|
Seasons_Loan_Application_Borrower_Authorization_Privacy_Policy_3_2024.pdf Size : 752.371 Kb Type : pdf |
|
|
Seasons_checklist_2024.pdf Size : 550.487 Kb Type : pdf |
|
|
Mortgage step-by-step process.pdf Size : 213.838 Kb Type : pdf |
|
|
Seasons_ways_to_increase_credit_score.pdf Size : 48.33 Kb Type : pdf |
|
|
Seasons_Glossary_of_Mortgage_Terms.pdf Size : 133.042 Kb Type : pdf |
Frederick McKinney | Seasons Capital Group, LLC
Top 1% U.S. Mortgage Loan Officer | Award-Winning Mortgage Broker | 30+ Years of Experience
Who We Are
With more than three decades of mortgage industry expertise, I’ve built a reputation for delivering the fastest, easiest, and most cost-effective closings—supported by exceptional customer service. As a family-owned, Colorado-based boutique mortgage company, Seasons Capital Group, LLC has proudly served clients since 2001 with a focus on integrity, efficiency, and personalized care.
We operate with lower overhead than traditional mortgage companies, which allows us to pass meaningful savings to our borrowers through lower rates and lower fees. Our mission is simple: provide “make-sense” mortgages that help you achieve your financial goals.
Our Core Principles
Every interaction is guided by our foundational values:
-
Trust & Integrity
-
Determination & Discipline
-
Compassion & Sincerity
-
Attention to Detail
These principles shape the way we communicate, structure loans, deliver solutions, and support our clients from pre-approval through closing.
What Sets Us Apart
Unmatched Accessibility
I’m available 24/7—including evenings and weekends—to answer questions, provide clarity, and guide you through every step.
Decades of Expertise
Since 1995, I’ve originated mortgage loans and helped countless families and individuals achieve homeownership. Experience matters when interpreting today’s lending guidelines, and my goal is to ensure a smooth, stress-free, fully informed transaction.
Extensive Lending Network
We are partnered with—or have access to—over 100 wholesale lenders and investors, enabling us to deliver exceptionally competitive interest rates, low closing costs, and customized loan options.
Financial Planning–Based Approach
Every borrower’s situation is unique. We prepare tailored mortgage illustrations that help you understand how to maximize your dollars and choose the loan structure that best fits your financial goals.
Award-Winning Service
We are multi-year recipients of industry awards, and the majority of our business comes from referrals—including past clients, real estate professionals, financial planners, CPAs, insurance agents, and attorneys.
Our Commitment to You
At Seasons Capital Group, you’re more than a customer—you’re our priority. We value long-term relationships and strive to exceed expectations by offering:
-
A simple, worry-free loan process
-
Competitive rates and low fees
-
Clear, transparent communication
-
Personalized guidance from start to finish
-
A 24-hour call center for after-hours needs
-
Fast pre-qualification and seamless technology
Whether your financing needs are straightforward or complex, our team works tirelessly to secure the best rate and terms available.
About Frederick
I’ve lived in Colorado since 1979 and earned my Bachelor of Science in Aerospace & Aviation Management Science (with Professional Pilot and Meteorology emphasis) from Metropolitan State University of Denver. I’m passionate about helping clients make informed financial decisions and take pride in offering service that is welcoming, honest, transparent, diligent, and prompt.
Outside the office, I enjoy spending time with my wife, Beth, and my son, Kade, who is an attorney in Denver. My hobbies include fishing, hiking, camping, golfing, skiing, boating, traveling, movies, music, and enjoying time with friends and family.
Let’s Work Together
I look forward to the opportunity to earn your trust and provide the mortgage solution that’s right for you. Whether you’re purchasing, refinancing, or consolidating debt, you can expect:
-
The best options,
-
The lowest rates,
-
The lowest possible closing costs, and
-
A seamless, guided experience from a dedicated professional who is always available.
Contact me anytime: 303-523-2209
Seasons Capital Group, LLC — Delivering exceptional service since 2001.
It's Simple!
Simplified online application
100% e-sign
Questions? Just call us! 303-523-2209
It's Fast!
Same day pre-approvals
24-hour underwriting
7 business day closings
It's Convenient!
Application – Check!
Approval – Check!
Time to Schedule the Movers!
https://www.sendinc.com/ (Send Secure Documents)
"Home Loans In Your Best Interest... Consider It Done!"
