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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.

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Local experts helping you plant roots in Colorado

who we help

How It Works

“Working with was an extraordinary experience from start to finish. The personal approach and attention to detail made our entire home buying journey seamless. We could not recommend them more highly.”

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About

Meet Your 303 Lending

What makes us, us.

Meet the Team

Justin Bell

Lindsey Rodriguez

Chaela Gerber

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.

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.

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• navigate('/about/steph-christianson')} className="group text-left"> The driving force behind our team, bringing vision, expertise, and a commitment to excellence in every transaction.
• navigate('/about/justin-bell')} className="group text-left"> Justin Bell 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.
• navigate('/about/lindsey-rodriguez')} className="group text-left"> Lindsey Rodriguez Loan Processor | Operations Ensures every file moves smoothly from application to closing, keeping you informed and stress-free throughout the process.
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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

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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

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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

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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.

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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

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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

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Mortgage Calculator

Smart Mortgage Calculator

Calculate Your Monthly Payment

Understanding Your Mortgage Payment

What Is a Mortgage Calculator?

How to Calculate Mortgage Payments

Why Pre-Approval Matters

Key Variables to Consider

Which Loan Program Fits You?

Ready to See Your Real Numbers?

LOAN PROGRAMS

Financial Planning Tool

Estimate your monthly payments, explore different scenarios, and make informed decisions about your Colorado home purchase.

Adjust the values below to see how different factors affect your payment.

Want a personalized rate quote based on your specific situation?

A mortgage calculator is an essential tool for anyone considering purchasing a home in Colorado. It allows you to estimate your monthly payments based on factors like loan amount, interest rate, and term. By understanding these numbers upfront, you can shop for homes within your budget and avoid surprises at closing.

Your monthly mortgage payment is determined by several factors working together:

Payment = Principal + Interest + Taxes + Insurance + PMI

While calculators provide estimates, a mortgage pre-approval gives you a precise borrowing amount based on your actual income, credit, and assets. In Colorado's competitive market, pre-approval letters show sellers you're a serious buyer and can give you an edge in multiple-offer situations.

Different loan programs offer different down payment requirements, interest rates, and qualifying criteria. Here's a quick comparison:

Down Payment:

Mortgage Insurance:

Best For:

Calculators are a great starting point, but nothing beats a personalized quote. We'll analyze your specific situation and provide accurate rates and payment options tailored to you.

© — Licensed in Colorado, Texas & Florida

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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.

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Justin Bell | Senior Mortgage Broker

Justin Bell

Areas of Expertise

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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.

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Lindsey Rodriguez | Loan Processor

Lindsey Rodriguez

Areas of Expertise

Experience the Difference

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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 24, 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.

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Chaela Gerber | Mortgage Broker

Chaela Gerber

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Ready to Work with Chaela?

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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.

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Blog | Your 303 Lending

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.

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Elegant mortgage solutions tailored to your unique financial goals.

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Licensed in Colorado, Texas & Florida

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Buy Before You Sell Program | Your 303 Lending

Purchase your dream home first, then sell your current property. Bridge financing solutions with Your 303 Lending. No double moves, no temporary housing.

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.

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• navigate('/mortgage-calculator')} className="px-8 py-3 rounded-lg text-sm font-medium transition-colors" style= >Calculate Savings Move Once No temporary housing or storage units needed Stronger Offers Non-contingent offers win in competitive markets Maximize Value Take time to prepare and stage your home properly The Process How It Works Advantages Why Buy Before You Sell? 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 Qualification Requirements Equity Requirements Financial Qualifications Each situation is unique. Contact us to discuss your specific circumstances and explore your options. Crunch the Numbers See how much home you can afford and explore different scenarios with our mortgage calculator. Try the Calculator Common Questions Frequently Asked Questions Ready to Make Your Move? Let us help you structure a buy-before-you-sell strategy that works for your unique situation. Start Your Application {branding.meetingLink && ( Schedule a Call
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