About Justin Petaccio

As your mortgage lender, I will help you navigate an otherwise confusing and overwhelming process with ease. I have a passion for helping people in any way possible. Of course I will help you get your loan and the home of your dreams, but I also want to help you find a great place to eat, a great trail to hike, or a great brewery to enjoy. Ultimately it is my goal to make your life simpler, more enjoyable, and more rewarding however I can. I grew up in Philadelphia and attended Northeastern University in Boston where I received degrees in Finance and Entrepreneurship. I have called Denver and the Rocky Mountain West my home since 2010. I currently live in Park Hill (Denver) with my wife Hannah and my dog Bosco.

Mortgage Calculator

Buying a home is a big investment with expenses you may not have thought about. Use our mortgage calculator to estimate your mortgage payment, including taxes and insurance.

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30-Yr Fixed / 0% Interest
  • Principal & Interest $0
  • Property Tax $0
  • Homeowners Insurance $0
  • Mortgage Insurance $0

Additional Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.

Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.

What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.

See What People Are Saying About Us

Justin was great and always answered all of our questions about refinancing as they arose. I gave him an amount we'd like to refinance at and once that rate became available around a month in a half later he dropped me a line and got the ball rolling quickly, efficiently and with ... READ MORE David Krause
Justin was amazing to work with, made the whole process seamless. Justin worked hard to find me a great rate! He also worked with my real estate professional to help find for me the perfect home. Maryanne Damiano Family Nurse Practitioner
Justin was great through the whole process. Very helpful and not at all pushy. He was very knowledgeable and I would definitely recommend working with him. Ella Peterson
I would like to recommend Justin Petaccio as a Loan officer to use especially during this challenging COVID time. My loan was all done on line & went very smooth. Several banks were not even doing the type of loan I was requesting & he was able to locate the option I needed ... READ MORE Vicki L Foe
I just bought my first home ever after only being in the US for 4 years )) Justin was extremely helpful, the whole experience was effortless..... He was very proactive, patience, supportive and quite responsive to any inquires. His response were informed and judgement free I highly ... READ MORE Esam Al-Waeliy Director of Human Resrouces
As a first-time home buyer, working with Justin was a wonderful experience. He was very communicative which really helps when you have a ton of questions like I did, and he gets his work done promptly which gave me more time with all the necessary information along the way. I will be ... READ MORE Bryan Warner Engineer
I would recommend Justin to anyone looking to buy a home. He was patient with me in my first time home buyer experience. He led with education and I never felt once like he was trying to sell me something. He helped me improve my credit score so I could qualify for a better loan and ... READ MORE Austin Pacharz Teacher
Justin and his team went above and beyond for us. He is a great communicator and everything got done quickly and smoothly. We will use Justin in the future and would highly recommend Justin to others. Jessica Gavel
Working with Justin was pain free and we got all our needs met! He helped us think through our/the right timing and kept in contact throughout. Nam Henderson Senior Analyst
Justin was amazingly helpful throughout the entire process of buying my new home. He helped me obtain the best rate possible, and went the extra mile to research and get approval for some extremely helpful programs that lowered my down payment and closing costs by a really high amount. ... READ MORE Andrew Latham Lead Veterans Claims Examiner
Thank you Justin, for all that you did! You seriously made this process as painless as possible, and I know that is no easy job, so for that I thank you! I will recommend you to my friends with no second thoughts! Thanks again! Tad Smith Owner, Preferred Auto Paint & Supply
I highly recommend Jason Petaccio for your mortgage lending needs. From the first time he answered the phone I know that working with him would be a top-notch experience. He was recommended to me by my realtor. He handled the process of obtaining the mortgage for my second home ... READ MORE Kimberly Klepec Kimberly Klepec Licensed Clinical Social Worker
