Luke Carrier

  • Mortgage Loan Officer
  • NMLS: 275649
  • (970) 875-7398
  • (651) 503-3746
  • 1855 Ski Time Square Drive
  • Steamboat Springs, CO 80487
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I am truly passionate about my profession and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors.  My mission is to carefully guide clients through the entire home loan process so that they feel confident as they make choices about the many options available for their financing strategy.  With 20 years and a wide range of experience in the mortgage industry, my team and I stand ready to assist each and every step of the way.

"I understand that it’s not just a house, it’s your home."

A home is one of the largest financial commitments that a person will make during their life, and many people view their home financing as meaning just another monthly payment.  I can help my client realize that their home is truly a valuable financial tool, and will help them achieve the dreams and plans they envision for the future.


Our clients only think about home financing a few times during their lives- I think about it every single day.  It’s their home and their future.  It’s my profession and my passion.  I am ready to work for their best interest.

The whole experience with MSF was fantastic. Luke listened to our needs and set us up with the best mortgage for our situation. We couldn't be happier, and I would suggest working with Luke to anyone I know.

Peter H

Luke will always be the Loan Officer that we go to. He’s the best!

Kevin S

Luke will always be the Loan Officer that we go to. He’s the best!

Kevin S

The whole process was easy and effortless

Satisfied Customer

good communication and easy process

Pres R

Luke did a great job of explaining my options and efficiently ascertaining what I was looking for. Most importantly, he was then willing to be patient and wait until the rates got to where I wanted them rather than trying to persuade me to accept a higher rate so we could close more quickly or giving up on me because it took awhile.

Tom B

Luke was a pleasure to work with. Consistently responsive and patient with my sometimes dumb questions.

Nancy B

The process with Luke was easy and when I had problems I could reach out to Luke and he answered every single time I called and walked me thru the process patiently. I really appreciated his knowledge and willingness to help a computer challenged person whenever I needed help. He is an asset to your company.

Satisfied Customer

He has a very service


Nice professional experience

Sue R

Great experience!

Daniel Y