About J.D. Peck

I’m J.D. Peck—husband, father, mortgage loan officer, Colorado native and long-time Colorado Springs resident with over two decades of industry experience. I help homebuyers, homeowners, real estate investors, and builders across 49 states secure personalized mortgage solutions that match their goals. Whether you’re purchasing, refinancing, relocating, or leveraging equity, I bring both strategic insight and real-world guidance to the table.

My Background

I began processing home loans in 1999 and became a licensed real estate agent in 2003. I started originating mortgages in 2005 and have been fully immersed in lending and real estate ever since. My experience spans both the highs and lows of the housing market—shaping a deep understanding of what it takes to serve clients well in every economic environment.

In addition to my retail lending experience, I’ve worked closely with homebuilders to develop creative financing strategies that improve affordability and boost buyer confidence. I’ve also helped structure incentive programs that drive win-win outcomes for both builders and buyers.

Who I Help

I serve a wide range of clients—from first-time buyers and military families to self-employed entrepreneurs and seasoned investors. I specialize in loan products that meet complex scenarios including:

• VA, FHA, and Conventional Loans
• Refinancing for lower payments or debt consolidation
• Self-employed borrower solutions
• Bank statement and asset depletion loans
• ITIN and DACA borrowers
• Second mortgages and HELOCs
• Investor loans and DSCR financing

What You Can Expect

Mortgage lending is not just about numbers—it’s about people. I believe in transparent communication, fast responses, and offering honest guidance with zero pressure. From your first conversation to the final closing, my team and I stay engaged every step of the way.

We’ll help you understand your options, navigate obstacles, and make smart, confident decisions. If you’re working with a real estate agent or builder, we’ll coordinate directly to keep ev