Patty Kulton

Loan Originator

NMLS #688546

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Office: 720.291.7809

Call or Text: 720.291.7809

EMAIL ME

[email protected]com

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About me.

Mortgage lending is more than selling loans. It's about helping people achieve their homeownership goals. Whether that's helping them reach a better financial position or connecting them to the home of their dreams, it's about guiding them to the finish line.

My industry experience has taught me to take the time to understand my customers: What's their story? How can I help them in their pursuit of a home? When I see my customers as real people with real goals, needs, and dreams, I get to match them with the best loan product and create a truly seamless lending experience.

Everyone has a story to tell. What they need is a Loan Originator who will listen, customize a loan to meet their needs, and guide them every step of the way.

I look forward to working with you!

Let's connect.

Your home buying or refinancing journey starts here. Fill out the form to get in touch.

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By submitting a request to be contacted, you authorize Cardinal Financial Company, Limited Partnership to deliver or cause to be delivered telephone calls or text messages using an automatic telephone dialing system, automated system, or an artificial or prerecorded voice, including calls or texts made for advertising purposes or that constitute telemarketing or solicitations, to the residential land line or wireless telephone number(s) or email address you have provided for purposes of fulfilling this inquiry about mortgage financing, even if call or text results in a charge by your provider. You also agree that this authorization is valid even if any of the number(s) listed above have been added to Cardinal Financial Company, Limited Partnership’s company specific do-not-call list, or to any State or Federal Do-Not-Call Registry. Providing your consent to receive such calls from Cardinal Financial Company, Limited Partnership is not a condition of buying any goods or services from Cardinal Financial Company, Limited Partnership, and will not affect whether Cardinal Financial Company, Limited Partnership provides goods or services to you. Message and data rates may apply. SMS delivery frequency may vary depending on the campaign. For more information please read our Privacy Policy and our Terms and Conditions. If you do not wish to consent, you may contact a Loan Originator by calling 855.561.4944.

My reviews.

Oct 17, 2022

Survey • Kristina

Patty and Sue are hands down the best at what they do!!

Sep 12, 2022

Survey • Carleen

Patty and Sue really made this a great experience. We are first time home buyers, so I really was clueless. They explained each step along the way and were incredibly patient with my questions.

Aug 8, 2022

Survey • Jeanette

Great started 3 years ago when Patty helped me with my credit. She is very responsive. Held my hand the entire way. Very calming demeanor and made sure I was at ease every step of the way. Always available if I need her. Everyone should be like Patty.

Jul 29, 2022

Survey • Scott

Prompt responses from Patty and Sue. Lots of options provided for loans.

Apr 22, 2022

Survey • Colton

Extremely helpful and friendly

Mar 30, 2022

Survey • Haley

She made sure everything was in order and went above and beyond to get information all ready for closing.

Feb 25, 2022

Survey • Crystal

Patty , Alayna,and Sue were the most professional caring women I’ve ever got the privilege to work with. They were involved and hands-on at all times and made sure to cross the t’s and dot the i’s

Jan 17, 2022

Survey • Randall

She is so knowledgeable, attentive and just so on top of the entire process! Patty was kind and always returned our messages and questions.This was the third time she has helped us with some complex (to me, at least!)problems in an exemplary way. A special shoutout to her office person, Ms. Sue Edwards who was so responsive and helpful. I am a lifelong customer of Caliber, thanks to Ms. Kulton's commitment to excellence!

Jan 14, 2022

Survey • Eric

Patty did a good job.

Dec 30, 2021

Survey • Gregory

Patty and Sue made the Refi easy and painless. Great ladies!

Loan process
overview.

Getting a mortgage or securing a better rate with a refinance doesn’t have to be a migraine. Here’s a high-level look at the process.

Connect and apply.

First, get your free quote. Then one of our loan originators will be in touch to say hey, discuss your goals and options, and walk you through the application process.

Lock and close.

Whether you’re purchasing or refinancing, our underwriting team crosses the t’s and dots the i’s to verify your info. We’ll update you on your progress every step of the way.

Make yourself at home.

Once your loan is locked and you’ve signed your closing disclosures, you either get your keys or you get on with your life in the home you love, with the rate you deserve.

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options.

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