Colorado Mortgage Lender · Investor · Landlord
Helping Colorado Springs & Denver-area homeowners climb from 0 to 3 properties. Johnny is a Colorado mortgage pro, an active investor and landlord, and the founder of The Real Estate Ladder, a roadmap that turns your first home into the foundation for lasting wealth.
“Please let me know how I may be of further assistance!”
You do not need 20 percent down and a real estate degree to build wealth with property. You need a system. The Real Estate Ladder is Johnny's practical formula: buy an owner-occupied first home, build equity in it, convert it to a rental, and repeat. Every rung is financed through Colorado Mortgage Connect, where the loan is built around the ladder, not just the transaction.
Purchase your first owner-occupied home with the financing strategy that fits your situation: VA, FHA, USDA, Conventional or CHFA.
Build equity, repair and grow credit, master a budget and learn what the property is really worth as an asset.
Turn the current home into a rental instead of selling it, and learn how rental income and equity fund the next purchase.
Buy the next primary residence and repeat, climbing toward property three and a portfolio that works while you do.
Johnny's unfair advantage: Most brokers can explain how to finance a house. Most educators can explain investing. Johnny does both from the inside: mortgage broker, active investor, landlord and teacher in one call.
Whether you are buying your first home or your third, Johnny meets you where you are and maps the financing to where you are going.
First home, first loan: credit, down payment and the right program explained in plain English.
Financing structured around the whole portfolio, not just today’s transaction.
VA loans done right, including keeping your VA home and buying the next one.
Move to the Springs, Denver or Parker with a mortgage plan ready before you land.
Use equity and rental income to buy the next home without selling the current one.
Right-size the home and the mortgage so retirement cash stays yours.
Refinance, mortgage or sale help when life changes fast and the stakes are high.
Larger loans and complex structures handled with the same clear plan.
Builder financing compared against the market so you are never overpaying on the rate.
I have made a million, lost a million, and made it back through the real estate ladder. That is not a slogan, it is a resume. By 2007 I owned three properties. Then the financial crisis took them, and bankruptcy put me back at the bottom of the ladder.
I rebuilt as a mortgage professional, a landlord and an investor, then built The Real Estate Ladder to teach the education I wish I had: what to do after you buy the house. Colorado Mortgage Connect finances the move. The Real Estate Ladder provides the roadmap.
Briargate to Banning Lewis Ranch, Fountain to Monument. The military family capital of the Front Range.
Area guidesDenver, Aurora, Lakewood, Littleton, Englewood, Centennial and the neighborhoods in between.
Area guidesParker, Castle Rock, Castle Pines, Highlands Ranch, Lone Tree and the master plans growing around them.
Area guidesTypical range Johnny works: $250K to $850K · Also serving Pueblo, Fort Collins, Vail & Breckenridge
“CMC is the best! Great education and knowledge base, fantastic vibes, people that care.”
Client of Colorado Mortgage Connect
An everyday homeowner can move from their first house to three properties. Here is the BUY, BUILD, CONVERT, REPEAT roadmap Johnny Macias teaches Colorado buyers.
Yes, you can keep your current house and buy another one. Here is how Colorado homeowners qualify for a second mortgage while converting the first home into a rental.
When and how Colorado lenders count rental income from your current home when you buy the next one: signed leases, the 75 percent rule, and what to prepare.
Tell Johnny where you are in the process: first home, next home, rental conversion, or a move to Colorado. He will map the financing to your 0 to 3 plan and answer your questions directly.
Licensed in Colorado · NMLS #333811 · No pressure, no jargon, no obligation