FCFS are simply the best there is out there. Don't hesitate , and just go to them. I went to them after a recommendation from a friend when I was purchasing my first home and I could just sit back and relax knowing they had all the bases covered. I went back to them on my refinance because why wouldn't I and again, best service, attention to detail, professionalism, and once again I felt completely taken care of . They are truly the best there is out there, I highly recommend them, special shout out to Michael and Chris! read more

This is a review for Amy Daniel a Loan Processor for FCFS. I am an Insurance Broker with Square State Insurance here in Denver and usually, the interactions between Loan Processors and Insurance Brokers is a very standard exchange. Amy went above and beyond to help explain Insurable Value (Replacement Cost) vs Market Value (Sales Price) to the insured. Amy also was very efficient and answered follow up questions very quickly. In 10 years as an Insurance Broker, I have never felt the need to leave a Loan Processor a review, but I was truly impressed. read more

My wife and I have worked with Chris Starks twice now for two separate loans and we have had an incredible experience on both occasions. Chris is very quick to respond, professional and transparent. With this being our first home, we are new to the mortgage world and we have felt comfortable asking him any question we have had in regards to the mortgage process. He gives thorough, well thought out responses and advice and he bent over backwards to make sure we had a positive experience. We would highly suggest using FCFS and Chris Starks for any loan and we know we will be in the future. Thank you guys!! read more

This is the second experience I have had with Michael at FCFS - 4 years ago I used them to get my mortgage set up and it was a simple (as much as is possible) pain-free process. Today I closed on my refinancing that Michael helped me with... and it could not have been easier. Start to finish has taken just over a month, which is great especially considering this all took place over Thanksgiving and closed a week before Christmas.. I live in Colorado Springs, and Michael was able to conduct the entire process over email. I didn't even have to drive to Denver for the closing! Add in the fact that he really has that personal touch, communicated everything clearly, and answers every question in a timely manner. If you are interested in buying a house, or want to look into refinancing, you need to contact Michael - he has saved me so much time and money and all right around the holidays when I need it the most! read more

Michael Delzer and his team at First Class Finical Services are absolutely wonderful and are the reason I own a home today! Michael is honest and told me what I needed to know up-front. He made recommendations with me in mind, and explained every step of the process. I was a first-time home buyer and a lot of processes and terms were foreign to me; Micheal explained everything in great detail and made me feel very comfortable about making such a large purchase. He was available for questions any time of day, any day of the week. He made sure to tell me when he would be out of town or unavailable so that I knew ahead of time. Thanks to Micheal and his team, my paperwork was completed ahead of time and I was able to close early. He went WAY above and beyond to ensure I got the lowest possible interest rate and I can't thank him enough. I will absolutely contact Michael and FCFS the next time I buy a house and will recommend him and his team to anyone! read more

My wife and I went with Chris Starks as our loan officer based off of the recommendation of some friends. We couldn't be happier. Chris made time to explain and walk us through the process. He kept us informed every step of the way what was required at that point of us. Always made himself available for questions (there weren't many after his detailed explanations and play-by-play). He even got us a much better rate on the loan than we had estimated ourselves. He worked in lockstep with our realtor to make buying our first home much easier than we had thought. Start to finish he was fantastic. Big shout out and thanks to him and I wouldn't hesitate to recommend him to anyone looking. read more

These guys are the BEST in the business! They have closed 3-4 loans for my clients and in fact 2 loans for me personally. I would recommend them to anyone!!! There attention to detail is over the top! read more

Mike and the team at First Class Financial Services take the fear and confusion out of the home buying process. We were first time home buyers and had many questions and were a little worried about qualifying for our home loan. Mike answered all of our questions and if we needed a very thorough answer, we got it. He helped us understand our payments and decide on a good price point for shopping. He was available at all kinds of odd hours to answer questions and get us things we needed for the numerous offers we wrote. (Buying a house is tough!) Our paperwork was finished right on time for our contract to close. They communicate with you very well and treat you well no matter your price point. We now have a wonderful house to call our own. Mike and the team at First Class Financial Services are the people you want on your team! Follow their instructions and they will get you into a new home! read more

Chris and Michael are GREAT!! Their communication is detailed and they assist you in fully understanding the mortgage process. They are experts in all aspects of the mortgage industry and helped me understand the process MUCH better than I ever had. I went into my closing very confident and sure of my buying decision. Their customer service before, during, and after was amazing!! I even got a turkey for Thanksgiving!! read more

Chris Starks and Michael Delzer at FCFS are amazing to work with. Chris had no problem chatting with me at length to answer all my questions, and gave an honest assessment of everything important to know when looking for mortgage loans. As a first-time home buyer, it was super helpful to have someone I could reach out to about the process. Chris provided me with knowledgeable, in-depth, and honest answers for any and all of my questions, and it put me at ease. They were very responsive to my emails at all hours of the day, and work quickly and diligently. I was really impressed by their turnaround time on my loan application. Mike seriously hustled for me, and put in evening hours to get everything squared away for me that night so I could make one of the largest financial decisions of my life by the following morning. The application process was surprisingly streamlined and simple on my end, and they got me a very competitive rate. In the midst of a high-stress situation, they were outstanding at making me feel more comfortable by being attentive and super responsive to my concerns: the team at First Class Financial Services will make you feel like you're their only client, and their number one priority. Highly recommended to anyone who's looking for a broker with integrity, excellent client relations, and fast response times. Working with them will save you time and money! I'm really happy I reached out to them, and would definitely use their services again. read more

