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Elite Financial Team LLC

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ABOUT US

Serving Westminster, Parker, Denver, Aurora, Lakewood, Fort Collins, Castle Rock, Centennial, Loveland, Erie, Broomfield, Boulder, Arvada, Thornton, and all of Colorado. Ready to explore your options? We have a mortgage for that!

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Years of Experience
ABOUT KIRK & ELITE FINANCIAL TEAM

Dedicated Mortgage Solutions Built on 20+ Years of Experience.

Navigating the mortgage landscape can be complex, but you don’t have to do it alone. Kirk Arzberger provides expert, tailored guidance and a “Mission before Commission” philosophy to help you achieve your homeownership goals. Whether you are stepping into your first home, refinancing an existing loan, or exploring VA/FHA options, we deliver trusted local advice across Denver, Westminster, Parker, Aurora, Lakewood, Fort Collins, and all surrounding Colorado communities. Achieving your homeownership goals is easier with the right partner. Kirk delivers personalized, expert guidance every step of the way—whether you are buying your first home, refinancing, or tapping into home equity. Count on trusted local advice tailored to clients across Denver, Westminster, Parker, Aurora, Lakewood, and all of Colorado.

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Empowering Your Financial Future Through Expert Mortgage Planning.

We simplify the mortgage process, providing you with clarity, competitive rates, and a strategy tailored to your unique financial goals. Your journey to homeownership starts with the right guidance.
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Local Families Helped
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Mortgage Solutions
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Funded Volume
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Years Of
Experience

Staff Profiles

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Kirk Arzberger

President & CEO
NMLS ID: 301593 Kirk@eftloans.com

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Mike Batch

Sr. Mortgage Specialist
NMLS ID: 1017682 Mike@eftloans.com

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Maddy Westra

Sr. Mortgage Specialist
NMLS ID: 1810769 Maddy@eftloans.com

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Leslie Halliday

Mortgage Specialist
NMLS ID: 2080372 Leslie@eftloans.com

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Charles Smith

Mortgage Specialist
NMLS ID: 2606849 Charles@eftloans.com

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Melissa Payne

Mortgage Specialist
NMLS ID: 2533274 Melissa@eftloans.com

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Emilee Engeling

Mortgage Loan Processor
NMLS ID: 1910427 Emilee@eftloans.com

CLIENT FEEDBACK

What Our Clients Say

"Kirk and Elite Financial Team made our home buying experience completely seamless!" "As first-time buyers in Colorado, we were nervous about navigating the mortgage process, but Kirk walked us through every step with complete clarity. He secured an incredible rate on our Conventional loan and got us pre-approved in record time. His 'mission before commission' philosophy really shows in how much he cares about his clients. Highly recommend!"
— Marcus & Sarah T.
— Marcus & Sarah T.Denver, CO
"The best mortgage broker for veterans in Colorado." "Working with Elite Financial Team for my VA Home Loan was the best decision I made. Kirk's deep knowledge of zero-down payment options and military benefits saved me thousands of dollars at closing. There were no hidden fees, no unnecessary delays, and excellent communication from start to finish. Thank you, Kirk!"
— David K.
— David K.Aurora, CO
"We reached out to Kirk to discuss refinancing our property and lowering our monthly payments. He analyzed multiple wholesale lenders to find us a program that fit our exact goals. The entire process was fast, transparent, and completely stress-free. If you need a reliable mortgage partner, Elite Financial Team is the one to call!"
— Elena R.
— Elena R.Westminster, CO

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