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Now's the time to buy

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APPLY NOW

YOUR

FOREVER

HOME

Now's the time to buy

Profile picture of Shay Jenkins and Sarah Alberts
construction backgroundGET STARTED
PREQUALIFY
TODAY!

Why wait?

SS Mortgage Team Logo
abstract background pictureREAD NOW
S&S MORTGAGE
TEAM BLOG

Keep up with the market

Skateboarding in a halfpipe

FIRST-TIME HOMEBUYERS

Buying a home is a truly rewarding experience! But it’s also the biggest investment most people make. From finding your new place to getting the keys – we’re here to help! There are several programs and benefits that could include low down payment options, down payment assistance, state grants and more. You may even qualify for first-time homebuyer benefits even if you’ve owned a home before.

REFINANCING

We offer the right home refinancing options for you. Home refinancers have two main options: a rate-and-term refinance or a cash-out refinance. A rate-and-term refinance can help you lower your monthly payment, pay off your loan sooner, or drop your monthly mortgage insurance. A cash-out refinance taps into the equity you’ve already built into your home to pay off debt, invest, or renovate.

LOAN PRODUCTS

As a full-service mortgage lender, we offer all the following and more: FHA loans, conventional loans, VA Loans, down payment assistance, rural housing loans, jumbo loans, ARMS, 80/10/10 loans, Buyer Accepted Program (all cash buyer program), no income, no doc loan program, Hero loan program, Medical Professional program, and rate buy-down option loans.

Sarah and Shay standing

Meet the S&S Mortgage Team

S&S Mortgage Team is a full-service mortgage lender that provides financing for homeowners and home buyers throughout the country. We are now licensed in 32 states, so we can serve the greater majority of the United States.

The leaders of the team, Sarah and Shay, met in college in 2008 and instantly clicked. They both have been in the mortgage industry for several years and decided to join forces in 2021 to start the power group behind S&S Mortgage Team.

The S&S Mortgage Team is dedicated to our client’s success. It is this driving mission that keeps our team constantly learning and pushing beyond our boundaries. We make a commitment to each borrower, fulfilling it with hard work, constant communication, and creative problem solving.

Thank you to all of our loyal S&S Mortgage Team Clients!

We had a bad experience with a previous lender, and Shay was a night-and-day difference. She was kind, courteous, professional, and above all, lightning fast at everything! Any time we had a challenge with our loan process, she already had thought of multiple ways to get us the best possible situation. She truly felt like she personally cared about us and our dream home. And she made it happen! We won’t go to anyone else, ever. We recommend her in the strongest possible terms–you will not be disappointed. Shay and her team work the hardest of anyone in the industry!

Sarah is the absolute best! She was lightning fast getting me initial information and keeping me up to date every step of the way. The whole team was exceptional to work with — highly recommend!

Working with Shay and her team made what is usually a stressful process completely trouble-free and painless. Being a busy professional, I appreciate responsiveness and follow through. In the same amount of time I waited for other lenders to get back to me on my request to re-finance, Shay had my loan processed and closed. I highly recommend Shay and will use her in the future if the opportunity presents.

Sarah and her staff go above and beyond to make purchasing a house as easy as possible. Always on top of everything and always finds a way to get the best deal possible for her clients. Plus, she is very personable and easy to communicate with.

“Shay was great to work with! She and the whole New American Funding team were super knowledgeable and quick to respond. They made the refinancing process easy!”

Communication was wonderful. Sarah was at the signing and helped relieve stress! She has a can-do attitude and gets the job done!

First, let me start by saying Shay’s professionalism and patience is bar none.  This is my third time going through financing for a home and she was great about clarifying and helping me understand languages and differences.  She also pointed out tips that were unknown to me and ended up having a huge impact on my loan and saving me a substantial amount of money on my monthly mortgage payment.  Looking forward to working with Shay again on future purchases and refinances.

Sarah was always very helpful and punctual with us! Excellent customer service! Would definitely refer to a friend!

My wife and I were considering re-owning a home after years of renting. We were hesitant due to past financial issues. Shay was extremely knowledgeable, very professional and very comforting through the entire process. I know she was just as excited as we were to get my wife and I into a home of our own and held our hands the entire way through. We have and will continue to recommended here to family and friends.

Thank you Shay!

My wife and I recently purchased a new home and got our financing through Shay Jenkins at New American Funding. We were fortunate to work with Shay, who made the whole process easy, fast, and worry free. She was very helpful and knowledgeable, and kept us informed of everything that was happening. Most important, you could tell she really cared about our best interest and made sure we understood all aspects of our loan. I would highly recommend her to anyone who wants a smooth and knowledgeable home buying process.

