Steve Goshia                 Email:


Steve is the best! My family has worked with him in the past on many of there home purchases. Steve just recently helped me purchase my first Condo in Denver. He is super responsive and educational about the entire home loan process. I would highly recommend him to anyone!

Scott C

I could not give higher recommendations than I do for Steve and Home Loan Mortgage. He has helped me with two refinances and has always found great deals and ways to save closing costs. I am about to purchase another home and I would not go anywhere else but Steve and Home Loan Mortgage.

Robert S

Steve did an amazing job of lining up the best possible mortgage options for us and getting us into a fixed rate mortgage at a great rate. Excellent personal service.

Noah S

Steve was exceptional to work with. He closed our loan quickly and made the process so easy. I'd highly recommend Steve for a completely professional home loan experience.

Laura S

Steve was amazing, and he truly made the entire deal come together! He called the listing agent immediately after our offer was sent, and made sure they knew that our buyer was completely qualified. This was a huge role in getting our offer accepted! We did a very quick close and he met every deadline and updated me during the entire process. He was so easy to work with, and made the entire transaction so easy on my end. I will absolutely be using and recommending Steve to all of my clients!

Brooke C

Steve Goshia is World Class. I've known Steve professionally for over 20 years and he personally has helped us with purchasing a new home as well as refinancing them. He truly watches out for you personally and makes sure you can stay within your means. He possesses a high level of integrity and communication through the process and ensures the best contract possible. Thanks Steve!

Shawn and Cindy W

We have known Steve for over 20 years and consider him not only our mortgage broker but also a trusted friend. We own a small business and obtaining a mortgage when self- employed is not an easy or enjoyable process. Steve has made our home purchases as well as refinancing as painless as possible. He anticipates questions from the lender and makes sure we have the proper documentation and answers. He always give us multiple loan options and explains the pros and cons of each. Because of our relationship with Steve, we have made wise real estate decisions and are successfully positioning ourselves for retirement. We have two grown children who have worked with Steve and now own property because of his expertise and guidance through the purchasing process. His knowledge, patience and attention to individual situations makes him an excellent mortgage and insurance broker and someone our whole family would highly recommend!

Betsy and Greg

Steve has been our loan adviser for two homes now in Greeley. He has been efficient and honest with his advice on our loans. If we find another home in Greeley we like, we will definitely go to him for help! We highly recommend Steve for your loan needs. And he like Starbucks, too!

Todd and Jerilyn

Steve made the financing process easy. We wanted a custom length loan and Steve quickly compiled our options so we could choose the length and interest rate that was right for us. He is thorough and courteous, and never pushy. I refer him to all my friends.


"Steve does a great job simplifying the daunting task of refinancing and breaking it all down to be easy to understand, especially for inexperienced newer homeowners like us. We could clearly see from the beginning that Steve has both experience and integrity on his side, and by not working for any one lender, was able to offer us much better options than what we had already seen elsewhere, and in more personal, no-pressure way. We were able to save hundreds a year by using his services, and hundreds more when we switched our insurance over to the better options he was able to find us as well. And if we ever have questions, he is available quickly and gives concise answers every time. We recommend using his service to all our friends and wish we had sooner!"

Amy and Matt

We have worked with Steve and Home Loan Mortgage for several years. Most recent, Steve helped us with two new mortgages in 2017. Steve made the whole process very easy and painless. He helped us get the best rates possible, communicated with us throughout and was a pleasure to work with. We highly recommend Steve for anyone needing a home loan!

Doug and Sandi

"Steve has handled two moves and one refinance for us since we've lived in Colorado. He is very professional, caring and easy to work with. He laid out the process for us in a way that was simple, easy to understand and was never overwhelming as some mortgages can be. He is a wonderful mortgage professional as well as a great friend. We will be contacting him in the future when it's time to move to our retirement home!"

Beth and Chris M

We've had the pleasure of working with Steve on numerous occasions as he guided us through the process of refinancing our home mortgages over the years. Every time seems easier with less hassle and we can't thank him enough for his work. Steve is easy going, professional and knowledgeable.

Dennis and Julie F

I have worked with Steve Goshia for my mortgage, financing, and insurance needs for over 20 years, and I have always been impressed with his knowledge and ethics. He gives me an accurate and unbiased explanation of all my options even if it means I can get cheaper service from one of his competitors. But that is a rare occurrence since Steve's prices are always the lowest around and much more reasonable than the big operations. Thanks Steve!

Steven N

Steve has provided us with his services on several real estate purchases and refinances. We have always appreciated the professional results and the efforts Steve took to make the transactions as smooth as possible. We would not consider working with another mortgage broker.

Pete and Liz

Steve has been providing outstanding service to my family for 18 years. He has consistently provided professional advice and services in simple, friendly and easy to understand conversation and communications. Steve has always taken a proactive and personal interest in my specific needs, not only at a specific moment, but also as my personal situation has changed over the years. Steve has become a trusted advisor who I regularly seek advice from and never hesitate to recommend to family and friends.