Justin made the homebuying process extremely easy and comfortable. He thoroughly explained the details of my loan and led me through the necessary steps in the homebuying process. He is also very personable and knowledgeable and I highly recommend him. Andrew Klein
Justin was very thorough and helpful throughout the entire process. He helped explain to me multiple times the cost and the benefits for doing specific types of loans and helped me speed through the process quickly. I would recommend him to anyone who is looking to refinance their home. William Moor Technical Sales REp
Justin helped me purchase my Best Friend’s childhood home. The experience was great working with him. Everything went smoothly despite closing during the Stay At Home Order. I would highly recommend working with Justin and his team, you can’t go wrong, they were with me ... READ MORE Emily Bush Emily Bush Property Manager
I contacted Justin at the start of the pandemic and he was able to help me refinance to put my family in a more comfortable financial situation with more flexibility. Justin was continually active during the entire process and able to answer any questions I had pop up in a ... READ MORE Pierson Fox Architect
Everyone kept telling me what a pain the home buying process and closing process is. I'm still waiting to find out why! Justin made everything very easy, didn't ask for the same things over and over (as I was warned would happen) and even when traveling made himself available ... READ MORE Lindsay Stramiello Lindsay Stramiello Managing Director - Executive Recruiting
I really enjoyed working with Justin. When I was interviewing lenders, he was the only one who put together detailed options for our mortgage as well as a few refinancing options in the future. I was impressed by his communication throughout the process, and he gave us clear ... READ MORE Benjamin Holladay-McCann Consultant
I highly recommend Justin he was very accessible, guided us through the process to help us feel comfortable and clued in, and helped us get all our deadlines done in a timely manner. We really enjoyed working with him! Allie Quade Psychotherapist
Just was great to work with. He was knowledgeable and communicative from start to finish. He helped us when we hit a couple obstacles during closing and followed up and made sure we were taken care of. I would use Justin as our mortgage lender again! Mehgan Radtke Home buyer
Justin was fantastic. He wasn't pushy at all, which was appreciated, and was very clear and responsive in his communication. He was very patient walking me through all of the numbers and making sure I had no concerns walking into closing. I definitely recommend Justin and am ... READ MORE Tami Layman Sr Implementation Manager
I'm a realtor that has been working with Justin for a number of years as one of my preferred lenders, but I hadn't had the opportunity to be his client until this year. In the last two months, Justin did the loan for an investment purchase (with 7 days notice to get it it ... READ MORE Gina Saab Realtor at Compass
I was referred to Justin to refinance my loan. The process was seamless! Probably the least stressful process I’ve ever had in all my years of owning a home. He was quick. Efficient. Available for any questions with zero to little wait time for a response and extremely patient. ... READ MORE Angie Renteria Client Services
Justin and his team were amazing to work with from start to finish. While he was not our original lender he was able to step in when our original lender fell short. His communication through everything was spectacular and really impressed me. He was able to finalize everything for us ... READ MORE Chelsea Everman
Justin is awesome! Excellent communication throughout the whole process and was even able to accommodate a huge last minute change. Would absolutely recommend working with him to anyone! Tami Spierling Client
Justin and his team are the best! I will forever trust him with my lending needs. He's super responsive, great at answering all my questions, and makes me feel taken care of during a time that can be very stressful. I highly trust and recommend Justin! WOO! Katerina Jeng
Justin is a professionals businessman. He is always there when The clients need him. In his personal time off he still working. He always answer the phone , or text msg. He always is in top of everything, and he get for his clients whatever you needs. For me he is the best. Mercedes Morillo Mercedes Morillo Health Coach
Working with Justin was the greatest. He made it so easy to get and close our re-fi loan. He was always there to answer questions and explain things. He and Lynsey are the best! I highly recommend him to everyone! Cindy Mitchell