Sarah was super communicative at every step and helped us get in our new home in a way that was easy to understand.

Shay and her team are some of the best in the loan game out here in Colorado. Not only is she super responsive, she’s very knowledgeable about her products. As a realtor we need quick answers and creative ways to make the deal happen. So if you need someone to get your client to the finish line, she’s the one!

Shay was very kind and clear about what I needed to do during this process, and I’m very thankful I got to work with them. I’ll hopefully be able to again for another future home purchase.

Shay was great to work with throughout the whole process. She kept us informed and presented multiple scenarios for us to choose the correct loan for our needs. I will definitely refer her to friends and family.

Thank you to all of our loyal S&S Mortgage Team Clients!

We had a bad experience with a previous lender, and Shay was a night-and-day difference. She was kind, courteous, professional, and above all, lightning fast at everything! Any time we had a challenge with our loan process, she already had thought of multiple ways to get us the best possible situation. She truly felt like she personally cared about us and our dream home. And she made it happen! We won’t go to anyone else, ever. We recommend her in the strongest possible terms–you will not be disappointed. Shay and her team work the hardest of anyone in the industry!

Sarah is the absolute best! She was lightning fast getting me initial information and keeping me up to date every step of the way. The whole team was exceptional to work with — highly recommend!

Working with Shay and her team made what is usually a stressful process completely trouble-free and painless. Being a busy professional, I appreciate responsiveness and follow through. In the same amount of time I waited for other lenders to get back to me on my request to re-finance, Shay had my loan processed and closed. I highly recommend Shay and will use her in the future if the opportunity presents.

Sarah and her staff go above and beyond to make purchasing a house as easy as possible. Always on top of everything and always finds a way to get the best deal possible for her clients. Plus, she is very personable and easy to communicate with.

“Shay was great to work with! She and the whole New American Funding team were super knowledgeable and quick to respond. They made the refinancing process easy!”

Communication was wonderful. Sarah was at the signing and helped relieve stress! She has a can-do attitude and gets the job done!

First, let me start by saying Shay’s professionalism and patience is bar none.  This is my third time going through financing for a home and she was great about clarifying and helping me understand languages and differences.  She also pointed out tips that were unknown to me and ended up having a huge impact on my loan and saving me a substantial amount of money on my monthly mortgage payment.  Looking forward to working with Shay again on future purchases and refinances.

Sarah was always very helpful and punctual with us! Excellent customer service! Would definitely refer to a friend!

My wife and I were considering re-owning a home after years of renting. We were hesitant due to past financial issues. Shay was extremely knowledgeable, very professional and very comforting through the entire process. I know she was just as excited as we were to get my wife and I into a home of our own and held our hands the entire way through. We have and will continue to recommended here to family and friends.

Thank you Shay!

My wife and I recently purchased a new home and got our financing through Shay Jenkins at New American Funding. We were fortunate to work with Shay, who made the whole process easy, fast, and worry free. She was very helpful and knowledgeable, and kept us informed of everything that was happening. Most important, you could tell she really cared about our best interest and made sure we understood all aspects of our loan. I would highly recommend her to anyone who wants a smooth and knowledgeable home buying process.

Sarah was super communicative at every step and helped us get in our new home in a way that was easy to understand.

Shay and her team are some of the best in the loan game out here in Colorado. Not only is she super responsive, she’s very knowledgeable about her products. As a realtor we need quick answers and creative ways to make the deal happen. So if you need someone to get your client to the finish line, she’s the one!

Shay was very kind and clear about what I needed to do during this process, and I’m very thankful I got to work with them. I’ll hopefully be able to again for another future home purchase.

Shay was great to work with throughout the whole process. She kept us informed and presented multiple scenarios for us to choose the correct loan for our needs. I will definitely refer her to friends and family.

Meet the S&S Mortgage Team

S&S Mortgage Team is a full-service mortgage lender that provides financing for homeowners and home buyers throughout the country. We are now licensed in 32 states, so we can serve the greater majority of the United States.

The leaders of the team, Sarah and Shay, met in college in 2008 and instantly clicked. They both have been in the mortgage industry for several years and decided to join forces in 2021 to start the power group behind S&S Mortgage Team.

The S&S Mortgage Team is dedicated to our client’s success. It is this driving mission that keeps our team constantly learning and pushing beyond our boundaries. We make a commitment to each borrower, fulfilling it with hard work, constant communication, and creative problem solving.

