About Randy Spierings, CPA, MBA
Randy Spierings is a CPA, MBA and mortgage lender with Primary Residential Mortgage, Inc. (PRMI) in Greenwood Village, Colorado. He brings 30+ years as a CPA and 22+ years in residential mortgages to every loan, so borrowers get a financial strategy, not just a rate.
From CPA to Mortgage Strategist
Randy started his career in accounting and has spent more than 30 years as a CPA. He moved into residential lending more than two decades ago and has been with Primary Residential Mortgage, Inc. ever since, where he now serves as a mortgage lender in the Greenwood Village office. Over that time he has guided Colorado borrowers through several housing cycles, rate spikes and market shifts.
Most loan officers start with the rate. Randy starts with your numbers: monthly cash flow, the timing of your costs and what the loan will cost over the years you actually plan to keep it.
Where the Primary Focus Is You
Clients know Randy for his “Home Ownership 101” approach. He walks through the actual math with you, such as break-even points on a refinance, rent-versus-buy comparisons and the long-term cost of a 30-year fixed versus a 15-year loan or an ARM, so you understand the decision before you sign.
He is patient with first-time buyers, direct with experienced owners and investors, and focused on what makes sense for your full financial picture.
What to Expect When You Work With Randy
Strategy, Not Just a Rate
Randy compares loan options by total cost, cash flow and long-term fit, not by the advertised rate alone.
Education First
You get plain-language explanations of every number, from pre-approval through closing, so there are no surprises.
One Roof, In-House Decisions
PRMI is a direct lender that underwrites and funds loans in-house, so decisions are not passed between brokers and wholesalers.
Colorado Focus
Randy works with Colorado homebuyers and homeowners from his Greenwood Village office and knows the Denver metro market.
Meet Randy
Get to know the CPA behind the mortgage advice.
Randy Spierings, CPA, MBA (NMLS #217152) has spent 30+ years as a CPA and 22+ years structuring residential mortgages through Primary Residential Mortgage, Inc. (NMLS #3094). He works with Colorado homebuyers and homeowners from the Greenwood Village office at 5650 Greenwood Plaza Blvd and focuses on cash-flow, tax timing, and long-term ownership costs, not rate shopping alone.
What Clients Say About Randy
Tailored Mortgage Solutions to Meet Your Unique Needs
Randy helps Colorado borrowers compare the main home loan options side by side and choose the one that fits their finances, not just this month’s payment.
Conventional Loans
Flexible terms for borrowers with solid credit, structured around your long-term goals.
FHA Loans
Lower down payment and more flexible credit guidelines, often a fit for first-time buyers.
VA Loans
Zero-down-payment options for eligible Colorado veterans, service members and surviving spouses.
Jumbo Loans
Financing for higher-priced Denver-metro homes, with careful attention to reserves and cash flow.
First-Time Homebuyers
Step-by-step guidance and low-down-payment programs for your first purchase.
Refinancing
Rate-and-term and cash-out options, with honest break-even math before you commit.
Fixed vs. Adjustable-Rate
See how fixed-rate loans and ARMs compare over the time you expect to keep the home.
Reverse Mortgages (HECM)
Options for homeowners 62+ who want to use home equity as part of a retirement plan.
Mortgage Strategy Call
Not sure where to start? Book a free call and go through your numbers with Randy.
Frequently Asked Questions About Randy
Who is Randy Spierings?
Randy Spierings, CPA, MBA, is a mortgage lender with Primary Residential Mortgage, Inc. (PRMI) in Greenwood Village, Colorado. He has 30+ years of experience as a CPA and 22+ years in residential mortgages.
Where is Randy's office?
5650 Greenwood Plaza Blvd, Greenwood Village, CO 80111. You can meet in person or work with Randy by phone and video.
Is Randy licensed in Colorado?
Yes. Randy is a licensed mortgage loan originator, Individual NMLS #217152, with Primary Residential Mortgage, Inc., NMLS #3094.
How does Randy's CPA background help me?
Randy reviews your loan options by cash flow, timing of costs and long-term total cost, not just the rate. He does not prepare taxes or give advice on your specific tax return; he will point out tax-related questions so you can confirm them with your own tax professional.
What types of loans does Randy offer?
Conventional, FHA, VA, jumbo, first-time homebuyer, refinance, fixed-rate and adjustable-rate mortgages, and reverse mortgages (HECM) for homeowners 62 and older.
How do I get started?
Call (303) 521-3682, book a free strategy call or apply online. Randy will review your goals and documents with you.
Talk Through Your Numbers With Randy
Call (303) 521-3682 or book a free strategy call. You can also apply online or contact the Greenwood Village office.