We make Colorado home loans easy

Friendly People, Low Rates, Approval in Minutes!

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 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!

    thumb Rebecca Switzer
    September 10, 2020

    They are the best they worked so hard on my complicated loan and got our family approved on our very first home. We are now home owners. I want to personally Mike Ho and Colin Hoyer for their hard work they we above and beyond????

    thumb Yatta Renee
    April 6, 2022

    Thank you Andreea and Collin for going above and beyond to meet my needs refinancing my property. I highly recommend New Capital Finance.

    thumb Bianca Sisman
    October 10, 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.

    thumb Gwen Woodbury
    September 10, 2021

    New Capital Finance made the mortgage process easy and stress free for me. Thank you! I highly recommend them!

    thumb Jessica Johnston
    October 10, 2021

    Working with Mike Ho at New Capital Finance was a great experiance. He explained the whole process and answered all the questions we had in a very timely manner. We recommend working with Mike Ho, and look forward to working with him in the future!

    thumb Elia Barron
    May 6, 2022
  • 100% recommend New Capital Finance to help with a mortgage. As a first time home buyer there was a whole lot that I didn't understand or hadn't considered. Thomas was an incredible resource and advisor throughout the entire process. He's an excellent communicator and is very prompt in his responses and attention to his clients' needs. When I told him I wanted to close 2 weeks early he didn't even bat an eye and we got it done! A+++

    thumb Daniel Steele
    September 10, 2020

    Just got my mortgage refinance done via New Capital Finance. Michael Ho worked with me throughout the processes. I got all my queries answered fast and promptly. I had to request many changes and the team at New Capital Finance got them all covered. I am very happy with the final results.

    thumb Cong Bui
    September 10, 2021

    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.

    thumb Jorin Luna
    September 10, 2021
  • Thomas was extremely helpful in helping me secure a loan on my first home. He was very concise when explaining how things worked and I got an excellent rate. I would 100% reccomend him and capital finance to anyone.

    thumb Ryan Reynolds
    September 10, 2021

    I can't say enough good things about working with Thomas and team. His response time was extremely quick and he was always there to answer questions/walk through things. He fought to find exactly the best he could for us and we're extremely happy not only with the process but the outcome. I would highly recommend him to anyone looking!

    thumb Joe Sorrow
    September 10, 2021

    Love working with Thomas!

    thumb Shawn Tenny
    September 10, 2020

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