Scott Young
Scott Young / Senior Mortgage Planner
CO # LMB100008456    NMLS #294755
Phone: 303.823.0567
Cell: 303.517.1730
Fax: 720.746.2844

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Scott Young was born and raised in Nashville, Tennessee, and he has lived in Colorado since 1991. He graduated from the University of Tennessee with a Bachelor of Science in Geology. After working in the precious metals and environmental fields in the United States and Europe, he moved to Colorado in 1991. He is an avid kayaker with almost 40 years of experience. He has completed numerous first river descents in the U.S., Europe and Asia, and he was part of a 1996 expedition to the NuJiang (Salween)River in China that led to the establishment of the Three Rivers National Park, the first in China. He has been featured in numerous kayaking films, books and magazine articles over the years. His other interests are mountain biking, surfing, climbing, writing, languages, and traveling with his wife and son.

Since entering the mortgage banking field in 1996, Scott has helped a wide variety of clients with their mortgage planning, from first time homebuyers to investors. He has closed thousands of purchase, refinance and construction loans. His love of people and desire to find solutions to each clients' unique financing needs have earned him a reputation as a caring and creative lender who will go the extra mile to find the best programs for, and give expert advice to, his clients. His love of the outdoors and his range of professional and personal experience give him an empathy that puts his clients at ease. Many of his professional interactions with clients have led to lasting friendships. According to Scott, "The mortgage process is the reason my clients and I come together. However, at the end of the day, the people, the friendships, and the knowledge that I am helping my clients make intelligent mortgage decisions as part of a healthy overall financial plan are the most gratifying aspects of my job."



Testimonials

Great Results, Personable, Expert
“Scott, Is the best example of providing an excellent and timely product with no stress to the client. Financing and Refinancing with other brokers has either ended with mediocre results or significant stress. Scott took as much time as I needed, explained in as much detailed as I wanted, and performed extra research in order to get me the BEST deal. There was no stress and the results have been spectacular.”

-- Matt Booth, DVM, Principal
Alpenglow Veterinary Specialty + Emergency Center
Lyons, CO.

Personable, Expert, High Integrity
“We chose Scott to handle the mortgage when buying a home and for a refinance. He goes the extra mile to make things work for us. If I don't understand something about the mortgage, he'll take the time to explain it, and patiently do so more than once if necessary. He's a professional through and through.”

-- Brian Schwartz and Elizabeth McIntosh
Boulder, CO.

 

"Over the years, we have worked with Scott Young on multiple projects, including a short sale. Scott has always demonstrated a professionalism and flexibility that goes above and beyond. He works very hard to meet the needs of his clients and is extremely knowledgeable conerning the market. He makes every effort and succeeds at putting together the best package possible for his clients. We recommend Scott highly as an experienced, highly competent broker. We would utilize his services again in a heartbeat!"

-- Laura and Mike Richardson, President and V.P.
24-7 Restoration Services,
Lyons, CO.

 

"Scott Young was referred to me by a mutual acquaintance when I was looking to refinance my mortgage. I knew I wanted to work with someone local and Scott was highly recommended. We had an initial meeting to discuss my situation and what I was looking for in a new mortgage, and I found Scott knowledgeable, friendly and customer service oriented. After our initial meeting, I decided to work with Scott and what impressed me most was his attentiveness to my needs. He was quick to return a phone call or email, and was able to make the refinancing process as painless and easy as possible. Not to mention, he got me into a great fixed mortgage that met my needs. I’d highly recommend Scott to anyone seeking a mortgage, and have already referred him to a number of friends and acquaintances."

-- Ben Lawhon, Education Director
Leave No Trace Center for Outdoor Ethics
Boulder, CO.


Loan Programs

To help you find the right type of home loan to meet your specific needs, RPM Mortgage offers multiple mortgage programs. This variety of residential mortgage lending solutions puts you in control of your future and enables our knowledgeable, trusted staff to help create a personalized mortgage solution to make your real estate goals a reality.

