Oliver Maldonado
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
Oliver Maldonado — Colorado’s Best Mortgage Broker CALL 720-547-3998 BEST RATE OF OVER 200 LENDERS
For over 20 years, Oliver Maldonado has been one of Colorado’s most trusted, aggressive, and results-driven Mortgage Brokers, serving thousands of homeowners across the state.
Recognized in top national industry publications including Scotsman Guide, Mortgage Originator Magazine, and National Mortgage Broker, Oliver is widely known for his deep expertise, his negotiating power, and his relentless commitment to getting borrowers the best possible mortgage terms.
With long-standing relationships across Colorado’s lending ecosystem — local businesses, realtors, title companies, underwriters, appraisers, and investors — Oliver delivers the kind of speed, precision, and insider coordination that most loan officers simply can’t match.
Aggressive Negotiator. Client Advocate. Lowest-Rate Guarantee!
Oliver negotiates with one mission:
Get the client the lowest rate and strongest mortgage structure available — period.
He is relentless in protecting the borrower’s best interests, not the bank’s. His promise is unmatched in the industry:
If Oliver can’t beat an official written mortgage approval, he’ll pay the borrower $1,000.
Author of The Mortgage Book
Beyond being a top-tier broker, Oliver Maldonado is the Author of The Mortgage Book — written to educate both homeowners and mortgage professionals on how the industry really works.
The book exposes hidden lender tricks, simplifies complex mortgage concepts, and empowers borrowers to make smart decisions — especially those who don’t yet have someone like Oliver advocating for them.
A Philosophy Built on Truth & Consumer Protection
Oliver Maldonado says:
“Most people think their home is their biggest purchase… but they’re wrong.
Your mortgage is your most expensive purchase. You’ll pay more for a bad mortgage than the cost of the home itself.”
Why Colorado Homeowners Choose Oliver
For two decades, homeowners, realtors, investors, and business owners have relied on Oliver because he:
Negotiates aggressively for the lowest rates
Structures deals to maximize savings
Moves faster than traditional lenders
Knows every local lender, underwriter & title company
Communicates with transparency and precision
Delivers elite service that earns repeat business and referrals
His approach is simple:
Win for the client. Deliver the best deal possible. Outperform every traditional loan officer, broker & originator in Colorado.
NMLS#: 2729085
License: CO
Spoken Language: English, Spanish
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 225 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
225+
Number of Lenders
18133+
(Avg. 5.0) Google Reviews
2427+
Loan officers
48
Licensed states
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.
Fast funding,
easy application.
Get your loan today!
Quick Loans, Anytime, Anywhere!
