We make Colorado home loans easy

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Welcome to New Capital Finance!

Buying a new home and finding home loans

Buying a new home can be one of life’s more exciting chapters, but there’s also the financing part of things…

You know… the mortgage—the pre-approvals, endless paperwork, the deliberately confusing terms, the sharing of your underwear size, endless fine print and hidden GOTCHA’s—let’s just say a lot of people would rather get a ROOT CANAL at the DMV.

Our NewCap Family likes to think we’ve found a better way.

Mortgage Brokers Who Care

What if you could work with someone who…
actually has your best interests in mind?
wasn’t wearing a neck-tie so tightly their head was swollen up?
spoke plain English and pretty much acted like a good friend… except with a specialized set of skills, contacts, knowledge and a desire to help you out?

What if they weren’t bound to sell you on the particular offer their company had available, but instead were positioned to help you find the absolute best home loan, mortgage, line of credit or refinance available for your situation… from a huge array of options available on the market?

Cappy Finds the best mortgage offerings!

Cappy the Mortgage Sniffer
Meet our secret Home Loan weapon

Ok, we confess… the truth is that we’ve trained our top secret asset to sniff out the cash. That’s right, “Cappy” literally sniffs out the best offering for a given situation. Talk about man’s best friend! Here’s a quick shot of our little show-off… we call this his “success walk”.

Our Secret Weapon... Cappy the Mortgage Sniffer

Cappy’s pretty cool, don’t you think? We’ve decided he’s too good to keep to ourselves, so now he’s eager to help YOU out next! So if you’re a first time homebuyer, wondering how much home you can afford, looking to finance your forever home, or maybe just looking for a refinance or home equity line of credit… now Cappy can be YOUR best friend, too!

Give us a shout if you are one of the many who instantly knows Cappy and New Capital Finance is exactly who you want to work with!

For everyone else… we await your stern, yet fair admonishment of our tactics. Either way, take a moment right now and give us a quick call!

New Capital Finance Reviews

Words from the people we’ve helped!
  • Thomas is amazing. I’m a Realtor and not only has he helped my clients greatly. But, has helped me personally with my own home loan. Professional, reliable and honest!!!

    Erika Eschberger Avatar Erika Eschberger
    September 10, 2020

    I just purchased my first home. Going in, I didn't understand anything about the mortgage process. Thomas was so knowledgeable and attentive and made me feel comfortable and more educated. He was very personable and fun to work with. Everything went smoothly, and he found me the lowest possible interest rate. I couldn't have asked for a better experience.

    Rachel Gagliardi Avatar Rachel Gagliardi
    September 10, 2020

    Thomas Frank with New Capital Finance was AMAZING. He made this process so easy, was always available to answer questions when I had them. He found me a great rate and went above and beyond what I could have hoped for. I have heard horror stories about closing and the loan process and I actually had fun. Thank you Thomas and your wonderful team! When will be using your team again on any future purchases.

    Brooke Gerhardt Avatar Brooke Gerhardt
    September 10, 2020
  • Thomas Frank was a rockstar throughout my refinance process. He handled everything professionally and promptly and is very personable to boot. Anything we needed to figure out, he was on it. I highly recommend his services!

    Rebecca Switzer Avatar Rebecca Switzer
    September 10, 2020

    Thomas and the team are world class, truly the best mortgage experience I’ve ever had. They have gone above and beyond, even sourced us a great mortgage broker out of state when we moved. Extremely knowledgeable and work quickly to get loans closed.

    Jorin Luna Avatar Jorin Luna
    September 10, 2021

    I have known and worked with Thomas for over 10 years. Consummate professional, extremely knowledgeable and genuinely cares for his partners and clients. HIGHLY RECOMMENDED.

    Nathan Einkorn Avatar Nathan Einkorn
    September 10, 2020
  • Thank you Andreea and Collin for going above and beyond to meet my needs refinancing my property. I highly recommend New Capital Finance.

    Bianca Sisman Avatar Bianca Sisman
    October 10, 2021

    Connor with New Capital Finance made this whole purchasing a new home smooth as butter. With his/their spot in communication with us and our realtor, Connor went above and beyond with his expert knowledge. We would HIGHLY recommend New Capital Finance for your next home purchase.

    Travis Butler Avatar Travis Butler
    February 6, 2022

    Was very surprised by the personal experience Thomas and his company provided. They worked very hard to get a rate so low that everyone is jealous of me! Were a couple of miscommunications and hiccups but otherwise I can't imagine a better experience for a first time homebuyer. Thomas even talked with me for an hour over the phone to walk me through the whole process and talk numbers before I had even picked out a house. He was honest through and through which deserves the utmost respect.

    Gabby Swenson Avatar Gabby Swenson
    September 10, 2020
  • Lissette was the best to work with! She was very detailed and took the time to explain everything to us as first time homebuyers. You can tell she wants the best for her clients. Will definitely use again.

    kylie baas Avatar kylie baas
    June 22, 2022

    My husband and I recently purchased our first home and I am so incredibly grateful that we chose New Capital Finance to work with for our lending needs. Thomas and Connor were such a pleasure to work with. They were quick to answer any questions we had, worked to ensure we received the best rates possible, and were super thoughtful and helpful throughout the entire process. They were trustworthy, reliable, and super pleasant people to work with. They go above and beyond for their clients and sometimes I wonder if we'd even have our new home without them. Highly recommend!

    Mel Hayes Avatar Mel Hayes
    August 6, 2021

    I was a real estate broker for 30+ years and have never worked with a better mortgage broker than Thomas, Collin and the team. This was just a refinance for us at the busiest time of the year, yet Thomas and the team would work late, early, whatever it took to get the job done. I would highly recommend them to anyone needing to get the job done right and in a timely manner.

    Gwen Woodbury Avatar Gwen Woodbury
    September 10, 2021

First Time Home Buyer?

Read Our Home Buyer’s Guide!

Learn about the various loan types available when purchasing your new home.
Questions? Call any time!

Home Loan and Mortgage Refinancing Services

First time home buyer gets a successful loan


Down payments starting at 3% with 620+ credit score

FHA home loan closed

FHA Loans

Down payments starting at 3.5% with 600+ credit score

USDA home loan with a happy ending

USDA Loans

0% down payment with 640+ credit score in designated rural areas

VA loan brokers

VA Loans

0% down payment with 600+ credit score for eligible military veterans

Refinance mortgage for home improvement or debt consolidation


Mortgage refinancing programs for PMI removal, rate reduction, debt consolidation, home improvement, or “cash out”.

Looking to refinance mortgage?

Learn how refinancing can help you save money!

Meet Some of our Mortgage Brokers

Our Friendly loan officer ProfessioNals
Photo of Loan Officer Thomas Frank

Thomas Frank

NMLS# 14017

(303) 341-4318

Photo of Loan Officer Connor Alcock

Connor Alcock

NMLS# 2019164

(720) 442-8388

Photo of Loan Officer Mike Ho

Mike Ho

NMLS# 1982523

(720) 580-3058