Mortgages Made Easy

Apply online without complexity or added fees.

New Capital Finance | Colorado's Mortgage Lender

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"

  • 5 star review  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

    5 star review  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

    5 star review  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
  • 5 star review  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

    5 star review  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

    5 star review  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
  • 5 star review  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

    5 star review  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

    5 star review  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
  • 5 star review  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

    5 star review  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

    5 star review  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
  • 5 star review  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

    5 star review  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

    5 star review  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

Call us today for a free quote or to chat with licensed loan officer.

contact us

Give us a call at 303-341-6558 or fill out the contact form below.


5770 McIntyre St, Suite 5, Golden, CO 80403