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ALMC Mortgage
NOVA Home Loans

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Since 1995, ALMC Mortgage at Nova Home Loans has been quietly earning a reputation for honesty, ethical business conduct and hard work. Whether you are purchasing a home or refinancing, you can expect more from our professional team. ALMC @ Nova Home Loans is a residential mortgage lender. We are committed to serving the homebuyers and homeowners of Colorado with exceptional service and professionalism. We are your Expert Mortgage Advisors and

Mortgage Lender for all your home loan needs.
FHA VA Conventional Reverse Mortgages
Renovation Loans USDA

ALMC wants to earn your business by building strong and lasting relationships! We look forward to earning your business.BBBaccredited_business
Licensed Colorado Mortgage Loan Originator LMB100020432 NMLS # 266695 and NOVA Home Loans NMLS #3087



    Wonderful Experience!
By Michele and Barb

Barb and I would like to thank you for a wonderful refinancing experience. Every step of the process was seamless. Your Nova team members were always on top of everything and were very helpful guiding us through the required steps. We will make sure to recommend your services.

By Sherri Heck

Cheryl and Lindsey were extremely knowledgeable, thorough, prompt, professional, encouraging, genuine, etc., etc....Because of the unpredictable housing market, it took awhile to wait for the value of our home to rise enough for a refinance, but Cheryl and her team stuck it out with us and our situation ended up better than we could have ever hoped. Finding out we were approved felt like Christmas! We now have a solid loan with a low rate and have been able to get our financial situation under control. We are so excited and relieved. I have no hesitation recommending this team. We would use them again in a heartbeat!

    Ultimate Professionals...!
By James Thorpe

I have had the distinct pleasure of working with Cheryl and Lindsey twice during the past three years. You will not find a more knowledgeable and client centric group in the finance world. Cheryl and her team of professionals could revolutionize the lending business.

By Rob

This was the 1st time I have ever worked with NOVA and the 5th time I have bought or refinanced a mortgage, and this was by far the best experience of them all. I would recommend them in a heartbeat to anyone looking to refinance or buy a home. Even though my refinance wasn't huge (only $150k), they never made me feel like I wasn't their most important customer. Some other mortgage companies even turned me away when I told them the amount I was looking to refinance. I worked primarily with Dawn Billiot, and even though everything was easily done online, she, along with the rest of her team, were always there to answer any questions I had; and I had many of them. Buying or refinancing a home isn't something most people do too often. You might as well have a positive experience. If I ever have to do it again, it's nice to know NOVA is the only company I'll even consider.

    You Are My New Heroine!
By Eileen and Gary

I want to thank you and Jessica for doing such a great job with my refi! Don't know how you got it done with our issues, but really, really appreciate it! You are my new heroine! I could never thank either of you enough for all your work and dedication to our refi. I now understand how difficult it is to refi in this environment and am so grateful! Closing went smooth and actually fun getting to know Jessica. What an asset she is to your company!

By Michael

Fast, efficient, friendly. Very professional. Explained all my questions in easy to understand terms. One of the best experiences I have had.

    ALMC is simply the Best
By grantnmolly

My husband and I had done a refinance through another company before going through ALMC - and the difference was night and day. Our loan was quite a bit more complicated the second time around and Cheryl was quick, professional, and did everything right. It was the best and easiest loan we had ever had - completely confident in ALMC's ability to get the job hand-holding....she took the lead and did it ALL. We would never use anyone else ever again!!!! Pros:Quick, professional, reliable, capable, friendly and HONEST Cons:NONE

    Superior Service
By fburbank

My husband and I were referred to Cheryl at ALMC Mortgage and were very pleased with the service we recieved. Cheryl was very straight forward, honest and was able to answer all our questions. She was able to bring our interest rate down more than a whole percentage rate and at a fixed rate, now we are able to save more a month with our lower payment. I know from now on we will only be going to ALMC in the future and will refer our friends and family to do the same. Pros:Local, can meet face to face, straight forward answers

    Right On
By John W

Annie and I wish to say Thank ALMC Mortgage for all they have done for us in getting the mortgage we wanted. The rate was just what they said it would be and the time involved was "Right On." I would not hesitate to give Cheryl's information to anyone that I know wanting to either purchase or refinance a mortgage loan. Once again, Thank You!

    Thank you, Cheryl!
By Shannon & Sam

Cheryl, Thank you so much for making this process SO very easy for us! It was so quick and painless and we knew you were on our side every step of the way! THANKS!

