Mortgage Lending · Denver, Colorado
The Gratitude Group
The mortgage lending company behind The Élevé Collective — a separate team, built to work alongside your agents.
Powered by Barrett Financial Group, L.L.C. · NMLS #181106
Wholesale lending, done with gratitude.
The Gratitude Group is an independent mortgage lending company. We aren't tied to one bank's rates or rules — we shop 300+ lending partners on your behalf, so you get the program and pricing that fit your situation, not the one that fits ours.
Vicki Howard and LaTasha Goins originate loans through The Gratitude Group and also hold real estate licenses with The Élevé Collective. That's why our lending team is already on the same side of the table as your agents — one plan from the offer to the closing table, with no surprises in between.
Why one team
Why it pays to have your agent and lender on the same team.
When your agent and your loan officer have never met, you end up playing messenger in the middle of the biggest purchase of your life. Here's what changes when they work side by side:
- Offers built on real numbers. Before your agent writes an offer, they already know what you're approved for and what your payment looks like at every price point.
- Faster answers when it counts. Seller wants a 21-day close? Wondering if you can cover an appraisal gap? You get an answer the same day, not three days of phone tag.
- A pre-approval with weight behind it. Listing agents can pick up the phone, get a straight answer from your lender, and take your offer seriously.
- Fewer surprises after contract. Appraisal issues, repair negotiations, rate changes: we see them coming and solve them together.
- One plan, offer to keys. No handoffs, no "I'll have to check with the other side."
Already have a lender you love? Keep them. Our agents work with lenders all over Denver, and using our in-house team is always your choice, never a requirement.
Loan programs
Every loan type. One team.
Conventional
Flexible terms for buyers with solid credit, including low down payment options and jumbo loans for higher-priced homes.
FHA
Lower down payments and more forgiving credit guidelines — a strong fit for many first-time buyers.
VA
Zero-down financing for eligible veterans, active-duty service members, and surviving spouses.
USDA
No-down-payment loans for eligible homes in qualifying rural and suburban areas.
Renovation & Jumbo
Financing for homes that need work, and for purchases above conforming loan limits.
Down Payment Assistance
CHFA and local Colorado programs that help cover the upfront costs of buying.
How it works
From application to keys.
Get qualified
A short online application takes about 10 minutes.
Strategy call
We review your numbers together and map out your price range, monthly payment, and any assistance you qualify for.
Shop with confidence
You'll go under contract with a pre-approval that listing agents take seriously.
Close
We stay with you from contract to keys — and after.
Get qualified
Choose your lender.
Both applications go through the same secure portal. Pick whoever you'd like to work with — you'll have the whole collective behind you either way.
The Gratitude Group is powered by Barrett Financial Group, L.L.C., NMLS #181106 · 4600 S Syracuse St, Suite 330, Denver, CO 80237 · Fax (800) 385-3630. Equal Housing Opportunity. This is not a commitment to lend; all loans are subject to credit approval. Program availability, rates, and terms vary by borrower and are subject to change.