Jay Fertman (NMLS #262858) has been a licensed Mortgage Loan Originator in Colorado since 2007, helping thousands of homeowners and investors secure financing tailored to their goals. Over the years, he has personally originated more than 1,200 mortgage loans totaling over $400 million in volume, specializing in Conventional purchase and refinance loans, rental and investment property financing, and select jumbo, second-home, and reverse-mortgage programs.
As co-owners of Direct Lending, Jay and his longtime business partner Mario Dominique (NMLS #293805) personally handle every loan from start to finish — no assistants, no hand-offs, no surprises. Jay manages origination, while Mario oversees processing with the same precision and urgency. Together, they’ve built a reputation for fast closings, clear communication, and consistently delivering lower rates than large retail lenders.
Jay’s knowledge of mortgage underwriting, loan structure, and Colorado’s housing market allows him to navigate complex scenarios efficiently — from helping first-time buyers compete in a tight market to guiding investors through rental property acquisitions and homeowners through rate-reduction or cash-out refinances.
Clients describe Jay as honest, responsive, and relentlessly proactive — someone who tells it like it is, keeps every promise, and treats every loan as if it were his own.
“Jay not only got us the best rate — he made the process simple, fast, and completely stress-free. He was always available, answered every question, and closed ahead of schedule. I’d never use anyone else.” — Verified Client Review
For personalized mortgage guidance, contact Jay directly at 720-951-7901 or jay@yourloanpros.com.