Guiding You Home

No matter where you are on your home loan journey Beacon Lending can help you achieve your goals.

Do you need help Now closing your home loan?

Beacon Lending can guide you all the way to a mortgage that works for you!

Beacon Lending Founder

Brian Quigley Profile Photo
Brian Quigley
Hello, my name is Brian Quigley and I have been a mortgage broker since 2003. I have been fortunate enough to choose this very rewarding mortgage broker career and help thousands of borrowers over the years.

Buying and Selling a Home is a Journey that Requires Planning

As a Seller You Need an In-Depth Home Report that Can Get You What Your Home Is Worth.

Homebot will help plan your journey, giving you both a low and high range of value. 
Homebot For Sellers

Looking For Quality Listings Can Be A Challenge.

Homebot Will Guide You To Your Goal With In-Depth Listings. 
Homebot For Buyers

Five Steps to Closing Your Home Loan

hiking trail head looking up at summit

Step #1 - Planning

You want to achieve the goal of homeownership. 
Understand the different types of home loans.
Find out what type of mortgage and how much home you can afford.
Organize & gather W2's, tax returns, pay stubs, bank statements, and assets.

Step #2 - Research & Plan

Do you choose a mortgage broker, banker, credit union, or wealth manager?
Who is best suited for my needs?
Am I trying to buy an existing home, new build, investment property, commercial property...?
route to the summit
Home Loan Helicopter Rescue

Step #3 - Rescue Options to Get Back on The Trail

You have chosen your lending partner based on Truth, integrity, experience, and how they can help you achieve your goals of homeownership or refinance.
Sometimes during the home loan journey you may become a bit lost, confused, or disoriented. You may need help NOW!

Step #4 - Navigating the Journey

You have all your documents organized but you are having trouble getting qualified through your lender.
Your destination is in sight but the underwriter is taking forever or the lender is giving you the run around.
mountain guide pointing to the summit
Achieving a home loan just like a climber on the summit

Step #5 - Rise to Peak Exedition

Here are your keys, you did it!
With much gratitude and appreciation, we now want to say CONGRATULATIONS ON YOUR NEW HOME!
Beacon Lending thanks you for allowing us to guide you on this journey.

Testimonials & Reviews

Adam Armstrong
Getting the lowest rate was the most important thing to me. I shopped 5 other lenders/brokers for my refinance. Brian was able to beat the other lenders by a significant margin. I was surprised as I thought most lenders would have similar rates. I think being that Brian is a broker and has access to hundreds of lenders gives him a leg up to finding the best rate for his customers. The process was also very straight forward and he was available when I had questions.
Brent Galas
Brian, was very easy to work with for my refinance even thru this Covid time. All documents were easy to upload electronically and his processor was detailed for what was needed. He was able to get me an appraisal waiver so no cost to me and nice to not have anyone in my house for it. Never imagined closing rate in the 2’s!! Closing was completed outside my house with masks and done in 10mins... Brian gave great service and provided me with savings for next 29 years! One year shorter than standard 30. Will use Brian again for my next investment property!
Jerred Lane
Brian Quigley is one of the most professional mortgage brokers I have EVER had the pleasure of working with. I’ve been through this process 7 times before and while none of the previous experiences were bad by any means, Brian has raised the bar to a whole new level. With time being precious, there are not many who have a lot of time to spare; he kept everything on point and on track. We closed on schedule and the detailed communication Brian provides is part of the reason why we were able to do so. I will be doing business with Brian again and highly recommend him to any one that may be in the market.
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Mortgages & Home Loans

FHA Loans

FHA loans are a great option for home buyers in Denver, CO looking for financing on their primary residence. FHA mortgages offer:

  • low closing costs
  • low mortgage insurance
  • 3.5% down payments
  • flexible credit score requirements
  • down payment assistance programs
Learn More About FHA Loans

VA Home Loans

VA Loans are great for those that qualify. These home loans are intended for active military and Unites States Military Veterans. National Guard and select Reserve members may qualify as well. The advantages include:

  • 0% down payments
  • no mortgage insurance
  • limits on closing costs
  • low interest rates
  • financing up to 100% of the value of the home (LTV)
Learn More About VA Home Loans

Conventional Loans

Conventional loans (non-conforming loans) can offer more flexibility. A conventional loan could be a great option if:

  • you are considering a second home or investment property.
  • you are a first time home buyer with little money for a down payment as only a 3% is needed.
  • the down payment amount is at least 20% of the home value because the PMI (premium mortgage insurance) will not be needed, saving you hundreds of dollars on monthly mortgage statement.
  • you have a good credit score as it can give you a better interest rate.
Learn More About Conventional Loans

USDA Home Loans

USDA home loans can be a great option if you are buying a home in a qualified rural area. Advantages to a USDA Home Loan include:

  • a great way to purchase a home with limited resources.
  • it is possible to qualify for a USDA loan with a 0% down payment.
  • low closing cost options.
Learn More About USDA Home Loans

Jumbo & Super Jumbo Loans

If you are looking to secure a home loan that exceeds the loan limits for FHA and Conventional Loans then you may be in the market for a Jumbo Loan. Jumbo loans are for:

  • home loans that exceed the conventional loan limits of $510,400 (in 2020).
  • you need to finance up to 90% of the home value.
  • people who are self employed or need alternative ways to prove their income.
Learn More About Jumbo Loans

Reverse Mortgages

A Reverse Mortgage could be a good option for people who are over the age of 62 and:

  • looking to supplement their income.
  • need extra income to pay for healthcare expenses.
  • want to pay off or pay down existing debts.
Learn More About Reverse Mortgages

Mortgage Refinance

A mortgage refinance can be a great way to take advantage of historically low interest rates to lower your monthly mortgage payment or cash out with your existing equity. We can help with all types of home loan refinance options including but not limited to:

  • Term home refinance
  • Cash out refinance
  • Reverse mortgage refinance
  • FHA Streamline Refinance
  • FHA 203K Refinance
  • HARP 2.0 Refinance
  • VA Streamline Refinance
Learn More About Refinancing Options

FHA 203K Loans

The FHA 203K loan has been around since the 1970’s however the reason why you don’t hear about a lot of them being done, is either the borrower is aligned with an in-experienced loan officer, who does not want to take on the challenge of additional work and time to close, or you just don’t know about it. These loans are available when you purchase or refinance a home.

Learn More About FHA 203K Loans

Beacon Lending News

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Top 8 Neighborhoods in Tampa Area, St. Petersburg

St. Petersburg FL

Buying a Home in St. Petersburg FL

Buying a Home in Austin, Texas

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Firefighter, police, military veteran, nurse, and teacher

Home For Heroes Foundation

Reduced Lending Fees and Local Business Deals
Homes for Heroes, Inc., donates a portion of its earnings to the Homes for Heroes Foundation, and every time a hero buys or sells a home using the Homes for Heroes program, they are helping heroes in need.
“The Homes for Heroes program made me feel like my sacrifices
to my community and my country were worth it. That there was
somebody there, to tell me, thank you for your service and
shaking my hand.” - Cinda

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