I cannot recommend Mike Delzer nor First Class Financial Services after the experience my wife and I had. After seeing the positive reviews for FCFS on Yelp, we approached Mike to provide our financing for a home purchase in Denver. We obtained a pre-approval letter with Mike on the basis of our house selling in Texas, but he did not make an effort to put together a back-up plan if we were to close on our new purchase before our sale. Just before we were ready to submit our offer, Mike asked about our HELOC qualification status, a topic not yet even mentioned or discussed. Instead of offering any sort of help, Mike put us on the spot to scramble in getting approved for a HELOC (quite difficult to secure one on a home currently for sale). This is all happening as we find out the house we had an eye on just dropped their price, with three other potential buyers lurking. Time is of the essence. After getting approved for the HELOC, we are once again ready to submit an offer, but Mike asks when my wife will be starting her new job in Colorado. I tell him February, and he informs us we cannot close on the house until she begins with her new employer. Mike knew all along we were planning on closing in December, and that we would be moving to Colorado in January. How he failed to gather these critical pieces of information is beyond me. And, instead of making an effort to find ways around this requirement (and there are, as two other lenders explained), he followed up with accusatory and defensive emails. These incomplete communications, combined with having to provide the same information to Mike several times and reading his numerous spelling mistakes, led us to dropping FCFS. We were pre-approved and had all necessary financial terms in place within two days with our new lender. We're now under contract and relieved we got the home we wanted. Just a bizarre, unprofessional course of events. Cannot recommend. read more

Great rates and excellent customer service. Chris Starks is as good as they get. He is responsive and always takes time to explain the ins and outs of financing. Thank you! read more

Mike and his team were fantastic! Buying a home can be a seriously stressful experience, but they made it really easy. Would highly recommend their services. read more

Mike and Chris are great communicators and provide a level of personal service and guidance that you don't normally see in the mortgage business. I worked with Chris on mortages for multiple primary residences as well as for investment properties and felt that I had a partner in the process as opposed to a broker. I can't say enough for how much education and empowerment I received as part of working with them. One downside, you won't want to work with anyone else afterwards. My wife and I have since moved to Austin, TX and aren't able to work with FCFS anymore - and no one else measures up! :):):) read more

We worked with Mike to refinance our mortgage. Mike and his team were attentive, detailed, and always willing to answer our many, many questions. Just terrific all around. Sara read more

After searching for a mortgage broker and then interviewing Mike Delzer, we decided that he would be the best choice. We are very happy that we were able to work with Mike because he was extremely attentive, organized, and insightful. He helped advise us, when a typical mortgage originator would not have done so, and ended up with great mortgage terms. We highly recommend working with Mike and his team. read more

There is no way I can fully express my appreciation for everything Mike Delzer did for me during the home buying process. He is extremely thorough and explains things so fully and so clearly and then he asks for questions because he cares that you understand. I never felt like he was fed up with explaining things or talking to me on the weekends or holidays. Mike does not work the standard M-F, 9-5; he is available when you need him. He is super fast at getting back to emails or calls. I absolutely felt that Mike wanted what was best for me; I never felt that he saw dollar signs when he was dealing with me; I felt he sincerely cared. It took me about ten months to find a place and have my offer accepted and for everything to work out. Mike was there for me through the whole thing; he helped me keep perspective and a positive attitude. He very clearly knows what he's doing and tries to use his knowledge and expertise to make his customers' experience as easy and pleasant as possible. I could go on and on and on and tell you about the banker I met with before Mike, who withheld very important information, information that Mike was very upfront about. I could tell you that our first conversation was on a Friday after 6 p.m. Or that even after he's already made whatever money off me he's going to, he is still looking out for me. The bottom line is I will never use another mortgage broker and I will recommend Michael to everyone I meet, whether or not they're in the market!! Mike Delzer is so amazing that I wish there was a Mike Delzer in every field!! read more

How often do people tell you they loved working with their mortgage broker? When we asked around, almost everybody we know either actively disliked who they worked with or were completely meh about them. Not Michael. He's amazing--totally detailed, held our hands throughout the process, highly communicative about everything, kept us up-to-date and completely prepared for the next step and explained everything thoroughly. Plus, he's just a super nice guy to work with. So yes, we loved our mortgage broker and would recommend him to everyone. read more

Chris Starks is the friendliest mortgage officer I have ever worked with! I've closed two loans with him and both times he has been so organized and has always responded to my emails and text messages in the same day, usually within the hour! He is honest and trustworthy and very knowledgeable about the process. I recommend Chris to everyone! read more

Michael is amazing to work with and will take great care of you. Incredible technology to make this process fast, smooth, and seamless.

My husband and I were searching for mortgage brokers for our first time home buying experience, and were debating between Mike and another broker we found on Yelp. When I called the other broker, he barely gave us any insight about the process, and offered to give me an "estimate" having barely collected any details about us... This may seem convenient to some people, but to us it was a red flag he didn't want to meet us first and receive details... When I called Mike, he indulged us as random callers that found him in the internet, listened to our scenario, and told us up front he was going to be asking for lots of items and details in the beginning to make the whole process smooth if we decided to go his way. Bingo, I was looking for a detailed oriented, knowledgeable, demanding, OCD and responsive broker I could trust, not a "buddy." Mike was just that, though friendly, he got down to business, communicated all the time, expressed urgency in documents we needed to provide and was always on top of it. He paid so much attention to us, we wondered how he was dealing with all of his other clients. Our realtor who has been in the business for 17 years, also said he was one of the best she had ever worked with. read more