florida NMLS# Company NMLS# © — Licensed in Colorado, Texas & Florida ## Sarah Moore | Mortgage Broker | Your 303 Lending ### Sarah Moore ### Areas of Expertise ### Ready to Work with Sarah? ### QUICK LINKS ### CONTACT NMLS #1838670 | Company NMLS #1102634 Sarah Moore brings fresh energy and a client-first approach to the Your 303 Lending team. As a Mortgage Broker, she is dedicated to helping individuals and families navigate the home financing process with confidence and clarity. Sarah believes that every client deserves a mortgage experience that is transparent, supportive, and tailored to their unique goals. She takes the time to understand each client's story, ensuring that they feel informed and empowered at every step of the journey. Homeownership is a milestone worth celebrating, and I'm here to make sure the path to get there feels as exciting as the destination itself. Whether you're buying your first home or refinancing, Sarah is ready to guide you through every step of the mortgage process with personalized care and attention. Your trusted mortgage partner in Colorado. We combine expertise with personalized service to help you achieve your homeownership dreams. Home About Services Contact 720-210-7153 sarah@your303lending.com NMLS: 1838670 Company NMLS: