Judy L Jones
Residential Mortgage Loan Originator | NMLS# 26496...
Proudly serving homebuyers and homeowners in Colorado, Texas, and New Mexico. Helping clients take the next financial step, including: First-time home purchases, moving up to a larger home or downsizing to a smaller home, using home equity ... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Judy was incredibly patient throughout the entire borrowing process and took the time to make sure everything was clearly understood every step of the way. Her professionalism, knowledge, and dedication truly stood out. I would highly recommend...
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Reply from Judy L Jones
March 1st, 2026 10:19 PM
Joseph, I appreciate your speed and attentiveness with providing everything that was requested. Purchasing your first home is an exciting and landmark moment, and you did it! I wish you the best memories and experiences with your wife and family...
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Working with Judy was an absolute delight. She made the entire process effortless for my client. She’s undoubtedly one of the best LO I’ve ever had the pleasure of working with. Judy promptly responds to inquires and ensures that everything...
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Reply from Judy L Jones
March 1st, 2026 10:10 PM
Bryan, it was a pleasure to work with our mutual client together. Your expertise and consistent communications helped every step of the way. I am grateful to work with you as a referral partner and look forward to growing business together!...
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Judy Jones was such a professional and very caring every step of the way of my experience Ms. Jones during this process was awesome. She kept me informed and made every step of the way such a pleasant experience. I would recommend that anyone...
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Reply from Judy L Jones
February 2nd, 2026 09:14 PM
Thank you so much for your kind words, Ester! I truly appreciate you taking the time to share your experience. It was an absolute pleasure working with you, and I’m grateful for the trust you placed in me throughout the process. Helping make...
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Judy is very knowledgable about the different loans available, was quick to respond, and patient with us in getting documents to her.
Reply from Judy L Jones
December 31st, 2025 10:22 PM
Thank you, Steve! You are an awesome client and are very organized with your documents, which makes the process flow so much better! I appreciate the kind words and look forward to supporting your future goals with your real estate.
Judy used knowledge and understanding of her roles and responsibilities so masterfully there were options and benefits she managed to incorporate into my loan process that my realtor wasn't even aware of Her professionalism, responsiveness,...
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Reply from Judy L Jones
December 18th, 2025 10:05 PM
Thank you so much for the kind words, Blake, and for taking the time to share your experience. It truly means a lot to know that my guidance, communication, and attention to detail made a positive impact on your home buying experience. I’m...
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With Judy's help we breezed right through this refinance with no stress. Great attention to detail, spot on advice, excelent communication and coordination makes working with Judy's great!
Reply from Judy L Jones
December 9th, 2025 01:51 AM
Kaitlin and Clinton - It was a pleasure helping you with your refinance, and I’m grateful you trusted me to walk you through each step. My goal is always to make the process clear and smooth, so I’m glad the experience felt supportive from...
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Judy went above and beyond for our refinace! She was professional, helpful, and knowledgeable at every step in the process. I am grateful to have had Judy in our corner for this refi, and we won't hesitate to recommend her to friends and family...
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Reply from Judy L Jones
December 9th, 2025 01:51 AM
Kaitlin and Clinton - It was a pleasure helping you with your refinance, and I’m grateful you trusted me to walk you through each step. My goal is always to make the process clear and smooth, so I’m glad the experience felt supportive from...
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Judy not only displayed a great level of professionalism and knowledge, but she was extremely kind and patient in taking the time to explain the legalities and procedures that come with buying a home. Our experience with Judy supersedes our...
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Reply from Judy L Jones
December 9th, 2025 01:49 AM
Laura, Thank you so much for sharing this! Working with you and your husband was truly a pleasure, and I’m grateful you trusted me to guide you through the process. I was excited to meet you in person, see your beautiful new home and hear about...
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experienced, helpful, thorough, patient, kind
Reply from Judy L Jones
November 17th, 2025 09:15 PM
Thank you for the kind review, Ashley! It was an honor to help you with your relocation to El Paso! It's important for me to ensure each client feels supported throughout the transaction. I am open to assisting you in the future, don't hesitate...
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Judy is the best Loan Officer I've ever worked with! Working with Judy was like working with family. She always made herself available, was always honest and always had my best interest in mind. Judy clearly laid out all my options and allowed...
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Reply from Judy L Jones
October 24th, 2025 08:37 PM
Blake, thank you for such kind words. I'm really glad to hear that you felt comfortable and supported throughout the process. It's important to me that you have all the information needed to make confident decisions. I look forward to working...
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About
Proudly serving homebuyers and homeowners in Colorado, Texas, and New Mexico. Helping clients take the next financial step, including: First-time home purchases, moving up to a larger home or downsizing to a smaller home, using home equity for new opportunities. Building trust with accountability, transparency, and efficiency. Known for straightforward, no-pressure advice backed by 25+ years of experience. Working closely with clients and a skilled team from start to finish, celebrating each homeownership success!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Non-QM
DSCR Loans
Self-Employed Mortgages
Bank Statement Loans
Specialities
Residential Mortgage Lending
Licensed in Colorado, Texas and New Mexico
Fannie Mae, Freddie Mac, FHA, VA, USDA, Alternative Mortgage Products
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Positions
- Universal Lending Home Loans - Residential Mortgage Loan OriginatorJul 29th, 2014 - Current
Memberships
- Colorado Mortgage Lenders Association
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1988
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 264968
- CO 100031992
- TX SML-RMLO
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Hobbies
- Skiing
- Hiking
- Gardening
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Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.