Justin was there in every step of the process of the loan process. He was always available to answer every question and followed through every issue. Jian Luo Woodworker
I can't recommend Justin enough if you're looking for a new mortgage, or simply want solid lending advice. He listens and responds quickly to any request or question; I never had to chase him down for answers. He made my refi process easy and uncomplicated. I look forward to ... READ MORE Alicia Miller Corporate Training
Justin was extremely helpful and knowledgable. He and his team guided me through the buying process and answered any questions I had very quickly and accurately. Justin also understood the many options that I had to financing and guided me to a loan that was the best for me over the long run. Dan Suereth Product Architect
Justin Petaccio was an immense help in my wife and I obtaining our first home. He is an amazing money manager, and was able to get us into an affordable package that worked for our monthly budget. He wasn't pushy at all, and was always listening to my needs. Justin was always ... READ MORE Ryan V IT Engineer
Justin did excellent job and was there every step of the away. John Warmuth Firefighter
Justin was wonderful to work with from start to finish! He was professional, trustworthy, flexible, quick in response and friendly throughout the entire process. He always answered our questions quickly and thoroughly and we'd definitely recommend his services to friends and family. Samantha Rotbart
Justin killed it!! On time, in-contact even on weekends!! Truly hard worker. He made my dream come true. Twice now. Matt allen Bartender
Justin was responsive, attentive, knowledgable and organized. He did a great job helping us navigate our loan, given our complicated asset allocation and juggling multiple properties. Getting a home loan is anything but enjoyable and he helped maintain the humor through the process. I ... READ MORE Tom Lilly Buyer
Justin was easy to get ahold of and made the process easy. He was flexible and calm when there were hiccups along the way! Would absolutely borrow from him again! Amy Kelly Doctoral Scientist
Justin does a superb job of explaining the process to you and helping you find the best finance options for a home loan. Buying a home is an extremely stressful process. I decided to use Justin over other lenders who offered a slightly lower interest rate because I was more confident ... READ MORE Angela Miles Home Buyer
Justin did an awesome job helping us through the mortgage approval and closing process. He was able to close the deal without any problems and he had great communication along the way. Highly recommended! Anonymous
This was our first time buying a house and Justin did a tremendous job explaining everything in a way that was easy for us to understand. He also gave several options for our home loan which really helped us make a choice that was perfect for us. Justin was extremely helpful ... READ MORE Colby Preston Dalman Colby Preston Dalman Production Supervisor
Justin made our first time home buying experience a breeze. I feel like he truly cared about helping us make the best decision possible. He gave us different options, and is very knowledgeable. Would highly recommend!! Jessica B
Justin helped me close on my first home and it couldn't have gone smoother. He was able to get me to close 5 days sooner than what our original contract date was set for. He really went above and beyond to answer any questions i had along the way. The greatest compliment i could ... READ MORE Ivonne M. HR Assistant
Justin was so helpful and great to work with, and always quick and responsive to all my questions. Christina Rogers
Justin Petaccio is one of the most dependable and conscientious people I've worked with in any capacity, let alone in the mortgage lending business. My wife and I recently financed our purchase of a home but had not been through the mortgage application process in 15 years, ... READ MORE William Short
Justin helped me throughout the entire buying process. He stayed in contact with us and kept us updated. Sometimes getting a loan can be confusing and time consuming, but Justin made it as easy as possible for us. I would highly recommend him if you are thinking of buying a home. Thanks Justin! Nathan Schweid Owner of The Junk Trunk
It was great to work with Justin. He was very helpful and friendly.I really do appreciate his help and the chance for me and my family to own our home. I highly recommend him. Maria Chavez
Justin is an exceptional mortgage broker, I would highly recommend using him. I used Justin over my bank of 15 years, Wells Fargo. I realized that banks are very much transactional and won’t tell you the bad with the good till your way down the line. Justin was very detailed and ... READ MORE Hetal P.
