Special Financing Available
Save THOUSANDS on your home loan with AdvantagePlus from the BKCO Loan Team
Origination Fees WAIVED
Lender Fees WAIVED
Underwriting Fees WAIVED
Loan Processing Fees WAIVED
$1,000 in Closing Cost Credits*
Very Competitive Interest Rates
Apply Now
BKCOloanteam.com | 844.370.9427
Email Us
NMLS #6666
Flourish with REAL Broker, LLC is not an affiliate of
Envoy Mortgage Ltd. Flourish with REAL Broker, LLC does not endorse any mortgage lender and
encourages all consumers to shop for services when looking for a mortgage loan.
The closing
costs credit offer is for up to $1000 lender credit to any applicant for loans of $150K or more
towards third-party costs provided you fund your mortgage with the BKCO Loan Team at Envoy Mortgage
Ltd. The waived fee credit will be given in the form of a lender credit at closing up to $1495. All
applications are subject to credit approval. Program terms and conditions are subject to change
without notice. Some products may not be available in all states. Reverse Mortgages will be brokered
to a third-party lender. By refinancing the existing loan, the total finance charges may be higher
over the life of the loan. Other restrictions and limitations may apply. This is not a commitment to
lend - Envoy Mortgage Ltd. #6666 (www.nmlsconsumeraccess.org) 10496 Katy Freeway, Suite 250, Houston, TX
77043, 877-232-2461 - www.envoymortgage.com | Other authorized trade names: Envoy Mortgage LP;
Envoy Mortgage of Wisconsin; Envoy Mortgage, A Limited Partnership; Envoy Mortgage, L.P.; Envoy
Mortgage, Limited Partnership; Envoy Mortgage, LP; Envoy Mortgage, LTD Limited Partnership; ENVOY
MORTGAGE, LTD, LP (USED IN VA BY: ENVOY MORTGAGE, LTD); Envoy Mortgage, LTD. (LP) | For additional
licensing information please visit https://www.envoymortgage.com/licensing-legal-information/
Spire Financial
Matthew DeLuzio
About Me
Matt is a fourth generation Colorado native with deep roots in the community. He spent over a decade working in professional sports with the Colorado Crush, Colorado Avalanche, and the NFL/USA Football. He always wanted to work in sports and thought that career path was set until friends in the mortgage business came calling.
Matt started as a part-time loan officer in 2012 and went full time in 2017 after realizing he had a passion for helping people achieve their goal of home ownership. Transitioning into the mortgage business became a place where Matt could apply motivation and inspiration from years of working with top athletes, teams, and executives. It turned out to be a natural fit. He has grown his business consistently, year after year, becoming one of the top mortgage lenders in the country. Matt has been named as Top 1% of originators by Mortgage Executive Magazine since 2017, and ranked as Top Originator by the Scotsman Guide Originator rankings in 2020 and 2021.
When not running his mortgage business at Spire Financial Matt is likely spending time with his family or coaching his kids in sports. Matt holds an MBA from the University of Colorado. He lives in Broomfield, Colorado with his wife Nichole, sons Leo and Milo and daughter Emilia.
Let’s find you the right mortgage loan
Start The Process
We’ll help you find a local loan originator to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
ESTIMATE YOUR MONTHLY PAYMENT
Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.
Price
Annual Tax
Loan Term (Years)
Down Payment %
Interest Rate %
Monthly HOA
Monthly Insurance
$3,198.20
Estimated Monthly Payment
Principal
$2,398.20
(75.0%)Taxes
$500.00
(15.6%)HOA
$100.00
(3.1%)Insurance
$200.00
(6.3%)Get Pre-Approved
Before you start looking for a home to buy, it’s a good idea to meet with your loan originator to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets, and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns, and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