Steve was instrumental in my husband and I being able to purchase our first home in a very competitive market. He walked us through the process seamlessly and we knew that he had our best interests in mind at all times. After some time, Steve assisted us with refinancing our home and was able to save us a great deal of money. Steve is very easy to work with, reliable, and trustworthy!

Danielle T

We are so thankful for Steve. We have refinanced multiple times and have used him every time. He is so honest that you know you are getting the best possible rate. He has been so helpful through all of our questions! We will continue to use Steve in the future! Highly recommended!

Vanessa B

Steve has been my mortgage guy since my first house in 2000, through my refinances, and for the house we bought in 2016. Over the years he has provided above-and-beyond service by pointing us in the right way to do a for-sale-by-owner deal, both as buyer and seller, and it worked our great. Once, when another provider offered to refinance for a great rate, Steve looked the offer over for me and recommended that I go with them in that case because he couldn't beat it-that speaks volumes for his integrity. Steve also handles all of my financial questions about how things work with patience and with a level of detail that builds confidence. I have personally recommended several friends to Steve over the years, and will continue to do so.

Jon U

"I have worked with Steve on a number of occasions in dealing with my mortgages, both personal and professional. He has a great understanding of the market and area. He works with my best interest in mind and provides options with insight to the industry. I have been able to rely on him to get the job done efficiently and painlessly. I recommend him to anyone looking for a broker in Northern Colorado."

Craig R

My wife and I have been doing business with Steve for 4 years. Steve brokered our first home as a new family. Then a year later he helped us refinance to a 15 year loan. Both times I've worked with Steve he goes beyond what's required of his job description. He truly wants what's best for his customer. In our case there was a better rate that came available after we had already selected our rate. He made the appropriate changes and got us the better rate. Steve doesn't end his business with you after the sale is complete. I've spoke with Steve several times since our last closing about different financial issues and he has been extremely helpful every time. And then there's the contests. Once you become a customer of Steve, he includes you in his several contests and benefit programs that he conducts throughout the year. I couldn't be more pleased with Steve's professionalism and I recommend his services to anyone looking to find financing. If you want the best product you go to the best provider. Look no further than Steve Goshia.

Chris K

We have worked with Steve several times over the years for a 1st mortgage, and refinancing. Steve is very knowledgeable and helpful throughout the process. Great customer service and attention to detail. We have full confidence and trust in Steve's mortgage and financial service!

Diana C

I worked with Steve Goshia when I helped my son purchase a town home. Steve provided an in-depth loan analysis, gave us several loan options and guided us through choosing the mortgage that best suited our needs. He was diligent in helping us through the complexities of the FHA loan process. I highly recommend Steve for your home loan mortgage needs.

Carol S

Steve made getting a mortgage that would fix our budget simple and pain free. He was able to work with our special circumstances and made sure we understood every step of the process.

Melisa B

Steve and I have known and worked with each other for over 15 years. Steve has done many mortgages for us and he's been able to find great solutions for any of our needs. What's great about Steve is that he's dependable, honest and does the work fast. His easy going manner makes the overwhelming process seem easy to understand and even easier to get completed. Need a mortgage? Talk to Steve.


I've done several loans with Steve and he has always been straight-forward and honest. There are never any surprises when dealing with Steve. I've recommended him to several friends over the years and will again.

Bob L

"We have known Steve Goshia for almost 20 years. In that time, he has done over 10 mortgages/refinances for us. Each time, he was able to lower our interest rates, and many times avoid closing costs. Steve is just so creative! Once when we were building a house, we needed a construction loan halfway through, and he came up with a great solution for us. We love how easy he made the process each time, from filling out the applications to signing the papers at our dining room table. Steve was always honest about every step of the process, and we trust him 110%. We would never use ANYONE else for a mortgage!"

Patti and Bill V

Steve has been handling our mortgage and refinance needs for nearly 20 years. We have done numerous loans over the years and each and every one has been managed proactively and professionally. The few mortgages we've executed without Steve have been frustrating and labor intensive. Steve on the other hand always comes to us with opportunities to save money and avoid unnecessary costs in every situation. He can explain all the options available, and the positive and negatives of each. If you want someone who works hard (and smart) for his customers, Steve is the right resource. We have also started using Steve for our insurance needs as well, and have been highly satisfied with the value he's able to provide in doing the legwork to find the best insurance solutions for our family. I can't imagine ever using someone else for our mortgage and insurance needs!

Samantha and Chuck B

Working with Steve was easy and exciting. Being first time home buyers, there are of course some nerves that come with the process, but Steve made us feel confident and ambitious as he kept us well informed along every step of the way. We are so happy we entrusted him with this experience!

Corey & Maddie P

"I'm a Colorado licensed real estate broker, and I've been very impressed with the way Steve has worked with my clients. He keeps everyone fully informed of progress, he's responsive to emails and phone calls, explains processes very clearly, and overall does his utmost to bring the transaction to a successful close. He has an easy-to-work-with style that has been perfect for newer home buyers."

Donna W

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