Nobody Closes Loans Faster!
On time. All the time. Every time.
We close loans fast as 7 business days & do it on a consistent basis!!!
(see below awards & testimonials)
🌟 Why Choose Seasons Capital Group, LLC Over a Typical Mortgage Lender?
At Seasons Capital Group, LLC, we go beyond the limits of traditional lending. Our team connects you with multiple lenders, negotiates the best terms, and guides you every step of the way — ensuring a smooth, transparent, and efficient loan process.
| Feature | Seasons Capital Group, LLC | Typical Mortgage Lenders |
|---|---|---|
| Access to hundreds of loan programs across multiple lenders | ✅ Yes — we partner with a vast network of lenders to find your best fit | ✖ Limited to their own loan products |
| Same-day replies during business hours | ✅ Always responsive and efficient | ⚠️ Limited responsiveness |
| Access to wholesale lender pricing | ✅ Get the most competitive rates available | ✖ Retail pricing only |
| Daily monitoring of lender rates | ✅ Constantly updated to secure optimal timing | ✖ No daily rate tracking |
| Can close in as little as 14 days | ✅ Fast closings made possible through our streamlined process | ⚠️ Rarely achievable |
| Dedicated advisor working directly for you | ✅ Personalized, one-on-one support | ⚠️ Often limited or automated assistance |
| Can switch lenders if issues arise during processing | ✅ Flexible — we can pivot without restarting your application | ✖ Stuck with one lender once you start |
| Leverages relationships with multiple lenders for better terms | ✅ Negotiates on your behalf for better rates and terms | ✖ Only offers in-house products |
| Can offer alternative solutions if one lender declines | ✅ Multiple options mean more approvals | ✖ One decline ends the process |
| Complete transparency of all fees upfront | ✅ No surprises — full cost breakdown before you commit | ⚠️ Sometimes unclear or delayed disclosures |
| One application for multiple potential lenders | ✅ Simplified process saves time and effort | ✖ Separate applications required for each lender |
💡 The Seasons Advantage
With Seasons Capital Group, LLC, you get:
-
A dedicated mortgage advisor working directly for you.
-
Access to hundreds of loan programs from trusted lenders.
-
Faster closings, wholesale pricing, and unmatched flexibility.
✨ Experience a smarter, simpler, and more personalized way to finance your home.
"We Create Mortgage Masterpieces"
Your mortgage on your terms-not the banks. Let's make it happen!
Testimonials
"I can’t say enough or give a better review of this company. From the moment we spoke to Frederick McKinney until closing and beyond, we were met with the most professional, knowledgeable and honest individual we have encountered. All questions were answered and also explained in detail. Guidance throughout the loan process is incredible! Refinancing 2 homes simultaneously with such ease shows the respect he has in this field is unmatched, ensuring every detail is met to expedite the process, ensuring a fast closing with no interruptions. The one-on-one connection without being transferred to different individuals in different departments makes every step from application on a pleasure. I can’t express enough how important this is. No questions go unanswered. You will get the best possible rates out there. You won’t be treated as just another number or dollar to be made, as with many companies out there. Fredrick will ensure you're in the correct loan, with the best rate for your specific needs. No gimmicks, full transparency. After having many companies reach out promising the world with no results, we finally found Frederick at Seasons Capital Group, LLC. A friend for life! We have recommend him to all contacts we have. You won’t be dissatisfied.
Bob & Rachel, Town of Barnstable, MA
"Working with our mortgage lender, Frederick McKinney, was absolutely outstanding from start to finish! From the very first conversation, he made us feel like our goals and concerns were his top priority. He listened closely, asked thoughtful questions, and truly understood what we were hoping to accomplish with our refinance. That level of attentiveness set the tone for the entire experience. His ability to act quickly is unmatched. Every time something needed to be done—whether it was gathering information, running numbers, or submitting documentation—he was on it immediately. We never had to wait or wonder what was happening. He kept the process moving efficiently and smoothly, which took so much stress off our shoulders. What impressed us most was how thoroughly he explained every part of the refinancing process. Fred broke down the details in a clear, straightforward way, making sure we understood not just what was happening, but why. He presented multiple options and then went even further by offering thoughtful, practical solutions tailored specifically to our situation. We always felt informed, supported, and confident in our decisions. His customer service is truly exceptional. Fred is warm, kind, approachable, and genuinely invested in doing what’s best for his clients. His understanding of the market is deep and current, and he used that expertise to guide us with complete transparency. He was consistently available, whether we had quick questions or needed a more in-depth conversation, and he always responded with patience and professionalism. His work ethic is tremendous. It’s clear he takes real pride in going the extra mile, and that personal dedication made all the difference. We felt like we had a true partner throughout the entire journey—someone who cared about our outcome just as much as we did. We honestly cannot say enough wonderful things about Frederick McKinney. If you’re looking for a mortgage professional who is fast, knowledgeable, customer-focused, and wholeheartedly committed to delivering an exceptional experience, he is the one to trust. We recommend him without hesitation!"
