Our Process

Are you Purchasing, Refinancing or Buying & Selling?

Purchasing

  • FHA

  • VA

  • USDA

  • Conventional

  • First Time Buyer / Down Payment Assistance

  • Specializing in Denver & Colorado Springs Markets

Refinancing

  • Rate and Term (lower payment)

  • Cash-out

  • Debt Consolidation

Buying & Selling

  • Specializing in Denver & Colorado Springs Markets

  • Seamless Experience

  • Minimize Stress

  • Maximize Profit

OUR TEAM

Mike O'Brien NMLS # 1340152

Matthew Wentz NMLS #1852397

Zach Belloni NMLS #2568001

Testimonials


This was my fiancé and I first time buying a home and I connected with Zach from speak straight mortgage and from day 1 he made the whole home buying experience very comfortable and very easy. His father in law Mike was also there every step of the way along with Matt! Those 3 Gentlemen made the whole home buying process so smooth for us that alls we had to do was go look at homes and put in an offer and the guys at speak straight took care of everything else! Thank you Zach, Mike, and Matt for helping us purchase our first home! Will definitely recommend anyone I know looking for their dream home!!

Michael


I can't say enough good things about Speak Straight Mortgage, especially Matthew Wentz. I’ve been trying to buy a home for so many years, and at times I felt completely hopeless. But Matthew changed everything. Not only did he explain how the system works—he actually sat down with me and showed me step by step. He made sure I understood every part of the process and never made me feel rushed or overwhelmed. Thanks to his patience, knowledge, and genuine care, I finally feel like I was given a real chance. I’m beyond grateful for his help. If you're looking for someone who truly goes above and beyond, talk to Matthew!.

Hassan


Mike is a true pro! We just completed another transaction together and there were SMILES all around the closing table! Mike and his team are trustworthy, reliable, honest, hard working, super knowledgeable on all facets of the lending business. I'm looking forward to our next transaction together.

Bill

Our Client Experience

Confusion (Before Meeting With Us)

Spent Hours Online Looking For Answers

Confused

Clarity (After Meeting With Us)

Gaining Clarity

Confidence (After Meeting Our Realtor Partners)

Enjoy Your Finding Your New Home

Rate Update

May 12 2025 Market Update

May 12 2025 Market Update

Looking for the latest mortgage rates? This May 12, 2025, update highlights current rates and APRs for FHA, VA, and Conventional loans based on a $400,000 purchase or refinance. It also includes updat... ...more

Mortgage Rates

May 12, 20250 min read

Learning Center

Useful Definitions For First-Time Homebuyers

Useful Definitions For First-Time Homebuyers

Understanding mortgage terms is key for first-time homebuyers. This guide explains essential concepts like debt-to-income ratio, preapproval, mortgage insurance, and closing costs in plain language. O... ...more

First Time Buyer

May 14, 20253 min read

How Much Do I Need Saved To Buy A Home

How Much Do I Need Saved To Buy A Home

Wondering “how much do I need out of pocket” to buy a home? This post breaks down key costs like earnest money, inspections, and closing costs—and how things like seller concessions and assistance pro... ...more

First Time Buyer

May 13, 20253 min read

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Innovation

Fresh, creative solutions.

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Integrity

Honesty and transparency.

Excellence

Excellence

Top-notch services.

Company NMLS # 2426226

Equal Housing Opportunity

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