    Excellent, friendly service
By karak

We were referred to Cheryl and the process was just as smooth as promised. Cheryl is easy-to-work with, efficient and very knowledgeable and she made refinancing a breeze. Plus, she got us a fantastic rate and is saving us big bucks every month! Pros:Great service, great rates, very easy to work with. Definitely would recommend without hesitation!

    Very High Expectations
By Jennifer Kaufman

We refinanced our mortgage with ALMC last spring and were very pleased. we had been in the mortgage business in the past and we had very high expectations and Cheryl fullfilled them all. She lowered are payments and our interest rate, while paying off our first and our 2nd-we are now in a better position long term. We appreciate her honesty and hard work. We would recommend Cheryl and ALMC.

    Highly Recommended
By jduneske

My wife and I researched several mortgage brokers throughout the Denver metro. Cheryl at ALMC was BY FAR the most friendly and knowledgeable. As first time home-buyers, she explained every step of the process in easy to understand terms. All of our phone calls and emails were returned promptly if Cheryl was away from her office. With multiple lending resources, she also locked us in at a great rate. I would recommend Cheryl at ALMC to anyone! Call her and you will see the difference! Pros:Friendly,knowledgeable,honest,easy to reach(phone/email) Cons:I wasted my time with other mortgage companies

    Closing went off without a hitch
By Debi

Cheryl, I just wanted to let you know that closing went off without a hitch. I want to express my heartfelt gratitude for hustling to meet my desired closing date. You and Jessica were very helpful and I appreciate all of your hard work. Thanks So Much

    Outstanding experience for first-time homebuyers
By Matty

We became acquainted with Cheryl through a co-worker of mine. We sat down over dinner about a year ago, and she lined out everything we needed to know and do to be successful in our first home buying experience. I appreciated that she didn't push us into something that we weren't ready for-rather, she told us what to do, we did it, and we came back about 10 months later with our checklist complete and ready to buy! She was very helpful from the very beginning and all the way through the process, explaining all of the ins and outs of the process in terms we easily understood. She really made the whole thing a lot easier than we ever expected it would be. We started the process without an agent-Cheryl recommended an agent that she works with regularly, and together, they made the homebuying process easy and (dare I say it) FUN! I would whole-heartedly recommend the team of Cheryl for the mortgage and Steve Matthews (The Morgan Group) as the agent to anyone, and I would most definitely do business with both of them again. Pros:Great to work with, friendly, helpful, felt like we were more than just another mortgage Cons:Absolutely none!

By leec52

Cheryl was incredible. We had a short time frame and had a few situations with the buyer of my house & the seller of the house I purchased. She worked through each situation with grace and always had my best interest in mind. I would recommend her without hesitation!

    A pleasure to do business with
By Lindy

Cheryl and Jessica were great at getting my loan done. Very professional and always looking out for their customer. Thank you Cheryl and Jessica for making this process so painless. Pros:Good people looking out for me that did their best to get me the money I needed to do what I had to do. Cons:Bad economy and tough to get enough money out of my home right now.

    Pleasure to work with
By kndsdad

Cheryl and Jessica provide outstanding service. From the very beginning, Cheryl made the process easy. Her explanations were straightforward and easy to understand. I always felt that I was getting the best rate and loan available. Pros:Very professional, courteous, friendly, fast, honest

    You really went above and beyond!
By Lenny & Barbara Keer

Thanks for your great service on our two recent refi’s. You made the process smooth and easy and we really appreciate you going the extra mile for our benefit. We look forward to working with you again when we have another mortgage need and will definitely be recommending you to your friends and family.

By Robert Belfer

Even though we did not qualify for a refi,Cheryl was extremely helpful in explaining it all.

    Thanks Cheryl
By D. and L. Hansen

My wife and I just helped buy our our son a new condo. We have worked with Cheryl in the past and she has been great. She offers honest advice and finds the best loan for each situation. Other real estate professionals respect her and know if Cheryl says the buyer is pre-qualified then the loan will close. ALMC is the best.

    This Company is Wonderful
By ConnieDnvr

I just refinanced my mortgage with Cheryl and Jessica. They are terrific: timely, reliable, friendly, helpful, fast and efficient. This was SOOO easy (they even came to my office for the closing). Thank you Cheryl and Jessica. I recommend them without hesitation.

    We appreciate you so very much.
By Matt and Alicia

Cheryl, Thank you so much for all you did for us to help us buy our first HOME! We appreciate you so very much and will refer you to everyone! You made our home buying experience seamless, stress free and even FUN! Thank you from the bottom of our toes!

