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Matched with at least one FreeRateUpdate rate shopper in the last 180 daysDowns Financial, Inc. NMLS #3041
Website: downsmortgage.com
At a glance
- HeadquartersDenver, CO
- Mortgage licenses in6 states
- Formed in1998
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Key Facts
- Lender or brokerDowns Financial, Inc.
- NMLS #3041
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Downs Financial, Inc.
Overview
Downs Financial, Inc. is a mortgage lender based in Denver. The company works with borrowers on home loans and refinance loans.
Mortgage options
Downs Financial, Inc. offers conventional, FHA, VA, jumbo and reverse mortgages. It also offers DSCR loans for investment properties, home purchase loans, refinances and cash-out refinances, and works with veterans and military borrowers and with homeowners refinancing FHA loans.
Locations
Downs Financial, Inc. has two branches, with branch locations in California and Texas.
Company details and licensing
The legal entity is Downs Financial, Inc., a corporation formed in Colorado on April 23, 1998. The company headquarters is at 1159 South Clayton Street, Denver, Colorado 80210. NMLS company ID is 3041.
It is licensed in California, Colorado, Florida, Georgia, Pennsylvania, Utah and Virginia.
Verify NMLS #3041 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Is Downs Financial, Inc. legit?
Here's what public licensing records show. Downs Financial, Inc. holds mortgage broker licenses in California, Colorado, Florida, Georgia, Pennsylvania, Utah (NMLS ID #3041, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Frequently Asked Questions
Is Downs Financial, Inc. legit?
Here's what public licensing records show. Downs Financial, Inc. holds mortgage broker licenses in California, Colorado, Florida, Georgia, Pennsylvania, Utah (NMLS ID #3041, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Downs Financial, Inc.'s NMLS number?
Downs Financial, Inc.'s NMLS number is 3041. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Downs Financial, Inc.'s NMLS ID?
Yes. We checked Downs Financial, Inc.'s company name and NMLS ID against the NMLS record on December 10, 2025. They've been in our lender network since March 2014. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Downs Financial, Inc.?
This page has Downs Financial, Inc.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.