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Welcome to Chariot Financial

Chariot Financial is a wholesale mortgage broker located in Lakewood Colorado

With over 16 years experience in the mortgage industry, we are committed to providing exceptional customer service, the very best pricing, and products available for our clients.  Colorado owned and operated, we are here to assist with all your mortgage needs!

Client Testimonials

"Zach did a great job for us and helped every step of the way to get us a great lower rate and help us eliminate our PMI! He helped us overcome any hurdles with underwriting and went above and beyond the call of duty. He explained what was going on…Read More

Aurora, CO

"Zack was fantastic he was always their to answer all my questions and concerns, if he did not have the answer for me at that time he was able to get it and respond back quickly. When city wide mortgage said I would not qualify for loan , Zack at…Read More

Byers, CO

"I had the best experience with Zach. Constantly checking in on a weekly basis, he made sure everything thing went smooth. If we had any issues he would kindly find out why and take care of it. I highly recommend Zach and his team."

Matthew A.

"Dealing with Zach was an extremely positive experience. He was very knowledgeable and thorough. Zach was always available when I had a question or concern. It was a seamless process. I would highly recommend Zach."

Centennial, CO

"I would like to say working with Zach was awesome! From beginning to the end Zach, Marlie, and RJ assisted me all of the way and made the process painless. I am so happy to have worked with such a wonderful group of people."


"Looking for a loan officer who will work WITH you, not just FOR you through the complicated process of buying a home. Someone who gets just as excited about finding your dream home as you do? A guy whose commitment towards customer service is as strong as his handshake? Whose…Read More

Bailey, CO

"Very impressed! Zach Smith was attentive to all of my questions and follow up was immediate. We bid on multiple houses, and Zach was "spot on" with his information. Zach kept everything organized and clear by anticipating our needs, and being prepared when our realtor was able to close a…Read More

Jason M.

"Zach was awesome with all of our questions and every detail. He made sure we felt comfortable with every thing happening. It was a great experience for being first time home buyers. Couldn't have been happier."

Colorado Springs, CO

Recent Blog Posts

Down Payment Assistance

One of the most useful programs for First time home buyers is down payment assistance. I utilize, for the most part, Colorado Housing and Finance Authority for my down payment…

Mortgage Insurance

One of the more challenging things about mortgage financing is that we can not generally, with the exception of USDA and VA loans, lend on 100% of the value of…

USDA financing

One of the most useful loans available are loans offered by USDA. That is the United States Department of Agriculture. USDA offers several types of loans but the loan product…

Should you pay points on your loan?

One of the biggest aspects of a home mortgage is the interest rate. This little number is going to determine the cost of the money that you are borrowing, kind…

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