COLORADO

CHEROKEE BRANCH

1080 Cherokee St, 

Denver, CO 80204

Phone: (303) 321-8800

Tammy Yarnell

Loan Officer

Cherokee Branch in CO

NMLS 234497

tyarnell@megastarfinancial.com

Pamela Todd

Loan Officer

Cherokee Branch in CO

NMLS 182195

ptodd@megastarfinancial.com

Leah Johnson

Loan Officer

Cherokee Branch in CO

NMLS 133617

ljohnson@megastarfinancial.com

John Rocco

Loan Officer

Cherokee Branch in CO

NMLS 286284

jrocco@megastarfinancial.com

Joe Ratledge

Mortgage Loan Originator

Cherokee Branch in CO

NMLS 234474

jratledge@megastarfinancial.com

Tammy Yarnell

Loan Officer

Cherokee Branch in CO

NMLS 234497

tyarnell@megastarfinancial.com

Pamela Todd

Loan Officer

Cherokee Branch in CO

NMLS 182195

ptodd@megastarfinancial.com

Leah Johnson

Loan Officer

Cherokee Branch in CO

NMLS 133617

ljohnson@megastarfinancial.com

John Rocco

Loan Officer

Cherokee Branch in CO

NMLS 286284

jrocco@megastarfinancial.com

Joe Ratledge

Mortgage Loan Originator

Cherokee Branch in CO

NMLS 234474

jratledge@megastarfinancial.com

Jeff Bean

Loan Officer

Cherokee Branch in CO

NMLS 234424

jbean@megastarfinancial.com

Jeff Bjorlin

Loan Officer

Cherokee Branch in CO

NMLS 318363

jbjorlin@megastarfinancial.com

Troy Zundel

Loan Officer

Cherokee Branch in CO

NMLS 5123

tzundel@megastarfinancial.com

Jeff Bean

Loan Officer

Cherokee Branch in CO

NMLS 234424

jbean@megastarfinancial.com

Paul Orrell

Loan Officer

Cherokee Branch in CO

NMLS 267689

porrell@megastarfinancial.com

Frank Propati

Branch Manager & Loan Officer

Cherokee Branch in CO

NMLS 68623

fpropati@megastarfinancial.com

Jeff Bjorlin

Loan Officer

Cherokee Branch in CO

NMLS 318363

jbjorlin@megastarfinancial.com

Troy Zundel

Loan Officer

Cherokee Branch in CO

NMLS 5123

tzundel@megastarfinancial.com

Paul Orrell

Loan Officer

Cherokee Branch in CO

NMLS 267689

porrell@megastarfinancial.com

Frank Propati

Branch Manager & Loan Officer

Cherokee Branch in CO

NMLS 68623

fpropati@megastarfinancial.com

Becky Smith

Loan Officer

Cherokee Branch in CO

NMLS 236441

bsmith@megastarfinancial.com

Raven Ramirez

Loan Officer

Cherokee Branch, Utah Based

NMLS 1996910

raven@megastarfinancial.com

Cameron Burl

Loan Officer

Cherokee Branch in CO

NMLS 843648

cburl@megastarfinancial.com

Kristian Spuckes

Loan Officer

Cherokee Branch in CO

NMLS 1215935

kspuckes@megastarfinancial.com

Rebecca Lorenz

Loan Officer

Cherokee Branch in CO

NMLS 403242

rebecca@megastarfinancial.com

Becky Smith

Loan Officer

Cherokee Branch in CO

NMLS 236441

bsmith@megastarfinancial.com

Raven Ramirez

Loan Officer

Cherokee Branch, Utah Based

NMLS 1996910

raven@megastarfinancial.com

Cameron Burl

Loan Officer

Cherokee Branch in CO

NMLS 843648

cburl@megastarfinancial.com

Kristian Spuckes

Loan Officer

Cherokee Branch in CO

NMLS 1215935

kspuckes@megastarfinancial.com

Rebecca Lorenz

Loan Officer

Cherokee Branch in CO

NMLS 403242

rebecca@megastarfinancial.com

James Stinar

Loan Officer

Cherokee Branch in CO

NMLS 2102810

jstinar@megastarfinancial.com

James Stinar

Loan Officer

Cherokee Branch in CO

NMLS 2102810

jstinar@megastarfinancial.com

Trent Peaker

 Loan Officer

Cherokee Branch in CO

NMLS 42391

tp@megastarfinancial.com

Michael Stone

Loan Officer

Cherokee Branch in CO

NMLS 1120929

mstone@megastarfinancial.com

John Ochoa

Loan Officer

Cherokee Branch in CO

NMLS 2333465

jochoa@megastarfinancial.com

David Hans

Loan Officer

Cherokee Branch in CO

NMLS 1629066

dhans@megastarfinancial.com

Trent Peaker

 Loan Officer

Cherokee Branch in CO

NMLS 42391

tp@megastarfinancial.com

Michael Stone

Loan Officer

Cherokee Branch in CO

NMLS 1120929

