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Home Team Lending

At Home Team Lending, we’re here to make your home buying or refinancing journey simple, stress-free, and tailored to you.
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Let’s Find the Right Mortgage Path for You

Buying a New Home
Which loan fits your unique needs? What can you afford? Home Team Lending is here to guide you, answer questions, and make the home buying process smooth and simple for you.
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Refinancing Your Home
Thinking about refinancing? TJ’s deep experience helps you understand the process, cost, and if it’s right for you. We’ll guide and support you every step of the way with care.
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Apply Online Today
Our knowledgeable team is always here to help you apply with ease. Whether buying or refinancing, we’ll answer your questions and guide you through the entire process.
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Our Promise to You

  • Excellence
  • Positivity
  • Growth
  • Compassion
  • Integrity
  • Communication
  • Service
At Home Team Lending, our core purpose is to create long-lasting relationships with each of our clients by providing professional and high quality lending services in a welcoming environment.

Meet Our Team

Home Team Lending is a local Northern Colorado mortgage lender that has been in business since 2000. Our model is based on teamwork that gives our clients exceptional customer service and availability. Our goal is to provide you with a smooth and friendly process as you purchase a new home or refinance your existing mortgage.
- Tonya Jenkins - “TJ”
Meet Tonya Jenkins

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Get Started Today

We are excited to help you in your home loan or refinance journey. Feel free to call or email us or fill out our contact form by clicking on the button below. We look forward to connecting with you!
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At Home Team Lending, we’re here to make your home buying or refinancing journey simple, stress-free, and tailored to you.
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© 2025 Lower, LLC is a subsidiary of Lower Holding Company. NMLS #1124061 8621 Robert Fulton Drive, Suite 150, Columbia, Maryland 21046 | nmlsconsumeraccess.org | equal housing lender. Licensed in 45 states including the District of Columbia | Arizona Mortgage Banker License--1000936 | Massachusetts Mortgage Broker License -- MC1124061 |  Massachusetts Mortgage Lender License --  MC1124061 | Lower, LLC conducts business in Kentucky, and Washington as Lower.com, LLC; Montana as Lowerdotcom,LLC; Oklahoma as “Lower Mortgage, LLC.

Lower, LLC is a family of companies. Lower® and its DBAs (AMSW Lending, Alderus Mortgage, AMSW Lending, Community Lending, Fairfax Mortgage, First Trust Mortgage Company, First World Home Loans, Hamilton Home Mortgage, Heckman Mortgage, Homeside Financial, Home Team Lending, Key Mortgage Group, McCaughan Home Lending, Oxford Home Lending, lower.com, PowerTPO, Sky Mortgage Group, True Lending, Universal Lending Home Loans, Yes Mortgage) provide home loans; Lower Realty, LLC provides real estate services; Lower Insurance, LLC facilitates shopping experience for homeowner’s Insurance policies.

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