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!
  • Great job! Mike was there thru the whole process. Mike Ho treated me like family and made me feel comfortable with my purchase!

    thumb Robin Ellison
    April 6, 2022

    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

    As a first time home buyer, I want to give my gratitude to Mike Ho. He was more than just a lender and rather, it felt like I was conducting business with a close friend. His availability for me to call or text him questions and able to give me professional advice and educate me on processes that I don’t know much about. He always gave me updates on the process and break down some numbers to help me make my decision a lot easier. I would highly recommend Mike as your lender

    thumb Jeffrey Huynh
    June 6, 2022
  • 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.

    thumb Rachel Gagliardi
    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.

    thumb Jorin Luna
    September 10, 2021

    I was referred from my Realtor about inquiring about getting a home mortgage refinance and I am very happy that I did. I worked with Thomas Frank on getting a refinance and the process was easy. Thomas was available pretty much all hours of the day so if I had a random question I could easily get in contact with Thomas and he would get me an answer in a matter of minutes. He walked me through all the steps for getting a refinance for our home in a matter of days. Thanks to his help I was able to secure an excellent loan terms and was very impressed and happy with the terms of my new home loan. =D

    thumb Jared G
    September 10, 2020
  • I can't say enough good things about the team at New Capital Finance. Connor, Thomas, and the whole crew were always available and worked super hard to get my loan taken care of as quickly and thoroughly as possible. I would highly recommend them to anyone who is uncertain about their options for purchasing a home, as they were able to walk me through the whole process and make what I thought was a dream a reality. Thanks, New Capital!

    thumb Samuel Scalf
    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

    Thomas and his team helped us to get into our first house! The process was smooth, painless and we were kept up to date with all of the many things that can come up. I greatly appreciate their hard work and diligent effort. We will recommend New Capital to all of our friends and family! Thanks Thomas and thanks New Capital!

    thumb Kelley Knight
    September 10, 2020
  • Thomas is so knowledgeable and dedicated to helping his clients the best way that he can. He always goes the extra mile. Contact him for all of your home purchase and refinance needs!

    thumb Allyn Anderson
    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

    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

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