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!
  • 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
    September 10, 2020

    Mike Ho was absolutely phenomenal. He made sure me and my family were 100% comfortable with everything going on. I would recommend him to anybody who need help with a home. Mike made this experience an experience to remember, thanks.

    May 6, 2022

    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
    September 10, 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 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

    Lissette did amazing on my loan process. Not only is she professional but had patience with me. If you ever need someone she is the one.

    thumb wendy acevedo
    June 6, 2022
  • 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
    September 10, 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
    September 10, 2020

    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 10, 2020
  • 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 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

    First class, Top of the line service, Fast, Friendly #1

    thumb Chad GGG
    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