Our loan programs include, but not limited to: Jumbo loans to $3 million, Agency Conforming, Agency High Balance, FHA Conforming, FHA High Balance, FHA Energy Efficient Mortgages (EEM), VA, VA Interest Rate Reduction Refinancing Loan (IRRL), USDA, Lender Paid Mortgage Insurance (MI) Option, Split, Single and Financed Mortgage Insurance (MI), Concurrent 1st and 2nd, Max Financed Properties (up to 10), Delayed Financing, Fannie Direct Lender, Fannie Mae Service Retained, Freddie Mac Investor Options, DU Refi Plus, HomePath, FHA Flips

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Home Purchase

Real estate moves fast. To secure the home of your dreams, you need customized home mortgage options and community-centered service. RPM Mortgage has a reputation of trust and results as well as supporting technology and tools to ensure your transaction is as streamlined as possible.
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Refinance

Finding the right lender for your refinance is an important decision. RPM Mortgage's wide range of products are all handled by our knowledgeable in-house mortgage lending staff. Thanks to the RPM lending platform and proximity to our top-tier staff, we deliver faster deals, more customized lending options and reliable service to you right here in the community we both know and love.

Whether you're looking for security, strength or a sterling reputation, RPM is your powerful ally in today's confusing home mortgage refinancing market.

  • Expert community-based service
  • Exclusive in-house mortgage banking service
  • Established position and hard-won reputation for integrity
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Calculators

  • Mortgage Calculators

    Mortgage Loan
    Use this calculator to determine your monthly payment and amortization schedule.
    Mortgage Points Calculator
    Should you buy points? Use this calculator to find out.
    15 vs 30 Year Mortgage
    Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
    Adjustable Rate Mortgages
    This calculator helps you to determine what your adjustable mortgage payments will be.
    Mortgage APR
    Use this calculator to find the APR on your mortgage.
    Mortgage Tax Savings
    Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.
    Balloon Mortgages
    A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
    ARM vs Fixed Rate
    Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
    Interest Only Mortgage
    Use this calculator to generate an amortization schedule for an interest only mortgage.
    Option ARM vs. Fixed Rate Mortgage
    Use this calculator to find out how much money you could save with an Option ARM loan.
  • Budget Calculators

    Rent vs. Buy
    Are you better off buying your home, or should you continue to rent?
    Mortgage Qualifier
    Can you buy your dream home? Find out just how much you can afford!
    Required Income
    Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
    Maximum Mortgage
    Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
    Mortgage Payoff
    Save thousands of dollars in interest by increasing your monthly mortgage payment.
    Bi-weekly Payment Calculator
    Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
  • Refinance Calculators

    Refinance Interest Savings
    Use this calculator to see how much interest you can save by refinancing your mortgage!
    Refinance Breakeven
    Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Find A Home

RPM Mortgage wants you to have access to the most updated listings in the area of your choice. Through a trusted partnership with Homes.com we have brought these updated listings to you. Happy house hunting!



Referral Partners

You've worked hard to earn your credibility, success and community roots. You stake your reputation on every referral you make. As an RPM Mortgage referral partner, you will discover new opportunities to provide your customers with a more personalized option in residential mortgage lending. They will see faster, smoother and more effective transactions. Your reputation and business thrive on connections, referrals, and partnerships. Join RPM's network today and grow that reputation and business into a well-known, credible source.

RPM Mortgage has grown its reputation by attracting and rewarding the best talent in the communities we serve. RPM has built upon the pillars of trust, knowledge, and community, bringing these principles to our colleagues and customers through a tradition of "can do, will do" service. It is this that makes us the independently owned and operated mortgage lending operation and broker of choice throughout the markets we serve. Our established position and hard-won reputation for integrity combined with ingenuity have made us the real estate finance partner known for supportive, collaborative partnerships.

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