Jay Fertman (NMLS #262858) has been a licensed Mortgage Loan Originator in Colorado since 2007, helping homeowners and real estate investors secure financing tailored to their needs. He has personally originated more than 1,200 mortgage loans totaling over $400 million, specializing in conventional purchase and refinance loans, rental and investment property financing, and select jumbo, second-home, and reverse mortgage programs.
Jay and his longtime business partner, Mario Dominique (NMLS #287943), are co-owners of Direct Lending and personally manage every loan from start to finish. Jay handles loan origination, while Mario oversees processing. Their hands-on approach means clients work directly with the people responsible for their loans, with clear communication, prompt responses, and personal attention throughout the process.
Jay's 43 years of real estate experience, combined with his knowledge of mortgage underwriting and loan structuring, allow him to navigate complex financing scenarios — from helping first-time buyers purchase their homes to assisting investors with rental properties and homeowners with refinancing.
Clients consistently praise Jay and Mario for their responsiveness, competitive mortgage rates, straightforward communication, and willingness to go the extra mile.
What Our Customers Say
"Direct Lending and Jay Fertman, in particular, get my highest recommendation. Jay was very responsive and always picked up their phone promptly; he was a pleasure to work with and answered every question they had. I shopped around quite a bit, and honestly, Jay was able to provide me with the lowest rates, monthly payments, and closing costs out of everyone. The level of service he provided, along with the highly competitive rates and fees, make Jay and Direct Lending an incredible value."
— Eric Mayotte
For personalized mortgage guidance, contact Jay directly at 720-951-7901 or jay@yourloanpros.com.