    Easy process I've ever been a part of.
By Chris Rippe

Cheryl was great and gave me all the options I needed. Let me know it wasn't cost effective to do a refi but found me a great deal on a streamline.

    Simply the BEST!
By Davina

Cheryl & her team made the mortgage process as pain free as possible. They exemplify customer service at its finest. With all of the new lending requirements she takes her time to make sure you understand the loan options and the terms of each option. ALMC will get all of my mortgage business in the future.

    Great job
By Jill Doherty

Can't say enough good things about Cheryl and her team! She went above and beyond trying to help me with the loan process. Friendly, prompt, professional, hard working and explained everything in a way that was easy to understand. Even thought I was unable to complete the loan process thanks to the bank that has my 2nd, I highly recommend Cheryl and her team to anyone looking for a home loan. Thanks!

    You go the extra mile
By Jakki

Thank you for all of your help. I appreciate your time and efforts in working with the sellers and the buyers to make this transaction as smooth as possible. You definitely go the extra mile and are helpful, courteous and professional.

    New homeowner...satisfied!
By Pat H.

New homeowner...satisfied!! Pat H. from N/A Cheryl's new affiliate (NOVA Home Loans) apparently did everything right as we did not encounter any problems with them. They definitely hit an all-bases-loaded grand-slam HOME RUN when they hired CHERYL BRAUNSCHWEIGER as a broker. She is extremely competent, very knowledgeable, and - most importantly - much more concerned about her clients' long-term financial welfare than about any commission she might earn. Ours was not a traditional situation for a loan, but she was able to "pull it together", and in a way that would continue to be a good thing for us. She is a jewel!

    They Rock!
By Rebecca Smith

Rebecca Smith from N/A "I truly loved working with Cheryl and Lisa. They rock! They did my loan so fast, it was total girl power. ALMC you keep these girls happy and they will make you a lot of money and will refer these girls to all my friends and family. Thanks So Much.

    Trust and Respect
By Tricia Littlejohn

"Cheryl is someone that I can trust and respect. She always gives my clients and myself 110%. She knows what to do to get the job done!"

By Don & sarah Brown

"Cheryl was a true professional and she guided us every step of the way, from clarifying our goals to finalizing our 30 -15 year refi. Cheryl is able to take a complex process and break it into bite size pieces and keep things on track. We highly recommend her to anyone contemplating buying a home or refinancing their current mortgage."

    "Once again!
By Victor Rodriguez

"Once again, my wife and I had a flawless experience with Cheryl and the staff at ALMC Mortgage. Their knowledge and professionalism have been a pleasure to work with. We appreciate everything they have done for us and will definitely continue to refer people over.Thank you"

    Great help
By Maurice Newton

Cheryl did an awesome job with my refi!

    Best customer Service ever
By Neng Thao

Cheryl Braunschweiger is the best. Her knowledge of the mortgage business is off the charts, and her customer service skills are just as good. The whole process went smooth and was enjoyable. Cheryl replied to all my emails and calls. I would recommend ALMC mortgage to everyone. A++++++++.

    Best of the Best
By David Wood

Cheryl and her team are the best that i have ever worked with. My expectations were absoultely exceeded. They were very prompt, efficient and timely in completion of the entire process. Excellent communication. Thanks to Tom in finding the best to work with !! Completely satisfied and would not consider any other than ALMC for home home mortgages.

    Cheryl is more than excellent...
By Nwaeze & Ify O.

Cheryl Braunschweiger is SUPERB, and a great asset to NOVA. We are grateful to God who made it possible for us to contact Cheryl Braunschweiger at the most critical time when we were badly treated by another lender. (I will not refer even a dog to the other company). Cheryl is more than excellent. When she heard of our situation she was very sympathetic. She stepped in and handled our loan with competence, confident and assurance. We have already started telling all our friends and family who wish to buy homes in the future to go to her. Thank you Cheryl, May God continue to bless you!

    ALMC is the only Mortgage Broker to consider!
By Sanford & Elsa J.

