TETRAMORTGAGE

YourMortgageExpert

Unlimited access to top lenders for all loan programs from 170+ elite lenders. Precision financing for modern homeowners.

5.0
Google Rating
170+
Wholesale Lenders
CO
Licensed State
APPLY NOW (983) 777-4557
CO
James Rangel — Mortgage Broker
James Rangel
Mortgage Advisor
NMLS #2057635 · Co. NMLS #2882569
30-YR CONFORMING 6.454%30-YR JUMBO 6.476%30-YR FHA 6.308%30-YR VA 6.119%30-YR USDA 6.213%15-YR CONFORMING 5.742%170+ LENDERSUPDATED DAILY30-YR CONFORMING 6.454%30-YR JUMBO 6.476%30-YR FHA 6.308%30-YR VA 6.119%30-YR USDA 6.213%15-YR CONFORMING 5.742%170+ LENDERSUPDATED DAILY
TETRA Mortgage

Four Pillars.
One path to homeownership.

Built around the 4 C's of mortgage lending.

Credit

Your history of repaying what you borrow.

Capacity

Your income and ability to carry the payment.

Capital

Your reserves, savings, and down payment.

Collateral

The property that secures the loan.

Credit • Capacity • Capital • Collateral

The Tetra Method™

The Tetra 4×4.

Mortgage lending built around four. Every dimension of your loan organized into four clear parts — so you always know where you stand.

4 C's of Underwriting
  • 01Credit
  • 02Capacity
  • 03Capital
  • 04Collateral
4 Parts of PITI
  • 01Principal
  • 02Interest
  • 03Taxes
  • 04Insurance
4 Core Mortgage Stages
  • 01Application
  • 02Processing
  • 03Underwriting
  • 04Closing
4 Major Loan Families
  • 01Conventional
  • 02FHA
  • 03VA
  • 04USDA
4 Elements of Loan Structure
  • 01Loan Amount
  • 02Interest Rate
  • 03Term
  • 04Payment
4 Key Financial Factors
  • 01Income
  • 02Assets
  • 03Credit
  • 04Debt
4 Property & Transaction Factors
  • 01Property Value
  • 02Down Payment / Equity
  • 03Occupancy
  • 04Property Type

Loan families are the four major residential categories — not an exhaustive list.

Built on Four Foundations

Credit · Income
Assets · Property.

Every TETRA approval rests on four pillars. We test each one — transparently — so nothing surprises you at the closing table.

01
Trust

Credit

Your credit history and score — the trust profile we build your approval on.

02
Earnings

Income

Your ability to repay, structured around real earnings and stable capacity.

03
Treasury

Assets

Cash, savings, investments — the reserves that anchor your loan.

04
Real Estate

Property

The property securing the loan — appraised, validated, protected.

Explore each foundation

Loan Programs

Mortgage solutions
tailored to you.

With access to 170+ trusted lenders, we'll find the perfect loan to match your financial goals.

Conventional

Traditional financing with competitive rates for qualified buyers.

FHA Loans

Government-backed loans with lower down payments — ideal for first-time buyers.

VA Loans

Zero down payment loans for veterans and active military members.

USDA Loans

Rural development loans with no down payment for eligible areas.

Jumbo Loans

Financing for luxury properties that exceed conventional loan limits.

First-Time Buyer

Down payment assistance and education for new homeowners.

Bank Statement

Self-employed? Qualify using bank statements instead of tax returns.

203k Renovation

Finance your home purchase and renovation costs in a single loan.

Reverse Mortgage

Homeowners 62+ can convert equity into tax-free cash, no monthly payment.

Refinance

Refinance Analysis

Is it time to refinance?

Refinancing replaces your current mortgage with a new one — often at better terms. We'll run a free analysis to see if refinancing makes financial sense for you.

  • Lower Your Rate
    If rates have dropped since you closed, refinancing could save you hundreds per month.
  • Cash-Out Equity
    Tap into your home's equity for renovations, debt consolidation, or major expenses.
  • Shorten Your Term
    Switch from a 30-year to a 15-year mortgage and pay off your home faster.
  • Remove PMI
    If your home has appreciated, refinancing can eliminate private mortgage insurance.
Apply NowCall for Free Analysis

What T.E.T.R.A. Means

The Essential Tetra
Review & Approval.

A framework, not just a name. Every letter is a discipline we hold ourselves to.

T
T
Transparency

Clear numbers. No surprises.

E
E
Education

Borrowers understand PITI, DTI, LTV.

T
T
Technology

An efficient, modern process.

R
R
Risk Management

Structured, defensible underwriting.

A
A
Achievement

Homeownership secured.

Track · Examine · Test · Review · Approve

From application
to closing day.

Five visible checkpoints, one clear path.

T

Track

Application

E

Examine

Processing

T

Test

Underwriting

R

Review

Final Conditions

A

Approve

Close

5.0 on Google

What our clients
are saying.

Real stories from families we've helped close on the home of their dreams.

"The best broker I have ever had the pleasure of working with. Very knowledgeable, professional, and compassionate in whatever situation comes your way during the process. Will never use anyone else."
Maxine M.· Denver, CO
"Really enjoyed working with the TETRA team. They got it done in record time and my family was able to celebrate and decorate for Christmas."
Jesse C.· Denver, CO
"Very knowledgeable and always willing to explain step by step. Encouraging throughout the way. 10/10!"
Elicia M.· Denver, CO
"Highly recommend. Professional, knowledgeable, prompt and high-quality service. Guided me to the best decision for my future."
Saul M.· Denver, CO

Ready to begin

Your home is waiting.
Let's structure it.

Pre-approval takes minutes. No commitment, no hard credit pull required to see your rate.

Apply Now (983) 777-4557