Cherry Creek Mortgage Mortgage Review 2021
Please note: In response to the coronavirus pandemic, lenders are changing their requirements continuously. Although we strive for accuracy at the time of publication, please be sure to check with the lender for updated details on down payments, credit scores, etc.
At a glance

4.0
Bankrate Score
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Conventional fixed-rate and adjustable-rate (ARM), FHA, VA, USDA, home renovation, reverse mortgage/HECM; refinancing options include rate-and-term refinancing and cash-out refinancingNationwide availability
Available in 33 states; not available in Alaska, Delaware, Georgia, Hawaii, Kentucky, Maine, Massachusetts, Mississippi, Missouri, New Hampshire, New York, North Carolina, North Dakota, Rhode Island, Vermont, Virginia and West VirginiaMin. credit score required
620 for conventional loans; 580 for FHA loans; 620 for VA loans; 640 for USDA loans; 700 for jumbo loansPros and cons
Pros
- Provides a wide variety of loan options
- Offers first-time homebuyer programs and, when available, down payment assistance
- Pay your mortgage online through a secure, simple portal
- Website provides resources and educational articles
Cons
- Doesn’t offer home equity lines of credit (HELOCs)
- Not available in 17 states
Cherry Creek Mortgage overview
Cherry Creek Mortgage is an online and brick-and-mortar lender that offers loans in 33 states. It has originated $60 billion in home loans for Americans over the past 33 years. Established in 1987 as a three-person single office, Cherry Creek Mortgage today is headquartered in Greenwood Village, Colorado, and has more than 800 employees, most of whom have been with the company at least 10 years. “We’ve helped over 254,000 families finance a home, and someday we want to help at least one out of every 100 homebuyers,” said David Arnett, vice president of marketing and communications for the lender. Cherry Creek Mortgage also does business as 1st Mortgage Solutions USA, 1st Reverse Mortgage USA, America's Mortgage, Blue Spot Home Loans, Premier Mortgage Group, Rocky Mountain Mortgage and Swanson Home Loans.
Loan types
- Conventional fixed-rate
- Adjustable-rate (ARM)
- FHA
- VA
- USDA
- Home renovation
- Reverse mortgage/HECM
- Rate-and-term refinancing
- Cash-out refinancing
Lender fees
Cherry Creek Mortgage lender fees vary by state and branch location.
Minimum borrower requirements
Cherry Creek Mortgage adheres to the conforming loan requirements and underwriting guidelines for mortgages approved by government-sponsored enterprises (GSEs) Fannie Mae, and Freddie Mac, as well as those backed by the FHA, USDA and VA. Requirements will vary based on the loan and borrower.
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Cherry Creek Mortgage consumer reviews
4.9
138 reviews
Customer service rating
97% of reviews would recommend this lender
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The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.
To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
Great Company and Amazing staff
Matt | CA | 1/22/2020
Dan and Lexi were awesome. We had a smooth, fast and easy process refinancing our mortgage. I recommend them highly
The 5-Star reviews are real!
Marquis D. | Elk Grove, CA | 1/25/2020
When we decided to refinance our mortgage we turned to Blue Spot Home Loans. We chose them because of their reviews. Obviously, we were nervous because you never really know how things will turn out. We were very impressed! Thomas Smythe and Chad Garno were great! They were very thorough and answere...
Great service!
LT | Los Angeles | 1/30/2020
Dan and Lexi were great! Very responsive. They made the process seamless and were very clear in explanations on what to expect and what the next steps were. The refinance process was an ease when working with them. Very straightforward to work with.
Highly Recommend!
Lauren S | Chicago, IL | 1/30/2020
I can't say enough positive things about Dan & Lexi! We were a bit apprehensive about using an online based Lender because they were located in a different state but we couldn't be happier with how things went. They were extremely responsive, helpful and made the overall mortgage process very smooth...
Great Communication
Derek | San Francisco | 2/9/2020
I really enjoyed working with Dan and Lexi. They communicated clearly and quickly with me and were exceptionally responsive to my many questions. One specific thing I really appreciated was Dan patiently taking several phone calls from me in a single afternoon to explain a concept I wasn't understan...
Full mortgage process in 46 days!
Danny Taylor | Frenchtown, NJ | 2/18/2020
House buying is a process and getting into high gear during the Winter holidays adds another layer of complexity. Without doubt working with the whole Blue Spot Home Loans team was a great experience. From our Loan Officer Brian, dealing with out craziness around interest rates and late night East C...
First Class Service and Execution
Bruce B. | Dana Point, Ca | 3/25/2020
I’m happy to write this review to support Dan and Lexi from Blue Spot Home Loans, on my recent home refinancing. Not only are they terrific to work with, what they say is what they do! This has by far been my best financing experience to date and I know it will be the same experience for anyone t...
Professional and Efficient!
B. Bart | San Diego | 4/10/2020
Dan and Lexi were a great team. Together, they helped us navigate the loan process as fast as we've ever experienced. Because of their diligence and professionalism, we were able to simultaneously close on two great loans for our two properties in different states. Truly a pleasure to deal with.
3x - Flawless Experience
Lauri | Commerce City, CO | 5/8/2020
Every question I had, the rate I received, the timeliness of responses, the respect and courtesy delivered every step of the process - everything was excellent - and I've worked with Dan and Lexi on 3 separate occasions - I would call it the trifecta of refis. Highly recommend them. Thanks!
Solid experience
Kevin | Granite Bay | 5/15/2020
Dan and Lexi were great to work with during this chaotic time. We closed in 30 days thanks to prompt communication even on weekends. A good experience overall and a great rate.