About Michael Gifford
I currently work at Envoy Mortgage as a Sales Manager/Senior Loan Officer here in Denver, Colorado.
Mortgage Lending has been my passion and privilege for 32 years in the Front Range and Greater Denver Area.
Helping families purchase and refinance homes and to regularly review their mortgage financing options as part of their overall financial plan builds a client for life. I am proud of the work I have done and the friendships that have formed as a result of the thousands of clients I have served.
My goal is to build a network of Real Estate and Service Professionals for the benefit of my clients.
My international living experience has been invaluable in understanding the needs of clients from foreign cultures.
My love of people has helped me develop friends and clients from unique and varied backgrounds.
Mortgage loan analysis and consultant for Residential Loan clients from 1983 to present.
New Home Mortgage Manager of Ryland Homes in Denver, Colorado, 1986 and 1988
Major projects have included Parkwood East in Fort Collins, Colorado and Stroh Ranch in Parker, Colorado, and multiple Denver Metro new home communities for Ryland Mortgage.
I have been in the housing and finance industry since 1974, working as material supplier, contractor, Realtor, and now a Mortgage Loan Professional.
I enjoy using my experience in new construction and remodeling in working with buyers and their mortgage finance needs.
Specialties: Mortgage Loan Officer/Loan Originator
New Construction financing
Reverse Mortgage loans
FHA and VA loans
Conventional conforming and Non-conforming loans
First time home buyers
FHA 203k Full and Streamlined
HomeStyle and HomePath Renovation Loans
Colorado Housing Finance Authority Certified (CHFA)
Denver MMA Grant Program Certified
Envoy NMLS #6666. Michael Gifford’s NMLS #261987 and CO LMB #100018795. For more compliance information: bit.ly/1FV2UOg
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