Nicki & Daniel-Widsor, CO
"I was a first-time home buyer and nervous about finding the right lender. I spoke with a few, then my former boss referred me to Fred. I couldn't have lucked out more. Immediately, it was a no-brainer to work with Fred. He made the process clear and super easy for me. He was literally the most responsive professional I've ever worked with. He was on top of everything. He made me feel like he was always looking out for me. I couldn't recommend him more."
Roger-Golden, CO
"Fred at Seasons Capital Group is a wonderful person to work with! We just refinanced our home with him and he makes the process so easy!! Just get him the information he needs and it gets done very quickly! We will always use him for new mortgages and refi needs!"
Wesley-Mishawaka, IN
"Fred was awesome to work with. He got us a great rate and was always available at anytime for a phone call to answer questions. For any type of purchase, whether it is a 30-day or 15-day closing… Fred is your guy!"
Jonathan-Denver, CO
"Thank you for everything...that was the smoothest house purchase anyone could ask for." :-)
Dave-Elizabeth, CO
"Fred has been our go-to for years now. He’s handled multiple home purchases for us and has done the same for several of our family members, too. Every single time, he manages to track down the best rate and makes the whole process feel easy. It’s a huge weight off our shoulders knowing we have someone so reliable in our corner who genuinely cares about getting us the best deal. We wouldn't go to anyone else!"
Elle & Arlin-Castle Rock, CO
"We cannot thank you enough for all of your hard work and efforts to assist us with our financing. We surely appreciate and value you as our expert and will definitely be calling again in the future."
John and Doreen-Aurora, CO
“Fred is so patient with our silly questions! He is amazing to work with! Fred is really, really nice and incredibly knowledgeable!”
Robert and Misty-Grand Junction, CO
“We are so pleased with Fred. Thank you so very much for recommending him to us. We are sticking with him as our lender.”
Amanda & John-Denver, CO
"Thank you so much for all your help and incredible patience with us through this whole process. We could not have done it without you. You are amazing!"
Graham & Sharmeen-Denver, CO
"Thank you so much for taking such good care of my friends.”
Tamara-Parker, CO
"Thanks again for being an awesome loan officer!!"
Amy-Evergreen, CO
"I have used Frederick multiple times to refinance loans. I would recommend him to anyone I know. He is fast and efficient, and I totally trust him. My parents have also used him for a Refinance and a Home Purchase.
He will beat anyone's pricing and rates due to the fact that he wants your business and when you are satisfied, you will recommend him to your friends. That is how he gets all his business. I love referring you...appreciate everything you do!"
Bob-Wheat Ridge, CO
"Fred is a great to work with. When it’s time to sign the docs, everything goes perfectly, no surprises and no upset borrowers. I have presented many deals for Fred. His clients are happy and chat about how they enjoy working with him."
Christine-Denver, CO
"Frederick is the consummate professional. He is a true "Mortgage Adviser," achieving an understanding of the needs of his customers first, so that he can tailor a solution with a product and rate fit to meet those needs. This is possible because of his knowledge of the industry, the right connections with the funding sources and the knowledge of the products required to accomplish timely closings in today’s marketplace. I have known and worked with Mr. McKinney for nearly a decade. Truthfully, those who remain, independent mortgage professionals are capable of doing so because of their work ethic and the work that they perform for those lucky enough to be their customers. Frederick, keep up the good work."
Andy-Denver, CO
"Freddie is one of the best, most reliable and hardest workers out there and will go the extra step to make sure that you, as a client, are fully satisfied. He also happened to be my superior for a short time, and I would say nothing but good things and that he only wants others around him, within his business or not, to succeed and strives to help where he sees a need with a true caring persona and heart."