Shay Jenkins

Sr. Loan ConsultantEqual Opportunity Housing Logo
NMLS# 1514100 | LMB# 100504797 | Shay.Jenkins@Nafinc.com | 303-507-6794

I have been a loan officer for over six years and am passionate about helping my clients obtain the home of their dreams! I love meeting new people and am always seeking to build long-term relationships with my clients. Coming from a decade-long background of sales and customer service, I pride myself on my excellent communication skills which I consistently use to keep my clients thoroughly informed on the status of their loans. I always have my clients’ best interests at heart – whether they be a first-time homebuyer or a purchaser of investment properties. Most important, I like to make the home buying and refinancing process as stress free and fun as possible. I am licensed in 32 states so that I may provide my clients with the freedom to find exactly what they’re looking for across the United States.

As a Colorado native, I enjoy the countless opportunities that our beautiful state has to offer, especially spending quality time in the mountains and with my dog Celayia. When I can get out of Colorado, you can find me digging my toes in the sand at the ocean’s shore.

Sarah Alberts

Sr. Loan ConsultantEqual Opportunity Housing Logo
NMLS# 1032969 | LMB# 100504797 | Sarah.Alberts@Nafinc.com | 720-366-9200

As an experienced mortgage professional for over 10 years, I understand the importance of providing the information you need to make confident decisions about financing your home. Whether you are purchasing a new home, refinancing your current home, or investing in residential property; my goal is to provide you with the best possible home loan experience. I understand that every situation is unique so I will work with you as you choose the options that will help you meet your home financing goals.

Throughout my career, I have helped many people achieve their dreams of homeownership and will use that experience to help guide you throughout the mortgage process. I am committed to excellent customer service and will work with members of my team to ensure that you are kept well informed and your questions are answered promptly. I have helped first-time and experienced homebuyers with conventional loans, jumbo financing, FHA Loans, condos, and various down payment assistance programs. I look forward to working with you on all your home loan needs!

Marj Bonner

Licensed Loan Assistant | NMLS# 1701942 | LMB# 100504797 Equal Opportunity Housing Logo

I have been in the mortgage industry for over 3 years and it is my goal to make the financing process as easy and seamless as possible. I love seeing the smiles on every new homeowner’s face as soon as the keys are handed over at the closing table. My ultimate goal is to create long lasting relationships with all of our clients and referral partners and to always ensure an outstanding customer experience.

I am a native of Washington, DC and a Wisconsin Badger super fan for life! I moved to Colorado in 2007 and will never leave. If I’m not in office crunching numbers, I love spending time in the Colorado great outdoors with my family, playing pickleball, baking, skiing, hiking and doing yoga.

Dayshia Martinez

Licensed Loan Assistant | NMLS# 2216222 | LMB# 100504797 Equal Opportunity Housing Logo

Although I have only been in the mortgage industry for a little over 2 years, I have been surrounded by the real estate business my entire upbringing as multiple generations of my family have been involved. My mother has been a realtor since she was 18 years old, and growing up, I watched her build a successful business founded on passion, work ethic and genuine love for her clients. It has inspired me to explore the lending side of real estate. As I began to work my way into this industry, I quickly developed a devotion to assist borrowers on reaching their homeownership goals and create long-lasting relationships. I bring a sharp attention to detail to understand each client’s needs so I can help obtain the very best for their purchases and refinances.

I am a native Colorado girl who enjoys spending time in mother nature, whether that be on the slopes or hiking trails. You can always find me active, enjoying all the beautiful things Colorado offers. When I’m not outside getting my hands dirty, you can find me at home with my family. Nothing is better than spending quality time with the people you love most!

See what you can prequalify for today!

Let’s talk! Contact S&S Mortgage Team today to find out how which of our loan options would work best for your situation. Prequalify for a New American Funding loan to start your home search today!

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Factors That Lenders Consider

CREDIT HISTORY

On-time payments, credit history length, and total available credit all contribute.

FINANCIAL HISTORY

Bankruptcies, foreclosures, and income variations can effect the type and amount of available loans.

DEBT-TO-INCOME RATIO

The ratio of your monthly income and your monthly debt obligations.

DOWN PAYMENT

The size of the down payment can influence the type or loan or interest rate available to you.

Want to get ahead of the game?


Find more great mortgage lending tips like this. Get our “Homebuyer’s Guide” to learn more about the lending process and what you can do to get a head start.

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NAF Homebuyers Guide

Keep up with S&S Mortgage

We know the mortgage process can be overwhelming. That’s why we stay on top of the latest trends in home mortgage lending — so you don’t have to! Check back here often for articles, tips, videos, and more!