Loan Officer NMLS ID: 1457625
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.
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.
- Principal & Interest $0
- Property Tax $0
- Homeowners Insurance $0
- Mortgage Insurance $0
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.
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.
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 MOREManaging 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 MOREConsultant
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!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!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 MORESr 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 MORERealtor 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 MOREClient 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
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!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!
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.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!
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.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 MORECorporate 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.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 MOREIT Engineer
Justin did excellent job and was there every step of the away.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.
Justin killed it!! On time, in-contact even on weekends!! Truly hard worker. He made my dream come true. Twice now.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 MOREBuyer
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!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 MOREHome 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!
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 MOREProduction 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!!
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 MOREHR Assistant
Justin was so helpful and great to work with, and always quick and responsive to all my questions.
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
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!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.
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
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!Corporate accounts manager
Justin is very thorough and informative. He always had my best interests in mind...very responsive and pleasant to deal with!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!
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.
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.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
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!
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
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
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
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
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
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.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
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 MOREFlight 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!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 MOREMedical 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!
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 MORERealtor/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 MORERealtor
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 MORESenior 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!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.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 MOREOwner/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.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.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 MORECustomer 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.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 MOREPsychologist
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 MORERealtor
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 MORETeam 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!Realtor
Very good experience always was good with communication and being available to talk with. Did an amazing job.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 MORESenior 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
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 MOREDelivery 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.
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
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 MOREFinancial 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!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
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 MORELegal 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😎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.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 MOREUI 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.Corporate Recruiter
Justin was extremely helpful and was always available to answer any questions that I had. I would highly recomend his service!
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.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 MOREDirector of Laser Operation & Assistant Shop Supervisor @ Sterling Edge
awesome job - super knowledgeable and outstanding service.
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.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+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!Management Consultant