mstone@megastarfinancial.com

John Ochoa

Loan Officer

Cherokee Branch in CO

NMLS 2333465

jochoa@megastarfinancial.com

David Hans

Loan Officer

Cherokee Branch in CO

NMLS 1629066

dhans@megastarfinancial.com

CHERRY CREEK BRANCH

3773 Cherry Creek North Drive #125, 

Denver, CO 80209

Phone: (720) 214-7670

Mike Perez

Loan Officer

Cherry Creek Branch in CO

NMLS 900153

mperez@megastarfinancial.com

Brady Banks

Branch Manager & Loan Officer

Cherry Creek Branch in CO

NMLS 236920

bbanks@megastarfinancial.com

Michael Dye

Loan Officer

Cherry Creek Branch in CO

NMLS 502148

mdye@megastarfinancial.com

Jonathan Kelly

Loan Officer

Cherry Creek Branch in CO

NMLS 245781

jkelly@megastarfinancial.com

Jason Northway

Loan Officer

Cherry Creek Branch in CO

NMLS 1949383

jnorthway@megastarfinancial.com

Mike Perez

Loan Officer

Cherry Creek Branch in CO

NMLS 900153

mperez@megastarfinancial.com

Brady Banks

Branch Manager & Loan Officer

Cherry Creek Branch in CO

NMLS 236920

bbanks@megastarfinancial.com

Michael Dye

Loan Officer

Cherry Creek Branch in CO

NMLS 502148

mdye@megastarfinancial.com

Jonathan Kelly

Loan Officer

Cherry Creek Branch in CO

NMLS 245781

jkelly@megastarfinancial.com

Jason Northway

Loan Officer

Cherry Creek Branch in CO

NMLS 1949383

jnorthway@megastarfinancial.com

1st CITY MORTGAGE

155 Boardwalk Dr, Suite 400,

Fort Collins, CO 80525

Phone: (970) 266-9111

Kris Hocum

Loan Officer

1st City Branch in CO

NMLS 669530

kris.hocum@mtggroup.com

Nancy Sanburg

Loan Officer

1st City Branch in CO

NMLS 286730

nancy.sanburg@mtggroup.com

Mick Occhiato

Loan Officer

1st City Branch in CO

NMLS 10245

moao@frii.com

Kris Hocum

Loan Officer

1st City Branch in CO

NMLS 669530

kris.hocum@mtggroup.com

Jennifer White

Loan Officer

1st City Branch in CO

NMLS 1614168

jwhite@mtggroup.com

Nancy Sanburg

Loan Officer

1st City Branch in CO

NMLS 286730

nancy.sanburg@mtggroup.com

Mick Occhiato

Loan Officer

1st City Branch in CO

NMLS 10245

moao@frii.com

FRISCO BRANCH

701 Granite St. Suite 220, 

Frisco, CO 80443

Phone: (970) 668-0239

Doug Sullivan

Branch Manager & Loan Officer

Frisco Branch in CO

NMLS 234570

doug@sulquist.com

Mary Frances Ahlquist

Branch Manager & Loan Officer

Frisco Branch in CO

NMLS 157324

mf@sulquist.com

Sarah Watson

Loan Officer

Frisco Branch in CO

NMLS 373916

swatson@megastarfinancial.com

Doug Sullivan

Branch Manager & Loan Officer

Frisco Branch in CO

NMLS 234570

doug@sulquist.com

Mary Frances Ahlquist

Branch Manager & Loan Officer

Frisco Branch in CO

NMLS 157324

mf@sulquist.com

Sarah Watson

Loan Officer

Frisco Branch in CO

NMLS 373916

swatson@megastarfinancial.com

HOLST MORTGAGE GROUP

8500 W. Bowles Ave. #301,

Littleton, CO 80123

Phone: 303-233-6410 x 203

Cindy Holst

Loan Officer

Holst Branch in CO

NMLS 321648

cholst@megastarfinancial.com

Cindy Holst

Loan Officer

Holst Branch in CO

NMLS 321648

cholst@megastarfinancial.com

STEAMBOAT SPRINGS

1855 Ski Time Square Dr,

Steamboat Springs, CO 80487

Phone: (970) 875-7395

Luke Carrier

Loan Officer

Steamboat Branch in CO

NMLS 275649

lcarrier@megastarfinancial.com

Luke Carrier

Loan Officer

Steamboat Branch in CO

NMLS 275649

lcarrier@megastarfinancial.com

VAIL BRANCH

PO Box 797

Avon, CO 81620

Phone: (970) 748-1234

Devon DeCrausaz

Loan Officer

Vail Branch in CO

NMLS 403918

devon@megastarfinancial.com

Devon DeCrausaz

Loan Officer

Vail Branch in CO

NMLS 403918

devon@megastarfinancial.com

WESTMINSTER BRANCH

12000 Pecos St. Suite 340,

Westminster CO 80234

Phone: (303) 452-8677

Shelly Johnson

Loan Officer

Westminster Branch in CO

NMLS 282915

sjohnson@megastarfinancial.com