When buying a home, working with ALMC Mortgage was the smartest financial decision we made. In 2008, we moved from another state to the high desert of Colorado for medical reasons. We could not, however, maintain payments on the home we left and we had to file bankruptcy. As a Veteran, there are strict rules to being able to get back into a home after a bankruptcy. I had contacted two other mortgage brokers who said they could not help me. It became very clear after working with ALMC that those other mortgage brokers didn’t know the business as well as Cheryl. Cheryl was honest and up front with the challenges we faced. I have to say, we never had to wait to find out what was going on and where we stood. As soon as she knew, we knew. For every mile stone or obstacle, she got us involved and moved us through it. She really made the whole process easy. Suffice it to say, I had to write a letter requesting a waiver to the VA guidelines so that we could get approved for a loan. Cheryl said we had a very small chance of getting our waiver approved and that the only situations that she has ever seen it happen is because of the death of the veteran or medical reasons. I am very pleased to say, our waiver was approved! As a bonus, I don’t know how she did it, but on the day of closing, we got our earnest money and the cost of the appraisal back. We didn’t ask for it and we didn’t expect it but it was very nice to be able to have the extra help moving into our new home. We are very pleased with the way Cheryl managed our mortgage loan process and we eagerly recommend her to everyone we know who is looking for a home. She is the best! Please save yourself from mortgage wolves and only work with ALMC for all of your mortgage needs.

    Thanks again!
By Lenny

This is the third time that Cheryl and her team have helped us through the mortgage process. Again, they provided good professional service and we were happy with the result. Highly recommended!!

By Jim and Nancy T.

Occasionally life brings us in contact with magical people - this describes the ALMC team, awesome!!!

    Thank You!
By Julie

Big thanks to Cheryl and the team at ALMC Mortgage for a great home refi experience!

    5 stars all around!
By Matthew F

Knowledgeable, excellent listening skills and problem solving, availability and communication. Helpful and willing to go the extra mile and supportive staff. Working with Team ALMC, every step of the process was easy and enjoyable. I will absolutely refer ALMC to others.

    Cheryl's the Best!
By Terry McElhaney

Cheryl has helped me with 3 refis and every one of them has been great. If there's a hitch, her and her staff immediately contact you and come up with solutions or work-arounds to get the process back on track. (Frankly, I trust Cheryl more than Tom Martino...)

By Kim G.

from N/A Great experience overall. The worst part was having to sign my long name dozens of times. Every other step was simple and the mails NOVA sent were informative and thorough. Decided to re-finance. She was professional and courteous. She treated me like I was already a customer and she out-shined the other companies I had called to get information from, including my then current mortgage team.

By ***

Cheryl was great. She knows her business. We would recommend her to others.

    Excellent Customer Service.
By Victor L.

Thank you Cheryl for a great transaction.

By Lynn L.

This is the best experience I've had with closing a loan. There was always someone available to answer my questions and I knew at all times what the status of my loan was. I didn't feel like a number. The personal touch was refreshing.

By Lane Lyon from Coldwell Banker Residential

Cheryl was amazing. Super communication and attended closing. I always love to have lender representation at the table! Big kudos to her and your company for processing the loan so quickly. We had an approved HUD in plenty of time. Such a smooth process - wish every transaction could go this way.

By Kristie N. from RE/MAX Alliance

Thank you so much for your email.... The whole process with Cheryl was fantastic! You can't ask for anything more than a loan officer who has the same level of customer service as you. Cheryl was on top of it....ensuring consistent communication thru the entire process. Thanks again for taking such amazing care of Brad and Jenny! Thanks so much!

By Denise M.G.

Cheryl conducts business in a friendly, but professional manner at all times. It really puts you at ease through the process. This was not my first home purchase, but it was certainly my easiest. I would recommend Cheryl and Nova Home Loans in a heartbeat!

By **

I have referred several folks to Cheryl.

By Lisa P.

Cheryl and Lindsey have been so wonderful to work with, I would recommend them to everyone!

    Fantastic team!!
By Jeff K.

When asked what areas they could improve in, I replied, NONE from my experience. I will refer Cheryl to my family and friends.

By Sherri Heck

Cheryl and Lindsey were extremely knowledgeable, thorough, prompt, professional, encouraging, genuine, etc., etc....Because of the unpredictable housing market, it took awhile to wait for the value of our home to rise enough for a refinance, but Cheryl and her team stuck it out with us and our situation ended up better than we could have ever hoped. Finding out we were approved felt like Christmas! We now have a solid loan with a low rate and have been able to get our financial situation under control. We are so excited and relieved. I have no hesitation recommending this team. We would use them again in a heartbeat! Star OnStar OnStar OnStar OnStar On Outstanding Craig Ward from Aurora, CO I have used Cheryl for my mortgage and many of my clients. She always exceeds all expectations!



Address:    11080 Circle Point Rd Suite 100
City:    Westminster
State:    CO
Zip:    80020
Phone:    (720) 279-5939 * 720-480-7792

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