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Free Consultation

Complete this 30 second form to receive a no obligation consultation. We will analyze your situation and determine the best solution.

Welcome To Next Gear Mortgage Company

At Next Gear Mortgage Company, we offer a wide range of "A" rated lenders with first quality rates.  We don't place you into a loan profile formula created by the banking industry.  Because Next Gear Mortgage is a Broker company we are able to help you in all kinds of situations. This allows us to get you the best rates on all types of loan programs including: 30yr, 20yr, 15yr, and 10yr mortgage, 1yr, 3yr, and 5yr ARMS, Conventional, Jumbo, Home Equity Lines, USDA, VA and Reverse Mortgages. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!  We will provide individual service, and assist in finding the best deal for you while keeping it simple. 


Mortgage Calculator 

Use our  MONTHLY MORTGAGE CALCULATOR to figure out what your monthly mortgage payment would be 

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1% Down with Equity Boost Program

Latest News

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Today's Rates*

30 Yr Fxd4.125%4.395%
15 Yr Fxd3.5%3.967%
5 Yr ARM3.75%4.445%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.

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What People Are Saying

"I was worried that I wouldn't be able to qualify for a loan. I spoke with Bradley and he told me to apply on their site. The next day he not only qualified me but had me locked into a great rate."

Larry BensonColorado Springs

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Next Gear Mortgage Company NMLS #1434086

Bradley Edwards NMLS #970097