Justin Nd his team are absolutely amazing. I got my original mortgage with them , and it went perfectly! He called me almost 1 year later to let me know rates dropped and helped me refinance. Highly recommend for sure! Bruce Feldman Corporate accounts manager
Justin is very thorough and informative. He always had my best interests in mind...very responsive and pleasant to deal with! Karen Lam Karen Lam Senior Director of HR
Just did an excellent job for me with my recent mortgage. He was attentive and incredibly helpful with answering my numerous questions. The whole process went so smoothly. Great experience! Billie Jo Eickhoff
Justin was such a pleasure to work with and did an incredible job explaining things to me (first time homebuyer). He is knowledgeable, patient and VERY responsive. Thank you for everything, Justin, you have earned my trust and I will gladly recommend you to all of my family and friends. Elyse Wiechnicki
I would definitely recommend working with Justin! He is very knowledgeable on the entire home buying process. It was very nice that he was available to answer all of my questions any day and anytime. He made my home buying process easy and explained all of my options that came up. Josh Martinez Mechanical Team lead
Justin is incredibly knowledgeable, radically available, responsive and helpful during the process of refinancing. He goes the extra mile to help those he served. I’d give him 10 stars if I could. Thanks Justin! Edward Foresman Edward Foresman
Justin was amazing during our journey of home buying. He made the process less stressful and overwhelming. He made us feel like we were his only clients/buyers. First class on explaining the process, returning our calls day/night. Wonderful experience. Thank you, Justin! DEREK HOVANEC
Justin and his team are without a doubt the reason we landed the home we wanted. Initially the house was swept out from underneath our feet by a cash offer that came to the table (happens all to often), but once that buyer couldn't make it to the table with all the funds as ... READ MORE Shawn Damiano
Justin was an amazing loan officer to work with during my first time buying a home. Being a new buyer, I had a lot of questions. I am self employed which required more paperwork but Justin, and his assistant Lynsey, were incredibly responsive throughout the several months we worked ... READ MORE Scott Fetters
Justin and the team were absolutely fantastic! Having moved to the US, and choosing Colorado to make our home we looked into purchasing our first home in the USA. This is not a simple task when it comes to paperwork when you move from another country, however Justin and the team ... READ MORE James Pinamonti
Justin was such a huge help for us! The process of buying our first home was a bit daunting but Justin and the team were there for us all the way through. He is patient and clear in his explanations of concepts and contracts that we did not understand. My wife and I are both very happy ... READ MORE Nick Floarea
This was our first time buying a home, so we were not sure what to expect. We shopped around for lenders for a couple days and Justin was very responsive and showed great customer service right off the bat. He continued to do this throughout the process and it made our experience ... READ MORE Jordan Leedy Jordan Leedy
This was my first home purchase. After dealing with a not so good lender, I was referred to Justin. What a difference a good loan officer. He answered all our questions in a timely fashion, even with him outside the country for some of the process. Buying my first home couldn't of gone smoother. Steven Erickson Structural Engineer
Justin is an amazing lender and made our first time home purchase a breeze! He was extremely informative and personable from the first time we spoke with him and that never changed through out the process. Him and his team were always quick to respond to any questions or concerns we ... READ MORE Katie Mines
Justin is an incredible lender! He went above and beyond to make sure that we could get into our new home. As a flight attendant my pay structure is a little different but Justin did some investigating and made sure to maximize every bit of my income to get us into the home we wanted. ... READ MORE Kari Newton Flight Attendant
Justin helped me buy a home on short notice and made it as effortless as possible. He went above and beyond to make sure it was a straightforward process for me and helped me understand any additional needs. I would highly recommend Justin to anyone looking to purchase a home! Jim M Director of Sales
Justin was very helpful through the entire home buying process. We are first time home buyers and as you can imagine we had a lot of questions and Justin was available to respond to all of our questions in a timely manner. He and his team were able to get us through this process with ... READ MORE Brooke Valbert Medical Laboratory Scientist
