Denver, Colorado · Licensed Mortgage Broker

Let’s Talk
First.

No forms. No pressure. Just answers.
Jocelyn Javernick

Let’s Talk
First.

No forms. No pressure. Just answers.

Most people just want to know what’s possible before they commit to anything. Schedule a 15 minute call with Jocelyn — she’ll give you a straight answer in minutes.

Need to talk now? Call or text Jocelyn directly — (917) 962-6351

20+
Years Experience
CO.
Colorado Licensed
Jocelyn Javernick, President & Licensed Mortgage Broker
Jocelyn Javernick President • Licensed Mortgage Broker • 20 Years Experience Most people want to talk before they commit to anything — and that’s exactly right. Call or text Jocelyn directly. She answers, she listens, and she'll give you a straight answer in minutes — no sales pitch, no pressure.
Conventional Loans FHA Financing VA Loans DSCR Investment Loans Buydown Strategies Faster. Cheaper. Easier. Colorado Licensed 20 Years of Expertise Conventional Loans FHA Financing VA Loans DSCR Investment Loans Buydown Strategies Faster. Cheaper. Easier. Colorado Licensed 20 Years of Expertise

Trusted By Agents & Clients Alike

Real words from real people — agents, buyers, and industry partners who've worked with Jocelyn and the Limetree team.

★★★★★
"Limetree Lending Group embodies many qualities that I seek out in a lender — professionalism, strong knowledge of loan products, excellent communication skills, care and diligence with clients, and the ability to close the transaction on time."
Courtney Nelson
Realtor® · Porchlight Real Estate
★★★★★
"We were working with another lender who would not return my calls after telling me our payments would be $500 more a month — less than two weeks before closing. Jocelyn saved us $650 per month and closed the loan on time."
John & Lindsay Krattenmaker
Past Clients
★★★★★
"Having now worked with the brilliant folks at Limetree on both our original mortgage and our refinance, we feel very confident recommending them. Professional, intelligent, fast, and honest. Truly the best!"
David J. Claypool
Past Client
★★★★★
"I want to thank you and your team for the exceptional service you have provided for our clients. You have a company of high integrity and outstanding business practice — knowledgeable in your financial products, creative in your approach, and always competitive in your fees."
Pam Kiker
Realtor® · Keller Williams DTC
★★★★★
"Jocelyn went above and beyond to lock a rate 50 basis points lower than my previous rate just days before closing — saving me about $100 a month on my mortgage payment. Truly above and beyond."
Brent P.
Past Client

Full-Spectrum Mortgage Services

From first-time buyers to seasoned investors, we bring strategy, speed, and deep market knowledge to every transaction.

🏡

Home Purchase Loans

Guiding buyers from pre-approval to closing with clarity. We match you with the right program — Conventional, FHA, or VA — and structure the deal to win in a competitive market.

Purchase Ready
📉

Rate Buydown Strategy

In a high-rate environment, buydowns are a powerful tool. We design seller-paid and lender-paid buydown structures that lower your effective rate and increase your buying power.

Rate Strategy
🔁

Refinance & Restructure

Whether you're chasing a better rate, pulling equity, or restructuring debt, we analyze the full picture and present options that actually move the needle for your financial future.

Equity Access
🏢

Investment & DSCR Loans

DSCR loans qualify based on rental income — not your personal income — opening doors for expanding your portfolio faster without the constraints of traditional lending.

Investor Focus
🪖

VA Home Loans

Proudly serving veterans and active military. VA loans offer zero down payment, no PMI, and competitive rates. We know the program inside and out to make your process seamless.

Veteran Benefit
🤝

Agent & Referral Partnerships

We're a lending partner agents trust. Fast pre-approvals, consistent communication, and buydown tools that help your listings close. Let's build a pipeline together.

Agent Ready
20

Years in the mortgage industry across multiple market cycles — rate hikes, booms, corrections, and everything in between.

Colorado

Licensed & locally focused

Lending With Strategy, Not Just Speed

Anyone can push paperwork. We bring two decades of market intelligence to structure deals that actually work for you long-term.

  • Broker Access — We shop your loan across multiple lenders to find the best rate and terms, not just what one bank offers.
  • Buydown Expertise — We specialize in creative rate reduction strategies that save buyers thousands over the life of their loan.
  • Responsive & Direct — You work with Jocelyn directly. No handoffs, no junior processors running your deal.
  • Proven Track Record — 20 years, dozens of loan types, and clients who come back transaction after transaction.
  • AI-Powered Efficiency — Modern systems keep your file moving without the bottlenecks that slow other lenders down.

The Right Loan for Every Scenario

🏠

Conventional

Flexible terms, competitive rates, and options for as little as 3% down. Ideal for buyers with solid credit and stable income.

3% – 20% down
📋

FHA

Government-backed loans with more flexible credit requirements and lower down payment thresholds for first-time buyers.

3.5% down
🎖️

VA Loans

Exclusive benefit for veterans, active duty, and surviving spouses. Zero down, no PMI, and competitive rates you've earned.

0% down · No PMI
📊

DSCR / Investor

Qualify using your rental property's cash flow, not your personal income. Ideal for building or scaling a real estate portfolio.

Investment properties
Jocelyn Javernick, President Limetree Lending
20+
Years Experience
Jocelyn Javernick
President & Licensed Mortgage Broker · Limetree Lending, Inc.

With 20 years in the mortgage industry, Jocelyn brings an unusually deep combination of lending expertise and market knowledge to every client relationship. As a licensed mortgage broker, she sees every transaction with a strategic lens — not just as paperwork to be processed.

Based in Denver, Colorado, Jocelyn has guided buyers, sellers, and investors through multiple market cycles — always with a focus on finding the right loan structure, not just the fastest approval. She's known for going to bat for clients when it counts and building lasting relationships with agents who trust her to deliver.

Licensed Mortgage Broker Colorado Licensed NMLS #278104 20 Years Industry Experience DSCR Specialist Buydown Expert
20+
Years in Mortgage
CO.
Colorado Licensed

Let's Talk First.

No forms. No pressure. Just answers.

Most people just want to know what's possible before they commit to anything. Call or text Jocelyn directly — she'll give you a straight answer in minutes.

📅 Schedule a Call with Jocelyn Already ready? Apply online →