We approve Colorado loans that others won't or can't.


Offering unparalleled mortgage and refinance services for clients throughout Colorado.



We work with dozens of lenders so you get the best loans available.



Excel Financial Group is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Colorado. Excel is a wholesale mortgage shop.  This means we shop for our client’s loans to dozens of different lenders, making them compete on price, interest rates, and loan options.  This is one of the many ways we insure our clients get the best loan available.  Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true.

At Excel Financial, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.


How we can help.

Home Purchase Loans

Home Refinance Loans

Home Equity Loans

Cash Out Home Loans

Jumbo Home Loans

FHA Loans / VA Loans

USDA / Rural Development Loans

And Much, Much More!

Ready to Select Chris Lawhead as your Loan Officer?



What our clients are saying.

Chris and his team at Excel Financial did a great job with my clients. They communicated with me regularly and always let me know of any potential pitfalls before they happened. I appreciated Chris’s sincerity concerning the client’s ability to qualify and how to overcome some challenging obstacles along the way. I would recommend Chris and Excel Financial to all my clients. Thanks!
Chris Merman, LIV Sotheby’s International Realty

I just wanted to say a big thank you for the wonderful customer service you and your team provided us with our new home loan.  I have worked with a handful of other lenders over the years as an investor, and I was really impressed by your professionalism, knowledge, and ability to get the loan closed on time.  You also made the process as smooth as I’ve ever experienced, and as a self employed person that is really saying something.  It’s not every day that you can find the best service at the lowest price, but that is what you are providing.  I will be referring you to everyone I know needing a loan and I look forward to working with you again on my next deal!
Matt Amundson, Investor

When all options seemed to be exhausted – Chris Lawhead came through big. I have been in this business long enough to recognize talent and competence–he has both!
Kalei Pitcher, Realtor

Chris was able to save my earnest money and quickly secure my family a loan on our desired residence, after a major lending service denied us the day before closing. Chris was diligent, truthful and transparent with his knowledge throughout the process. He even saved me thousands of dollars at closing when compared to the other lending services costs. I strongly encourage you to use Chris Lawhead to facilitate your mortgage.
Scott Snoy, Geologist

Chris and his team were transparent, diligent, and closed our two loans a week early!  They were able to navigate our very complicated tax returns and find solutions to tricky income scenarios. Their calculations and service were excellent. I highly recommend them.
Don L.  Engineer, Investor

I compared multiple lenders, some said I had “no chance” of getting a mortgage after a long process of providing documentation. Chris and Excel Financial found a solution and now our family owns our first home!
Karen S., Teacher

Chris went above and beyond while securing our loan. He counseled us throughout the process and closed our loan on time! He lived up to his motto of ‘under promise and over deliver’. I would recommend talking to Chris before you start shopping for a home.
Brian W., Firefighter

Solid numbers, good service, and transparent with the costs involved.  I’ve used them for purchases and refinancing.  They’ve secured multiple loans for my Real Estate investments.  I’ll use them again.
Tony S., Investor

About Chris

This is the guy.

Chris Lawhead -

Mortgage Broker, Loan Officer

My team at Excel has over 30 years of combined experience in the mortgage industry. The brain power and integrity of this group is second to none. Our numbers, service, and commitment to our clients has driven our success for the last 13 years. 


What we're thinking.

Mortgages 101: Financing Real Estate

Mortgages 101: Financing Real Estate

The largest and most important investment most people will ever make in their lives is buying real estate. Ask the right questions, do your homework, and prepare for success. Four Pillars of Mortgage Loans.  Ask these questions! How much will you charge me? What are the points and fees? Fees can be disguised as many things; orientation […]

Mortgage Approval Process

Whether you’re a First-Time Home Buyer or seasoned investor, the mortgage approval process can be a slightly overwhelming adventure without a proper road map and good team in your corner. Make sure to educate yourself on the Mortgage Approval Process Blog so that you are fully aware of what’s to come.   
Mortgage Approval Process

Contact Us

We have offices in Centennial, Westminster and Fort Collins.

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