As first time home buyers, we really appreciated Justin's ability to articulate details every step of the way. He always had our best interest in mind and was quick to answer our questions. The whole process was completely painless because of him. We highly recommend working with Justin! Laura Laufenberg
I have worked with Justin on multiple transactions for my clients, and on the purchase of my own home. He is knowledgeable and makes the transaction as simple as possible. His constant communication and great team never leave you wondering what the next step might be. If you’re ... READ MORE Leah Schweid Realtor/Client
Justin was just as great as I thought he would be -- he's been working with my clients recently and I decided to use him for my personal home loan purchase. He was very considerate, knowing that I was just as nervous, if not more so, than my clients. He is my 'go-to' lender ... READ MORE Rochelle Landau Realtor
Working with many different lenders, Justin by far worked the hardest for me to tailor my mortgage to fit within my budget and get me the best possible deal. As a first time home buyer, I probably would not have bought the house I did if Justin did not come through for me. Highly ... READ MORE Julius Baker Senior Software Engineer
Justin did an AMAZING job with helping us get our home. He was efficient, timely, helped me understand documents I may have never seen before. He was an excellent resource for all needs related to home buying! I would recommend Justin to anyone searching for a home in Colorado! Katie Lee Home Owner
Hey was very thorough and punctual. He answered any and all questions I had, in addition to being informative about things I had not even considered. I would recommend Justin for anyone, especially a first time buyer like myself. Clayton Mansfield Enterprise Application Specialist
Justin Petaccio did a wonderful job with our refinance. Due to a wonky second mortgage we found it difficult to refinance our house. Justin and his team were able to view our application and actually read through our situation to get us approved. It was painless, quick and easy. I ... READ MORE Kyle P Becerra Owner/operator
Justin was very helpful and very patient with each question I had. I would recommend him to anyone, especially a first time home buyer like myself. Nikki Naiman Real Estate Developer and Broker
Justin was great! Quick to respond to any questions we had and did a very thorough job. Would recommend him to anyone. Andrew Krautheim Teacher
After an awful experience with a previous lender Justin swooped in and made everything right! Answered all of our questions, phone calls at all hours and was so helpful with information to keep us from getting confused. He broke down absolutely everything so we understood where our ... READ MORE Maddy Abel Customer Care Coordinator
Justin was a great access to us as we were looking to do a refinance. He went out of his way to make sure we were comfortable with our situation. Justin knows his business and I would recommend him to family and friends. Nathan Gonzales Sales
This was my first time buying a home and Justin did an amazing job reducing my anxiety in the way that he always addressed my questions (even when they were pretty ridiculous), keeping us updated every step of the way, and being incredibly accessible and gracious about our copious ... READ MORE Emily McCann Psychologist
I highly recommend Justin as a lender that you can trust to handle every transaction with professionalism and care. I know my clients are in good hands when I send them to Justin at AmeriFirst. I especially appreciate Justin's efficient communication skills, and his ability to be a ... READ MORE Natalie Kavan Natalie Kavan Realtor
Purchasing your first home on a single income can be a very intimidating experience. Justin made everything easy to understand and really took the time to help me find a budget that works for me. He was there every step of the way to explain things and help me make the best decision ... READ MORE Douglas Tanner Team Leader
If you're looking to get a mortgage it's a must that you contact Justin first. He is extremely knowledgable and made the process very easy for me. A true professional in the industry! Julio Quezada Realtor
Very good experience always was good with communication and being available to talk with. Did an amazing job. Cameron Grove Mechanic
Justin Petaccio made the home buying process very easy and pleasant for us. Justin helped us with our mortgage for our first house, so we knew very little about the process and he went to great lengths to help us along the way. He went out of his way to make sure we felt comfortable ... READ MORE Jason Hornyak Senior GIS Specialist
Justin was a thoughtful and accessible partner supporting us in the process of becoming first-time homeowners. We very much appreciated that he made himself always available to us, including during evenings and weekends and via text, phone and email. He was further very patient and ... READ MORE Angie McPhaul