Mark-Denver, CO
"Fred has been a client of mine for several years and my team and I enjoy working with him. He takes pride in his work and delivers the highest levels of service to his clients. He is an excellent communicator and is extremely knowledgeable about our industry. I highly recommend Fred to anyone looking to purchase or refinance."
Tonya-Highlands Ranch, CO
"Fred takes the time and puts in the effort to be sure his clients are getting his best. Every time. I would and do highly recommend him for all of your mortgage needs."
Brad-Denver, CO
"Frederick is a trustworthy expert in his field."
Hayden-Boulder, CO
"Fred is very knowledgeable of the mortgage market and consistently strives to provide his customers with the best available mortgage options."
Ted-Littleton, CO
"Fred is a great person to work with. He is constantly trying to find ways for his clients to save money by getting them the best loan possible for each client."
Mary Beth-Arvada, CO
"Frederick is a detail-oriented, results-driven mortgage professional. As a client of ours, he always delivered investment-quality loans and was always a pleasure to work with."
Kelly-Denver, CO
"Frederick completed a transaction together. He was a pleasure to work with and very prompt with his response. I experienced nothing but professionalism and excellent work. I look forward to working with him in the future and would recommend him to anyone looking for a residential mortgage."
Samantha-Denver, CO
"I have known Freddie for almost 20 years. He has always been a tireless and enthusiastic advocate for his clients. He has always been a creative problem solver and I would recommend his services to everyone."
Bryan-Parker, CO
"Fred McKinney with Seasons Capital Group, LLC is fast, thorough and a kick to work with."
Robin-Denver, CO
"Fred has been a trusted Financial Advisor who has helped my wife and I refinance our home in Castle Pines and take advantage of the savings offered via the Federal HARP Program. He is proactive, responsive, detail-oriented and has followed through on all his commitments related to the work at hand. He's a great person and I highly recommend him."-Top Qualities: Great Results, Personable & High Integrity.
Mark-Castle Pines, CO
"Working with Frederick has been a blessing...he has strong knowledge of the industry and excellent communication skills."
Eric-Fort Collins, CO
"Fred has always been extremely fast, detailed and professional in the way he conducts business. I would recommend Frederick McKinney to any investor or homeowner looking for professional results."
Timothy-Orange, CA
"Professional and gets the job done."
Darlene-Denver, CO
"Fred McKinney is a first-class businessman... stand-up professional."
Tracy-Parker, CO
"On behalf of Catherine and myself, thank you for all your hard work in coordinating the financing."
Steven-Denver, CO
"You Da Man."
Greg-Parker, CO
"Thanks for everything!"
Megan-Erie, CO
"He is a tireless professional dedicated to the craft of mortgage planning."
Scott-Castle Rock, CO
"Thank you for the continued follow-up. I truly appreciate it."
George-Highlands Ranch, CO
"I'm going to call you fast, Freddie!!!"
Jill-Denver, CO
"Thank you so much for coming out! I am glad to be working with you!"
Ann-Wellington, CO
"Thank you from the bottom of my heart for helping us get this awesome house!"
Tammy-Parker, CO
"I wanted to express my sincerest appreciation for all your hard work and EVERYTHING and everything you did to make it all happen! Thank you, Fred!"
Shawn-Aurora, CO
"SWEEEEEEEEEEEEET!!!! Thanks! You rock!!!!!!!!!!! You have been amazing J."
Jodi-Denver, CO
"Thank you so much for all your help. Couldn't have completed this without you."
Leon & Jennifer-Aurora, CO
"You're a great lender. I truly appreciate your follow-up and professionalism."
Sean-Denver, CO
"You are the hardest-working lender I've ever met here and I'm confident you will explore every available option. Not many lenders go above and beyond like you do. I always appreciate how hard you work to get files closed as early as possible. I will always refer business to you when I hear of anyone needing the best lender in Colorado
Monica-Aurora, CO
"I am always surprised at how fast you respond!!!"
Tony-Highlands Ranch, CO
"I'll be sending clients your way...appreciate all your help! Thank you so much, Fred! :)"
Monet-Elizabeth, CO
"I wanted to take time to thank you for your business. I appreciate you so very much and enjoy working with you. It is without a doubt that it is because of your professionalism and amazing customer service that your business has flourished to what it is today. It has been a great pleasure to watch your success and I am grateful to have had an opportunity to work with you!"
