@your.mortgage.mom46.4K followers on TikTok
Your Mortgage Mom · NMLS #1568471
Home loans explained like a friend would.
Dakotah Kutz closes loans on time with a great experience, no exceptions. First-time buyers, veterans, business owners and investors across Colorado and beyond get a real number, a plain answer and a lender who texts back.
Find Dakotah
Start my applicationWhich loan fits you? Six taps.
Every family's picture is different. Answer six quick questions and Loan Match lines up the programs Dakotah would look at first for you. No email, no credit check, just a head start for your first call.
- Covers FHA, VA, USDA, conventional, jumbo, bank statement and down payment help
- Each match links to a plain English guide
- Send your result to Dakotah and she will check the real numbers
Tap your answers and your best fit loans show up here.
A program for where you are right now.
Dakotah does not just find a loan that works. She looks at your whole financial picture and matches you with the one that makes sense for where you are and where you are headed.
First-Time Homebuyers
Your first home, explained one plain step at a time.
FHA Loans
Low down payment and flexible credit, backed by the FHA.
VA Loans
Zero down options for veterans, service members and families.
USDA Loans
Zero down home loans for eligible rural and small town areas.
Conventional Loans
Flexible loans with as little as 3% down for qualified buyers.
Down Payment Assistance
Grants and programs that help cover the cash to buy.
A mom, a closer, and the person who texts back.
Dakotah has built her name in the mortgage business on one thing: getting loans closed on time with a great experience. Her clients call her fast, clear and the kind of problem solver who finds a way when things get complicated.
She has a real passion for first-time buyers and investors. Outside of work her world is her husband and their two boys. You will find her collecting eggs from the backyard coop, hosting a backyard hangout, or at a country concert.
Her superpower, in her words, is lifting other people up. That is why thousands of people follow her mortgage tips on TikTok as Your Mortgage Mom.
Read her storyMortgage tips, straight talk.
Millions of views on the stuff lenders don't usually say out loud. Tap a video to play it here.
From “can I?” to keys.
Talk it through
A quick call or text about your goals, your budget and your timeline.
Get your real number
A pre-approval you can shop with, and a monthly payment you are comfortable with.
Make your offer
Dakotah works with your agent so your offer is strong and your financing is ready.
Close on time
Updates at every step, and a closing date that holds.
What clients say.
“She broke down all of the info in a way we could understand.”
Past client“Extremely knowledgeable about her field and the process.”
Past client“Quick to respond to questions at all times of the day, every day of the week.”
Past clientNorthern Colorado roots, licensed in seven states.
Based in Broomfield and Greeley, Dakotah helps buyers across Colorado plus California, Florida, Texas, Wyoming, Oklahoma and Nebraska.
Greeley
Greeley is home base. Dakotah started her career here, helped found the Young Professionals of Greeley with…
Broomfield
Her branch sits in Broomfield, right between Denver and Boulder. Buyers here often weigh price, commute and…
Fort Collins
Fort Collins buyers range from CSU families and first-time buyers to move-up buyers who want more room.…
Loveland
Loveland mixes in-town neighborhoods with acreage on the edges. That range means some buyers look at USDA…
Windsor
Windsor sits across two counties and has grown fast, with a lot of newer homes. Dakotah helps buyers with…
Longmont
Longmont buyers often want Boulder County life at a different price point. Dakotah runs side by side payments…
Denver Metro
From condos downtown to homes in the suburbs, Denver buyers have a lot of choices. Dakotah works the whole…
Boulder
Boulder prices put many buyers near or above the conforming limit. Dakotah helps them understand jumbo…
Get a real number, not a guess.
Tell us a little about what you are looking for and the team follows up with a real answer. No spam, no obligation.
- Text back from a real person
- Questions welcome, even the ones you think are silly
- Or call Dakotah now at (970) 584-0003