Janice Ramos

Loan Officer

Colorado Based

NMLS 282109

jramos@megastarfinancial.com

Judy Stevens

Loan Officer

Colorado Based

NMLS 281065

jstevens@megastarfinancial.com

Donna Hudson

Mortgage Loan Originator

Colorado Based

NMLS 281581

dhudson@megastarfinancial.com

Janice Ramos

Loan Officer

Colorado Based

NMLS 282109

jramos@megastarfinancial.com

Judy Stevens

Loan Officer

Colorado Based

NMLS 281065

jstevens@megastarfinancial.com

Donna Hudson

Mortgage Loan Originator

Colorado Based

NMLS 281581

dhudson@megastarfinancial.com

Kari Morrison

Branch Manager & Loan Officer

Colorado Based

NMLS 284804

kmorrison@megastarfinancial.com

Shelly Johnson

Loan Officer

Westminster Branch in CO

NMLS 282915

sjohnson@megastarfinancial.com

Kari Morrison

Branch Manager & Loan Officer

Colorado Based

NMLS 284804

kmorrison@megastarfinancial.com

Margaret Skrbina

Loan Officer

Colorado Based

NMLS 294229

mskrbina@megastarfinancial.com

Elizabeth Williams

Loan Officer

Colorado Based

NMLS 161172

ewilliams@megastarfinancial.com

Chris Philpy

Loan Officer

Colorado Based

NMLS 288468

cphilpy@megastarfinancial.com

Elizabeth Williams

Loan Officer

Colorado Based

NMLS 161172

ewilliams@megastarfinancial.com

Chris Philpy

Loan Officer

Colorado Based

NMLS 288468

cphilpy@megastarfinancial.com

Margaret Skrbina

Loan Officer

Colorado Based

NMLS 294229

mskrbina@megastarfinancial.com

Loan Officers Licensed in Colorado

DANIEL SPERRY

Loan Officer

Hanson Planning Group

dsperry@megastarfinancial.com

(303) 830-6257

DOUG ROSETH

Loan Officer

Lakeville

droseth@megastarfinancial.com

(612) 327-9143

ERIKA DRAGICH

Loan Officer

Blaine

edragich@megastarfinancial.com

(612) 237-0404

JOSH HENNESY

Branch Manager & Loan Officer

Excelsior

josh@megastarfinancial.com

(612) 716-1187

MATT HANSON

Branch Manager & Loan Officer

Hanson Planning Group

matt@hansonplanninggroup.com

(303) 300-8601

NICOLE WILLIAMS

Loan Officer

Hanson Planning Group

nicole@hansonplanninggroup.com

(303) 300-8603

Doug Roseth

Loan Officer

Lakeville Branch in MN

NMLS 209011

droseth@megastarfinancial.com

Josh Hennesy

Branch Manager & Loan Officer

Excelsior Branch in MN

NMLS 452548

josh@megastarfinancial.com

Erika Dragich

Loan Officer

Blaine Branch in MN

NMLS 370095

edragich@megastarfinancial.com

Matt Hanson

Loan Officer

Hanson Planning Branch in FL

NMLS 235557

matt@hansonplanninggroup.com

Daniel Sperry

Loan Officer

Hanson Planning Branch in FL

NMLS 1618680

dsperry@megastarfinancial.com

Doug Roseth

Loan Officer

Lakeville Branch in MN

NMLS 209011

droseth@megastarfinancial.com

Nicole Williams

Loan Officer

Cherokee Branch in CO

NMLS 256034

nicole@hansonplanninggroup.com

Josh Hennesy

Branch Manager & Loan Officer

Excelsior Branch in MN

NMLS 452548

josh@megastarfinancial.com

Erika Dragich

Loan Officer

Blaine Branch in MN

NMLS 370095

edragich@megastarfinancial.com

Matt Hanson

Loan Officer

Hanson Planning Branch in FL

NMLS 235557

matt@hansonplanninggroup.com

Daniel Sperry

Loan Officer

Hanson Planning Branch in FL

NMLS 1618680

dsperry@megastarfinancial.com

Nicole Williams

Loan Officer

Cherokee Branch in CO

NMLS 256034

nicole@hansonplanninggroup.com

“A good reason why you may want to offer below 5% is when you’re paying with cash (although companies who offer sellers cash for their home will typically offer 65% below market price).”

Publisher: HomeLight
Article: Is It Too Low? What Is Reasonable to Offer Below Asking Price
Link: https://tinyurl.com/2jp6kbmh

    1098 forms were mailed 1/22/2023. 

    If you have questions or need assistance with your 1098 form, please send your question to servicing@megastarfinancial.com.