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New Capital Finance | Golden Colorado Mortgage Broker

Programs We Offer

  • Down payments starting at 3% with 620+ credit score
  • Down payments starting at 3.5% with 600+ credit score
  • 0% down payment with 640+ credit score in designated rural areas
  • 0% down payment with 600+ credit score for eligible military veterans
  • Programs for PMI removal, rate reduction, debt consolidation, home improvement, or "cash out"

  • Thomas Frank and New Capital Finance were an important asset in buying our new house. Thomas was fast and efficient and very helpful throughout the whole process. I am already recommending him to friends!

    thumb Patrick Stone
    January 19, 2022

    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.

    thumb Travis Butler
    January 12, 2022

    My long term boyfriend and I recently purchased a home and Thomas Frank was our mortgage advisor. He was very informative and helpful during the whole process. We are so grateful to have chosen New Capital Finance for our home purchasing needs! If you need a mortgage advisor he is your guy!! Thank you so much for everything!

    thumb Katelyn Hall
    December 26, 2021
  • I worked with Mike Ho. I originally got quotes from Bank of America, chase, Wells Fargo and US bank, but Mike was able to get me a better rate and terms for my low . He was responsive to text calls and emails. He was also top of getting my home loan approved in just 1 month. I would definitely use him again.

    thumb Eric Chau
    November 26, 2021

    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 26, 2021

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

    thumb Jessica Johnston
    September 26, 2021
  • 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!

    thumb Mel Hayes
    July 26, 2021

    First class, Top of the line service, Fast, Friendly


    thumb Chad GGG
    June 26, 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
    May 26, 2021
  • 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
    May 26, 2021

    Thomas and his team were amazing. Thomas definitely goes above and beyond. He stayed in communication throughout the process and was so patient in answering all of my questions and always responded quickly. I highly recommend Thomas at New Capital Finance!

    thumb Christy Richter
    October 6, 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!

    thumb Rebecca Switzer
    August 12, 2020
  • 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
    April 29, 2020

    Thomas is amazing. As a Realtor, I recommend him to my clients because I know they will have a fabulous experience. Thomas truly goes above and beyond for our clients. Naturally, he was the person I called when it was time to refinance my own home. The process couldn't have been more simple and I'm incredibly pleased with my new interest rate. Thanks once again for knocking it out of the park, Thomas! You're the best!

    thumb Jenna Leeder
    April 29, 2020

    Thanks Thomas for getting us refinanced! Pretty excited to be pretty much debt free except the mortgage and 1 vehicle payment. Get those knocked out and possibilities are endless! If you like quick, easy and professional; Thomas will be the perfect fit. Keep up the good work!

    thumb Sean Jenkins
    March 27, 2020
  • 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.

    thumb Gabby Swenson
    February 29, 2020

    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
    February 23, 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.

    thumb Brooke Gerhardt
    December 12, 2019
  • My fiancé and I worked with Thomas to close on our first house. He made the process extremely easy, he worked with the sellers agent to reassure them that we were pre-approved and ready to close. I would send him messages after normal work hours and he would always respond and never leave us hanging. We continue to refer all of our family and friends to Thomas. He is very easy to work with and a good guy. I highly recommend him and know that every single person we send his way he will treat them like Gold. Thank you Thomas!!!

    thumb abe micijevic
    November 6, 2019

    Thomas made the entire process painless! He constantly kept me updated on what was going on from start to finish. If you are thinking about refinancing your home this is the man you should be doing it with!

    thumb dylan larsen
    October 18, 2019

    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
    October 13, 2019
  • Thomas was just amazing to work with. He answered my questions and walked me thru this process. Being a first time home buyer is STRESSFUL but Thomas kept me cool, calm and collected. If you need help in the lending process, he is the guy to turn to. It's so beautiful to find someone who is on YOUR SIDE in a world full of people only out for themselves. I highly recommend Thomas Frank. Thanks again Thomas, I LOVE my house!!!

    thumb Jennifer Mott
    September 30, 2019

    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 28, 2019

    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 27, 2019
  • 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.

    thumb Nathan Einkorn
    September 27, 2019

    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!!!

    thumb Erika Eschberger
    September 27, 2019

    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 27, 2019

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