Amy-Denver, CO
"I refer everyone to you guys. Always love a broker you can trust." J
Daisy-Thornton, CO
"Very impressive! Great job!"
Cindy-Highlands Ranch, CO
"Wow!! Amazing work on your part. Thanks!"
Sandy-Castle Rock, CO
"You're the easiest lender in the world to work with...it's GOOD! You're the BEST!"
Cindy-Castle Rock, CO
"Thanks again for your amazing help!!!"
Melanie & Dave-Aurora, CO
"Thank you, Fred! You are the best lender in Colorado! Thanks for your help!"
Sean-Aurora, CO
"Appreciate all you've done for us to make this process go so smoothly."
Kat-Parker, CO
"Thank you, Fred, for all the help and for making the process smooth."
Kevin-Golden, CO
"Your loan went from submission to clear-to-close (CTC) in 1 day!!! Absolutely incredible work, Frederick!!!"
Xavier-Pontiac, MI
"Keep up the great work! Thank you for doing such a thorough job on your submission. We really appreciate it when you take the time to help ensure a smooth process for us, for you and most importantly, for our borrower."
Alexa-Pontiac, MI
"YOU'RE AWESOME!!!"
Barbara-Aurora, CO
"Thank you so much for taking such awesome care of our friends & family for all these years! We really appreciate it! You're the best!"
Steven & Kendra-Strasburg, CO
"We will refer you every chance we get! You're awesome!"
Justin-Castle Rock, CO
"We wanted to say thanks for making our refi as easy as it realistically could be. You took care of everything and all we had to do is supply information, and only once. The process was laid out in simple and easy-to-follow steps. Add us to your testimonies of satisfied customers...we'll be sure to spread the word."
Robert & Paula-Larkspur, CO
"Thanks for everything! I will be recommending you to anyone looking for a mortgage!"
Branden-Aurora, CO
"Thanks, Fred McKinney, Thank you! Thank you for your experience, professionalism, integrity and understanding while helping me refinance my house. Over six months ago, I began my journey to refinance my house because of the current market conditions. Everybody was taking advantage of the interest rates and I thought I would as well. What did not occur to me at the time was that while there was a rush from the public to refinance, it seemed as though there was a rush of inept, unprofessional brokers and lenders looking to take shortcuts and make a quick buck off the public. During this process, I encountered two other such brokers who would rather rush through the process and turn in another loan than make sure the numbers were right and it made sense for both parties. I was about to give up and continue with my current mortgage when a coworker mentioned your name and how well you had treated them. He gave me a good twenty-five-minute explanation of how well you had treated them. After he was done explaining the experience, I had no choice but to call. You greeted me on the phone and within minutes, I understood what my coworker was talking about. You asked questions, wanting to get to know me and my situation. You then took that information and started the wonderful process of being refinanced by your team. You would call and give me updates about every other day or when another step was completed. Your team would send updated videos explaining the process and giving more information on why the information was needed. In every request you had from me, you explained why you needed the information and how it was being used. Now I understand why the majority of your business is derived from referrals and previous clients. You treated me like I was an extended member of your family and for that, I am grateful. You followed through on every promise you made to me from that first phone call. I can honestly say that I am a lifelong customer from here on out. If I am buying, selling or refinancing, you and your team will be the company representing me in the process. Thank you again for everything! I will be recommending you to anyone looking for a mortgage!"
Rich-Highlands Ranch, CO
"Thanks for the super-fast closing in 7 days...easy!"
Lisa-Arvada, CO
"Thank you for making this refinance so smooth and quick!"
Sarah-Denver, CO
"Fastest mortgage transaction ever...7 days! Will be referring you to all my clients."
Vince-Centennial, CO
"Thank you for making this possible! I appreciate you so much!"
Tammy-Aurora, CO
"Very painless and quick...highly recommend! Your communication was amazing!"
Nathan-Castle Rock, CO
"Thank you so very much for all your help & time in making our dreams happen! We wish you love, light & continued success!"
Mike & Brenda-Parker, CO
"Thank you so much for all your support & expertise while buying my house. I appreciate everything. Glad to have worked with you and your team!"
Kara-Lakewood, CO
"Best loan officer ever! J"
Laura-Parker, CO
"I really want to thank you for your time and patience in helping me understand the process. You're a true professional and I appreciate it."