When we began shopping for a home loan we talked to a few different companies and no one was as knowledgeable as Justin. Once we started the application process he was always available to answer questions, no matter what day of the week or time of day. Working with Justin took the ... READ MORE Idunn Rhoades Delivery Technical Manager
I would absolutely recommend Justin. He always answered his phone and took the time to answer all my questions. I received regular emails informing me of the processes. Everything was handled professionally and on time. John Plumer
Justin is a highly capable mortgage lender. My husband and I made a fairly sudden decision to purchase a home in Golden from out of state. Justin helped us consider all of the financing possibilities we could pursue to make it happen. I especially appreciated Justin accessibility, his ... READ MORE Nancy McPhaul
Justin Petaccio should be your go-to guy if you want a top-notch mortgage loan officer! I am a first-time home buyer and Justin always acted in my best interest while walking me through every step of the process. He kept me informed throughout my loan application process and made it ... READ MORE Kevin Breen Financial Analyst
Justin was extremely timely, efficient and communicated all of the necessary information to me in a professional manner regarding my loan on the condo I just closed on. Would highly recommend! Nathaniel Schweid Owner, The Junk Trunk -- residential and commercial junk removal services
Justin was incredibly helpful and always available throughout our entire process. We came to the table with a very limited knowledge about the loan process and he walked us through it very simply and thoroughly. We felt very confident and comfortable with him even from the initial ... READ MORE Drew Allen
Justin is exceptional! We were quite apprehensive when we decided to take the plunge, but Justin's calm demeanor helped us conquer our fears. I also greatly appreciated that our final loan document was only 80 pages! We were done in an hour! Thank you, Justin and the ... READ MORE Casey M. Kite Legal Assistant
Justin was great! He stayed on top of things and when my hand was in a cast and my bank required I request the necessary statements in person, he drove me to the bank in downtown Denver to expedite our closing😎 Gabriele Alexander Retired
Being a first time home buyer, I had no idea what to expect. Justin took care of of me and gave me all the information I needed. He exceeded all of my expectations. I highly recommend him to anyone I know who is looking to purchase or refinance their home. He's the best. Kathryn Moore Owner of Moore Hair inc.
Justin was wonderful to work with as I purchased my first home. He was consistently helpful, insightful, and informative throughout the process. He made himself and his associates available, and the whole team was incredibly reliable and communicative. He also went the extra mile in ... READ MORE Sarah Cullen UI Engineer
Working with Justin was great. He made sure I got the best rate and financial package which would make the most sense for me. I am very happy with my decision to work with Justin and would definitely recommend anyone else to reach out to him for a refinance or new home purchase. Alice H. Corporate Recruiter
Justin was extremely helpful and was always available to answer any questions that I had. I would highly recomend his service! Mark P
Justin was by far the best loan officer I have worked with. He is always available to speak with, has a great personality and always has your best interest in mind. I will surely use Justin for all future mortgage needs with out a doubt. Alex Chernett Training Lead, Inspirato
Mr Petaccio went above and beyond! I recently bought my first house and with the falling rates on loans I knew i needed to get locked in to save money. Justin no only helped get all my paperwork together and arranged so i understood where i was but explained my options and the best ... READ MORE Nathan Paige Director of Laser Operation & Assistant Shop Supervisor @ Sterling Edge
awesome job - super knowledgeable and outstanding service. Mitch McCloskey
Justin was great to work with! He was punctual and available to answer any questions I had with the process of refinancing my home and was patient and understanding while I gathered my documents. Thank you so much Justin, can't wait to work with you again in the future. Allison Coleman Therapist
Justin made the refinance of my home loan a fun and easy process. He and his team are professional, courteous, and were very responsive to my every question. If you are looking to purchase a home or to refinance your current home, i could not recommend Justin and his team enough. A+ Byron Ward IT Project Manager
Dealing with a mortgage company is rarely fun, but Justin was a pleasure to work with! Communication was top-notch, and the process was simple and painless. I would recommend anyone looking to purchase or refinance use Justin and his team! Scott Butin Management Consultant

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