Our Process

Are you Purchasing, Refinancing or Buying & Selling?

Purchasing

  • FHA

  • VA

  • USDA

  • Conventional

  • First Time Buyer / Down Payment Assistance

  • Specializing in Denver & Colorado Springs Markets

Refinancing

  • Rate and Term (lower payment)

  • Cash-out

  • Debt Consolidation

Buying & Selling

  • Specializing in Denver & Colorado Springs Markets

  • Seamless Experience

  • Minimize Stress

  • Maximize Profit

OUR TEAM

Mike O'Brien NMLS # 1340152

Matthew Wentz NMLS #1852397

Zach Belloni NMLS #2568001

Testimonials


This was my fiancé and I first time buying a home and I connected with Zach from speak straight mortgage and from day 1 he made the whole home buying experience very comfortable and very easy. His father in law Mike was also there every step of the way along with Matt! Those 3 Gentlemen made the whole home buying process so smooth for us that alls we had to do was go look at homes and put in an offer and the guys at speak straight took care of everything else! Thank you Zach, Mike, and Matt for helping us purchase our first home! Will definitely recommend anyone I know looking for their dream home!!

Michael


I can't say enough good things about Speak Straight Mortgage, especially Matthew Wentz. I’ve been trying to buy a home for so many years, and at times I felt completely hopeless. But Matthew changed everything. Not only did he explain how the system works—he actually sat down with me and showed me step by step. He made sure I understood every part of the process and never made me feel rushed or overwhelmed. Thanks to his patience, knowledge, and genuine care, I finally feel like I was given a real chance. I’m beyond grateful for his help. If you're looking for someone who truly goes above and beyond, talk to Matthew!.

Hassan


Mike is a true pro! We just completed another transaction together and there were SMILES all around the closing table! Mike and his team are trustworthy, reliable, honest, hard working, super knowledgeable on all facets of the lending business. I'm looking forward to our next transaction together.

Bill

Our Client Experience

Confusion (Before Meeting With Us)

Spent Hours Online Looking For Answers

Confused

Clarity (After Meeting With Us)

Gaining Clarity

Confidence (After Meeting Our Realtor Partners)

Enjoy Your Finding Your New Home

Rate Update

May 12 2025 Market Update

May 12 2025 Market Update

Looking for the latest mortgage rates? This May 12, 2025, update highlights current rates and APRs for FHA, VA, and Conventional loans based on a $400,000 purchase or refinance. It also includes updat... ...more

Mortgage Rates

May 12, 20250 min read

Learning Center

Closing Cost Explainer

Closing Cost Explainer

Learn how to estimate your true closing costs with this hands-on video lesson from Speak Straight Mortgage. Using a downloadable workbook, you'll break down lender fees, insurance, prepaid costs, and ... ...more

What Will My Payments Be?

May 17, 20252 min read

What Types of Loans Are Available?

What Types of Loans Are Available?

Ever find yourself puzzled by the different home loan options? FHA, VA, USDA, Conventional... What does it all mean, and which one is right for you? ...more

What Will My Payments Be?

May 16, 20251 min read

How Much Will My Payments Be?

How Much Will My Payments Be?

Learn what makes up a monthly mortgage payment in this clear, step-by-step video guide. Matt covers principal, interest, taxes, insurance, HOA fees, and mortgage insurance—plus how to estimate and com... ...more

What Will My Payments Be?

May 16, 20251 min read

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Innovation

Fresh, creative solutions.

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Integrity

Honesty and transparency.

Excellence

Excellence

Top-notch services.

Company NMLS # 2426226

Equal Housing Opportunity

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