Steve-Arvada, CO
"I had my first home-buying experience and used these guys and I couldn’t have had a better, easier time buying. Mr. Fred assisted me and went the extra mile. He ended up knowing all of the ins and outs and even saved me over $6k when it came to closing. Extremely kind and patient person and company to work with. Explained everything to me and was always available. Thank you guys, so much!"
Up-to-date (anything pertaining to mortgages) information that is accessible 24/7?
How about customer service like no other, they actually answer the phone and usually Freddy, the President, answers personally. an actual human and not some a/i AI-generated answering machine!
Amazing, the strength and EFFORT PUT FORTH BY SEASONS CAPITAL GROUP, LLC.
They will get you your loan at a rate that is usually better than fair. And quickly.
So it's safe to say, why even deal with the rest when I'm telling you? Go with the BEST!
Seasons Capital Group, LLC will not only meet and exceed your expectations (as they did mine)."
Anthony-Arvada, CO
Steve-Strasburg, CO
We Treat Our Clients Like Family
Data collected by the CFPB (Consumer Financial Protection Bureau) under the Home Disclosure Act (HMDA) shows consumers can save as much as $9,407 in interest and fees on a 30-year, fixed-rate mortgage when they secure a loan from an independent mortgage broker. For example, the average 30-year fixed-rate mortgage for 2023 as reported by Fannie Mae and Freddie Mac was 6.81%. The average rate for mortgages originated by independent mortgage brokers sold to Fannie Mae and Freddie Mac securities 2023 was 6.51%. Thus, .30% savings!
Top 1% U.S. Wholesale Mortgage Broker
Top 1% Speed to Close
GET QUICK ANSWERS...CONSIDER IT DONE!
OUR MORTGAGE LOANS VS. THE COMPETITION...ARE THE EXACT SAME PRODUCT SECURED BY THE SAME ENTITIES (FHA, VA, USDA, FANNIE MAE, FREDDIE MAC, ETC...), SERVICED & FUNDED BY THE SAME LENDERS! HOWEVER, BROKERING (WE HAVE OVER 100 LENDER RELATIONSHIPS IN OUR ARSENAL), HAS LOWER OVERHEAD COSTS & IMPROVED EFFICIENCY!
WHICH EQUATES TO LOWER MORTGAGE RATES, FEES & QUICKER CLOSINGS!
WE WILL MEET OR BEAT ANY BONA FIDE WRITTEN OFFER!!
We don't work for lenders. We work for our clients.
SECOND LOOK
Compare your best offer with us today!
Make sure you're getting the best deal
WE ARE HERE TO SERVE YOU!
Best interest rates, lowest fees & quickest mortgage loans for purchase, refinance or debt consolidation (No Points and fees mortgage loan options are available-higher APR will apply).
Conventional (Fannie Mae & Freddie Mac), Jumbo, VA, FHA, VA IRRRL Streamline, FHA Streamline, FHA 203K, USDA, SBA, Reverse, HomeReady, Home Possible, HomeOne, HomeStyle, CHOICERenovation, BorrowSmart, RefiNow, Refi Possible, HomePath, LPMI, Non-QM, DSCR, Debt Service Coverage Ratio-nationwide, Non-Prime, Investment, multifamily, Mixed Use, No Ratio, CHAC, Chenoa Fund, CHFA, Construction-One Time Close, Stated Income, SIVA, Bank Statement, 10 Service Coverage Ratio99, Assets as Income, Asset Depletion, Delayed Financing, P & L, Foreign National, ITIN, HELOC, 2nd Mortgage, Commercial, Bridge, Land, Private & Hard Money, Blanket, Mezzanine, & Invoice Factoring Loans. *(All programs WAC and restrictions may apply).
Get the best mortgage loan when you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you!
Buying a new home is a source of anxiety, frustration & a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. For example, less paperwork & more personal attention. Thus, you enter a frustration-free zone from application to funding. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.
Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy & worry-free to reduce your interest rate & monthly payment. We can even help you pay down your balance more quickly for comparable monthly payments. In addition, we can even customize the terms & exact rate to accommodate you. Let our professionals guide you to the very best refinance mortgage loan!
Tapping into your home equity is easier than ever before. You've been paying down your balance & property values have gone up! Tap into that wealth & reward yourself. We'll help with the best program to fit your goals.
Our mortgage professionals give you the personal attention you deserve and treat you with the respect due to valued customers. We understand you're making a commitment to buying a new home, refinancing a mortgage or cashing out your home equity. So, we make a commitment to you. We will help you qualify, apply & be approved for the right mortgage loan for you. Not anyone else! contact us today to schedule an appointment & a free analysis.
Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.
EXPERIENCE, INTEGRITY, HONESTY & COMPASSIONITE DETAILED SERVICE = SEASONS!
Built on trust. Driven by results. Experts who don't push our interests-we put yours first.
We are licensed, bonded and insured.
Seasons Capital Group, LLC-NMLS #191692
Mortgage Loan Originator, Frederick McKinney
NMLS #258377
DORA Colorado-MLOL #100007825
To check the status of your mortgage broker, visit the following:
NMLS
http://mortgage.nationwidelicensingsystem.org/about/pages/nmlsconsumeraccess.aspx
DORA
e-License Online (colorado.gov)
CO SOS
Colorado Secretary of State - Business Database Search
Nationwide Investment Rental Property Loans-DSCR & Fix and Flip
Made for savvy real estate investors
DSCR (Debt Service Coverage Ratio) loans care about whether your property’s income can cover its mortgage payments, not your personal finances. These loans are ideal for experienced investors with one or more investment properties and self-employed individuals.
The traditional choice for homeownership
Conventional loans are ideal for borrowers with solid credit and stable income. These non-government-backed mortgages offer flexibility and favorable terms for those who want an affordable down payment.
Helping homebuyers overcome financing challenges
FHA loans make homeownership more accessible with lenient qualification standards and lower upfront costs. If you’re a first-time homebuyer, want a lower down payment, or have a moderate income, an FHA loan may be a great fit for you.
Made for those who serve our nation
VA loans are exclusively available to active duty service members, veterans, and surviving spouses. Made for those who have dedicated their lives to serving our country, VA loans offer benefits that traditional loans simply can’t match.
Designed for premium property buyers
Jumbo loans are made for homebuyers whose financing needs exceed the conforming loan limits set by Fannie Mae and Freddie Mac.If you want to purchase a high-value property, refinance your luxury home, or invest in premium real estate, a jumbo loan is the right choice.
Self-employed, investor, and foreign national loan option
Non-QM loans offer flexible solutions when conventional and government programs say no. These loans are the go-to option if you’re self-employed, investing in unique properties, or have a complex income documentation or verification scenario.
/mortgagemarvel/images/PL_Home_Loans_Blue_Border.png)
.png?timestamp=1710965093200)
.jpg?timestamp=1573443020853)
FREE Credit Reports. Federal law allows you to: Get a free copy of your credit report every 12 months from each credit reporting company...
HUD Special Information Booklet on Settlement Costs:
Settlement Costs Booklet (hud.gov)
find an approved HUD housing counselor (CFPB):
http://www.consumerfinance.gov/find-a-housing-counselor
Consumer Finance Protection Bureau (CFPB) mortgage help:
http://www.consumerfinance.gov/mortgagehelp
Fannie Mae
Freddie Mac
FHA
VA
USDA
Single Family Housing Programs | Rural Development (usda.gov)
FHEO Fair Housing & Equal Opportunity Booklet:
https://www.hud.gov/sites/documents/FHEO_BOOKLET_ENG.PDF
Seasons Capital Group, LLC is not endorsed by, nor acting on behalf of, or at the direction of the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture, the Federal Government, Fannie Mae or Freddie Mac. This material is informational only and is not an offer to lend or recommend available products. This is not an advertisement to extend credit as defined by Regulation Z, nor an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting guidelines and approval based upon the credit, assets, value of the subject property and borrower's ability to repay. Not all applicants are eligible for or qualify for all loan products offered. All loan programs, terms and conditions are subject to change without notice.
Seasons Capital Group, LLC 10491 Cheetah Winds Lone Tree Colorado 80124
Phone: 303.523.2209 Facsimile: 303.708.1334 E-mail: polopines@msn.com
https://www.facebook.com/SeasonsCapitalGroup/
https://www.linkedin.com/in/frederick-mckinney-1443a27/
Privacy Policy and Terms & Conditions
resources/SCG_Privacy_Policy.pdf
resources/SCG_Terms_and_Conditions.pdf
Seasons Capital Group, LLC
FASTER. CHEAPER. EASIER.
Making mortgages simple, transparent and stress-free
Copyright © 2026 | Seasons Capital Group, LLC | All rights reserved
Make a free website with Yola