A mortgage nerd you can trust
Buying your home is the most important decision of your life. You should have someone on your side. Let me crunch the numbers so you don't have to.
Let's get nerdy.
No matter what stage you're at, I can help you find the best possible solution.
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NMLS #513250
Licensed & Verified
Hi, I'm Denise—and I nerd out on mortgages
While others dread spreadsheets and interest calculations, I live for them. My passion for numbers and helping families achieve their homeownership dreams led me to become The Mortgage Nerd.
I believe everyone deserves a mortgage expert who explains things in plain English, fights for the best rates, and actually picks up the phone when you call.
- 15+ years of mortgage industry experience
- Licensed throughout the United States
- Certified Mortgage Planning Specialist
- 500+ happy homeowners served
Why I Do What I Do
When I was a teenager, my family lost our home to foreclosure. I watched my parents—hardworking, honest people—crushed by a system they didn't understand and advisors who didn't take the time to truly help them.
That experience changed everything for me. I made a promise to myself: no family should ever feel that helpless. I dedicated my career to understanding every corner of the mortgage industry—so I could be the expert my parents never had.
Today, I'm on a mission to transform homeownership from a source of stress into a blessing that builds generational wealth. Whether you're buying your first home or your forever home, I'm here to guide you every step of the way—with honesty, expertise, and genuine care.
"If I can teach a mom and a dad about finances, then we can create generational change for that household. That's why I do what I do."
Transparent rates, no surprises
These are the national average rates today before I shop for you. Your actual rate may vary.
Learn how I shop rates for you
Most people accept the first rate they're offered. I don't let that happen. I shop across dozens of wholesale lenders to find the best combination of rate, fees, and terms for your specific situation.
The data presented is an average with 1 discount point, 20% down payment and 800 FICO score. Options shown are 30 Year fixed rates. This is collected from Freddie Mac's Primary Mortgage Market Survey® (PMMS®) and are provided for informational purposes only. The data are not rate quotes and are not intended as an advertisement of interest rates as defined by Regulation Z, Section 1026.2. The PMMS does not provide any APR data and therefore APRs are not included herein. Additional PMMS information: The financial and other information contained herein speaks only as of the data posted herein. In general, the data presented were calculated from information collected Monday through Wednesday of the same week that the PMMS is released and may not reflect mortgage rates, fees or points currently available. Averages are for conforming mortgage with 20% down. Average fees and points are provided to reflect the total up-front cost of obtaining a mortgage (one point equals one percent of the loan amount). Freddie Mac, and/or the provider of this information, is/are not responsible for any decision made based on the reported results of the PMMS. PMMS data is provided “as is,” with no warranties of any kind. This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approval. Equal Housing Lender. AML Lending NMLS #1910591 .
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Ready to nerd out on your mortgage?
Let's find the perfect loan for your situation. Schedule a call and I'll show you exactly what's possible.
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