NMLS 1231002 | CO License # 100053059
Contact Aaron Montell:
303-638-2403
Aaron has been helping consumers with their mortgage needs since 2014. Aaron's goal is to give every client the absolute best experience. Buying a home and getting a mortgage doesn’t need to be scary or confusing; as a matter of fact, it shouldn’t be. It doesn’t matter if you’re buying your first home or your fifth, he strives to give every client the same outstanding experience and service.
Here's what sets Aaron apart from most loan officers: he doesn't just quote you today's rate; he understands why it's today's rate.
With nearly two decades of experience as a futures, options, and equities trader and technical analyst, Aaron reads the macro forces that drive mortgage rates the way most people read there morning news feed. He is a Chartered Market Technician (CMT) charter holder and the author of "Macro To Mortgage," a newsletter that translates Treasury yields, employment data, Fed policy, market structure, and seasonal patterns into practical insight for borrowers, real estate agents, and lenders.
The CMT, Chartered Market Technician, is a globally recognized professional credential earned by passing a rigorous, multi-level exam program covering technical market analysis, behavioral finance, statistics, risk management, and ethics. Most CMT charter holders work as research analysts, traders, or portfolio managers at hedge funds, banks, and asset managers. Almost none work as mortgage loan officers.
Why does that matter when you're getting a home loan? Because lenders don't actually set mortgage rates; the bond market does. Mortgage rates move every day in response to 10-year Treasury yields and mortgage-backed securities, which in turn react to inflation reports, jobs data, Fed decisions, global capital flows, seasonality, and changing market structure. Most loan officers can tell you today's rate. Aaron can tell you what's likely pushing it there, what to watch next, and whether it makes sense to lock now or wait, backed by the same kind of analysis institutional traders use, applied to your loan.
That market awareness translates directly into client value: smarter lock-vs.-float decisions, realistic near-term rate expectations, and an early read on future refinance opportunities before they pass.
In 2020, that analytical edge earned him first place in the annual economic forecasting competition hosted by the Denver Association of Business Economists.
Aaron is passionate about financial literacy and has put real time behind that conviction. He formerly volunteered with Economic Literacy Colorado, a nonprofit dedicated to bringing economic and personal-finance education into K–12 classrooms across the state. In September 2024, ELC merged with Junior Achievement-Rocky Mountain, where its programs continue, and Aaron Volunteers as part of JA's Stock Market Challenge.
Long before he was advising on your home loan, he was a Denver radio personality known on the airwaves as "Double A." He's been a fixture on the airwaves since the late 1990s, and you can still catch him:
Aaron grew up here and has watched the Denver metro transform first-hand, from the revitalization of LoDo, to the rise of new neighborhoods in Parker, Southeast Aurora, and the areas near old Rocky Flats. When he's not working with clients or watching charts, he's out enjoying everything the state has to offer with his wife, Jenny: hiking, scenic runs, and kayaking, with Grand Lake on the west side of Rocky Mountain National Park among his favorite places to land.
"As always, Aaron has come through for us! We have used Aaron for multiple purchases and refinances, and he's always on top of everything. Great communication, and easy to talk to about complicated loan details."
"Aaron gave us all the information we needed and a heads up whenever there were changes to be made. He stayed with all the timelines he gave us and was patient with us when we had some delays, checking and verifying regularly. He came highly recommended and he was worth it."
"Aaron was extremely helpful and available, even during non-traditional work hours. We could not have done this without his help!"
"My husband and I were first-time homebuyers, and new to the process. We had dozens of questions. Aaron was very attentive, responsive, and helped us through every step of the mortgage journey. We will definitely be recommending him to friends!"
"Aaron is great! Understanding and very helpful."
"Wow, that was fun. That was simple. Aaron, solid dude."
"Aaron was phenomenal. Not only did he spend a good amount of time going over my mortgage options prior to me purchasing a home, but he answered any questions throughout the process and turned around pre-approval letters on a moment's notice. Aaron is THE guy that you need when it comes to making any type of home or property purchase."
"I am amazed with how easy and fast this process was. I contacted Aaron, filled out some forms/information and shortly was signing the refinance paperwork. Could not have been happier."
"Overall easy, direct and clear communication, and dependable. All good things."
"Aaron was on top of everything, always available, and exceedingly pleasant to work with."
"Aaron Montell was always very professional and prompt with his communication. I especially appreciated being able to receive and send sensitive documents long distance through a secure web portal."
"I worked with Aaron Montell and had a great experience. My situation was complicated by my massive student loans, but Aaron put in extra work to get me approved. As we went through the process he was great at explaining to me what was going on while still being honest and realistic about where we were with the loan. It took some doing but he got me approved and helped me become a condo owner and I’m incredibly thankful for that."
"Aaron was a pleasure to work with. He was thorough and quick to get this done for me. I will be recommending him to all my friends."
"Aaron was extremely informative and helpful."
"He’s always on top of things and goes out of his way to make it easy on the client."
"Everything was great from the beginning. Aaron made everything seem easy and smooth."
"Always very responsive."
"I worked with Aaron on an investment property purchase and a home refinance. In both cases, he guided me through every step with ease, and his advice and loan strategy set me up for an excellent long-term path. Would recommend 100% to anyone needing a knowledgeable and professional lender!"
"Aaron was incredible to work with. Very knowledgeable and communicative. Highly recommend."
"This is the second time that we've used Aaron for our mortgage. He got us a great rate again and the process was quick and easy. If you are looking for a mortgage provider or to refinance your home, Aaron is your guy. Very quick process and very professional!"
"For a good two weeks, Aaron contacted me twice per day with rate updates and discussed the best course of action on each of those days. This didn't seem like a pain for him. In fact, I think he actually enjoyed it which helped me trust him more each day. Painless from start to finish."
"I cannot be more positive about my entire experience with Aaron and Legacy Home Lending. I have actually utilized Aaron's skills twice now to refinance our home for a better rate, then again for a better rate and to cash out to finish our basement. He was beyond prompt with his responses, honest, and genuinely had my interests in mind, not his. I have recommended him to everyone who will listen. Do not hesitate to contact him, it will be the best choice you make!"
"Working with Aaron was a pleasure. Everything was completed in a timely manner and ease of completing documentation securely online greatly simplified the process."