Lou has over 22 years' industry experience and possesses the necessary skills and insight to find the right loan program unique to each client's needs. Operating in Colorado, he knows the area market and its people incredibly well, and they have recognized his performance and reputation with various awards and acknowledgements. A former board member of the Society of Mortgage, Appraisal, Realtor and Title Professionals, he has the in-depth knowledge and connections to close loans fast for clients. Inspired daily by his wife and their kids who exhibit a joy for learning, he makes certain that he is always finding new ways to make the mortgage process better for everyone involved, but especially clients. With Guaranteed Rate Affinity's wide range of products and programs, and Lou's diverse industry expertise, homebuyers and those looking to refinance are in good hands. In his spare time, he loves to teach his kids and coach them in sports, go biking, ski, golf, play tennis, cook and scuba dive. Call Lou today to handle all your home-financing needs!

VP of Mortgage Lending

Lou Tornambe is your Denver local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lou is committed to helping homeowners with home purchase loans and refinances. Contact Lou at (303) 880-9977 for more information!

Lou Tornambe at Guaranteed Rate Affinity (NMLS #257554)

Tami and I bring over 60 years of combined mortgage experience and have had the privilege of helping more than 2,500 families achieve their homeownership goals. Whether you're purchasing a home, refinancing to secure a better rate, or leveraging your equity with a HELOC, we provide expert guidance, competitive rates, and a seamless mortgage experience.  
We are experts in refinances, ensuring you get the best possible terms while making the process quick and stress-free. Need to close fast? We've got you covered—whether it's a purchase, refinance, or HELOC, we make it happen smoothly and efficiently.  
We're not just lenders—we're problem-solvers. Known as the "Firemen" of the mortgage industry, we specialize in overcoming challenges and stepping in where others fall short. Tami's favorite quote, "There are no traffic jams on the extra mile," reflects our unwavering commitment to service and excellence.  
Beyond mortgages, we are passionate about giving back. We proudly serve on the Board of the Suddenly Pink Foundation, supporting families affected by breast cancer, and organize an annual Christmas toy drive benefiting the Latino Safe House and the Rose Andum Center.  
Join Team Elsby for a mortgage experience that goes beyond transactions—where expertise meets compassion, and where your goals become our mission. Whether you're looking to buy, refinance, or explore your home equity options, we're here to help.  
Give us a call and let us show you the way home—quickly, stress-free, and with a team you can trust!

Pete Elsby (NMLS #222938)

Team Elsby is your Denver local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Team is committed to helping homeowners with home purchase loans and refinances. Contact Team at (720) 949-5639 for more information!

Team Elsby at Guaranteed Rate Affinity

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Regional Manager

Matt Cope is your Denver  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Matt is committed to helping homeowners with home purchase loans and refinances. Contact Matt at (720) 920-6800 for more information!

Matt Cope at Guaranteed Rate Affinity (NMLS #1826692)

Sam Skipworth is your Denver  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Sam is committed to helping homeowners with home purchase loans and refinances. Contact Sam at (303) 557-3844 for more information!

Sam Skipworth at Guaranteed Rate Affinity (NMLS #1389532)

Dake Carroll is your Northern Colorado local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Dake is committed to helping homeowners with home purchase loans and refinances. Contact Dake at (970) 214-2602 for more information!

Dake Carroll at Guaranteed Rate Affinity (NMLS #316856)

Denver

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5 Loan Officers Denver, CO