20% Down Isn’t Always the Smart Move — Keep Your Money Working with 15% or 10% Down

Most lenders just quote rates. We engineer wealth-optimized mortgage plans so high-income buyers can build wealth while they buy their home.

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With 20 years of lending experience and a Series 7 financial-planning background, I’ll help you analyze 10%, 15%, and 20% down options using advanced financial-modeling software — so you can keep your money working hard while you buy your dream home.

Most Lenders Quote Rates. We Build Wealth Strategies.

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Trusted by Most Discerning Buyers

About Matt Nockels

Matt Nockels is the President of Impact Home Lending and has been helping clients build wealth through real estate since 2003. From 2010 to 2012, he worked as a financial planner and earned his Series 7 license — giving him a unique understanding of how mortgages fit into a client’s broader investment strategy.

Using professional financial-planning software, Matt and his team model each jumbo-loan scenario to reveal which structure truly accelerates long-term wealth.

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STILL NOT SURE?

Frequently Asked Questions

Find answers to our most frequently asked questions here.

What makes your jumbo loan strategy different from traditional lenders?

Most lenders only quote rates and terms. I use financial-modeling software to help you see how each down payment scenario impacts your long-term net worth, liquidity, and tax strategy.

Do you only work with buyers in Colorado?

We work with clients in Colorado and Florida, but we have connections and referrrals across the country.

Is there a cost for the private strategy call?

No, your initial strategy session is complimentary. It’s a value-focused consultation designed to help you make the smartest wealth-aligned decision for your mortgage.

What loan amounts qualify as “jumbo”?

Typically, any loan above the conforming limit (around $806,500 in most markets) qualifies as a jumbo loan. These limits vary by county.

Can you help if I’m self-employed or have variable income?

Absolutely. Many of my clients are business owners or have complex financials. We use detailed income analysis and asset strategies to ensure you qualify efficiently without over-leveraging. We can even underwrite with only one year of tax returns.

How long does the process take from application to closing?

Most jumbo loans close in about 30 days, but with all documents in quickly, we can close in as little as 21 days. Our team moves fast and keeps you updated every step of the way.