Stevie de Gala · Northern Colorado Mortgage Broker
I’m Stevie de Gala, a mortgage broker based in Timnath. I help Northern Colorado investors compare hard money, private money, DSCR loans, and investor lines of credit—with firsthand investing and underwriting experience behind the conversation.
Serving Fort Collins, Timnath, Windsor, Loveland, Greeley, and Severance. Online consultations and in-person meetings by appointment.
Call (970) 415-0539Buying a home as a medical professional?Core investor financing
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Deal-specific financing for acquisitions, renovations, bridge needs, and properties that are not ready for permanent financing. Speed and flexibility can help, but the shorter term and higher cost need to fit the exit plan.
Explore private money02
Longer-term financing for eligible rental purchases and refinances. The property’s rental income plays a central role, while credit, reserves, value, and program rules still matter.
Explore DSCR loans03
For investors planning several acquisitions or overlapping renovations. Depending on the program, the structure may be a true revolving line or a hybrid line with property-level review.
Explore lines of creditStrategies supported
Acquisition price, renovation scope, rental income, financing cost, timing, and exit strategy all change which structure deserves a closer look.
Acquire, renovate, and sell with a clear budget, timeline, and resale plan.
Run a deal analysisPurchase, refinance, and review the portfolio for stronger cash flow and responsible ways to access capital for growth.
Get a free portfolio reviewDiscuss land, plans, budget, experience, contingencies, draws, and the intended exit.
Discuss a construction projectExperience behind the financing
Stevie developed a self-storage project from the ground up in Gilmer, Texas, then worked in commercial real estate underwriting and helped raise capital for multifamily projects.
That experience shapes the questions he asks about basis, renovation scope, rent, reserves, carrying cost, timing, and exit—not just the loan amount.
About StevieHow it works
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Use Find My Loan or the fix-and-flip calculator to describe the property, strategy, timing, and upcoming deal flow.
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Stevie reviews the request against applicable lender programs, tradeoffs, documentation, and current availability.
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Discuss the recommendation, prepare the deal package, and decide whether to apply—without having to repeat the story.
Also available
Programs designed around the income, contracts, education debt, and career path of eligible physicians and other medical professionals.
Investor FAQs
No. Stevie is a mortgage broker and financing resource. He compares relevant lender programs and helps structure the request; the selected lender makes the final underwriting and funding decision.
Potentially. Some programs allow newer investors, while pricing, leverage, liquidity, property condition, and the exit plan can change the available structure.
Lenders typically review the property’s rental income and expenses, value, credit, reserves, entity and documentation, along with current program requirements. Rental income alone does not guarantee approval.
Before the projects overlap. A planning conversation can compare deal-by-deal loans, a lender preapproval, or a true revolving facility where available.
Stevie is based in Northern Colorado and licensed in Colorado and Texas. Business-purpose private-money availability outside those states depends on the lender, property location, and applicable requirements.
Share your property, financing goal, and timeline. Book a conversation or request a callback without completing the loan questionnaire first.
Request an Investor Deal Review