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Michael Heldt

NMLS #277861

Branch Manager • Denver Tech Center Branch

10 Years of Industry Expertise 
Phone: 720.358.3791
Cell: 720.224.2337
Fax: 855.879.9167
Licensed in CO


Branch Manager

About Michael


When you are looking to work with a mortgage professional, it is most important to be comfortable with the individual on the business card. Fortunately, in my case, it also helps to be associated with a forward-thinking, common sense lender, with quick turn times, and a real dedication to customer service.

After spending 7 years in the investment industry as a Financial Consultant in Southern California, I decided to reposition my skills to lending. I worked as a Premier Client Manager with Bank of America in Orange County, CA for 2 years assisting high net worth clients with their deposit, investment, and credit needs.

When my wife and I learned that we were pregnant with our first child, we decided to move to Colorado to raise our family in September of 2005. After spending a few years as a Banking Officer with FirstBank of Douglas County, I returned to my focused passion of making a positive influence in the financial lives of the clients I serve. I am most excited about my latest transition to American Pacific Mortgage.

I married my amazing wife, Rachel, in February, 2002. We have a 10 year old daughter, Aubrey, and a 8 year old daughter, Ainsley. We instantly fell in love with the greater Denver area.

If you are looking to work with a financial professional who holds ethics in the highest esteem, believes in open, honest and direct communication, and yet understands that you can actually have a good time while providing the highest level of customer service, I hope that you'll give me the opportunity to prove to you that I am the right person to work with.

Oh yeah, and I can do the same type of loans that everyone else can...Conventional, FHA, VA, Jumbo, USDA, Homepath, down payment assistance, etc.

NMLS 1850. 

Branch Address: 7979 E Tufts Ave Suite 150, Denver CO  80237

See what my customers are saying...

In the past year I've had several clients use Michel Heldt as a lender and ALL have had a great experience with him. He is very professional and makes the transaction smooth, stress free, and enjoyable for all involved. I wouldn't hesitate recommending his services for ANYONE looking to purchase or refinance a home. I look forward to continuing my professional relationship with him for years to come!

Mark McClung - Realtor

As first time home buyer the whole process seemed scary and over whelming however Mike made the process so easy. He took the time to talk me through everything and answered all my questions. His response time to email was nearly immediate and very detailed through out the whole process. It made purchasing my first home completely stress free.

Jessica Baker - First Time Homeowner

Mike is one of the best in the business! As a Realtor I am looking for highly qualified loan officers to refer my buyers to and I highly recommend Mike to all my clients. I know he will make their mortgage experience smooth and pleasurable as possible!

Amber Tipps - Realtor

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. A competitive advantage on the home you are listing. With our Seller’s Edge program, attract more buyers and sell your home faster by offering closing cost credits. Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Qualify for financing in as little as one year after a financial hardship. We can help get you back in the game for a home loan up to $2M on an owner occupied property. Investor Advantage gives you the most purchasing power in the market today for investment properties. A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. Purchase a home with low down payment and flexible sources of funds. Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines.

Home Buyer Blog