The CPA Financial Advantage: A CPA Mortgage Lender in Greenwood Village, CO
A mortgage is a financial decision, not just a rate. Randy, a CPA for 30+ years, walks you through cash flow, total cost and break-even math before you commit.
Randy Spierings, CPA, MBA Loan Officer · NMLS #217152 · Primary Residential Mortgage, Inc. NMLS #3094
⭐️⭐️⭐️⭐️⭐️ 5.00 (33 Google reviews)
Most lenders sell a rate. Randy helps you make a smarter financial decision. As a CPA with 30+ years of experience and a mortgage lender with 22+ years at Primary Residential Mortgage, Inc., he looks at the whole picture: what the loan does to your monthly cash flow, how it fits your financial plans and what it costs over the years you will actually keep it. If you have been looking for a mortgage lender near you who can explain the numbers, not just quote a rate, this is how Randy works.
What that looks like in practice
- Cash flow first: the payment is compared with your real monthly budget, not just a qualifying ratio.
- Total cost, not just the rate: closing costs, points and interest over the time you expect to keep the loan.
- Break-even math: for refinances, how many months until the savings cover the costs.
- Self-employed and complex income: Randy reads tax returns the way other loan officers read pay stubs, which helps business owners and borrowers with K-1 income, which can make documentation smoother.
- Planning conversations: how a purchase or refinance fits goals like paying off the home, investing or retirement.
Randy is a loan officer with Primary Residential Mortgage, Inc. (PRMI), a direct lender that funds, underwrites and originates loans in-house. That means decisions get made under one roof instead of being passed between brokers and wholesalers.
Clients know Randy for his “Home Ownership 101” approach: he walks through the actual math, such as break-even points on a refinance, rent-versus-buy modeling and the long-term cost of a 30-year fixed versus a 15-year or an ARM.
What Clients Says about Us
What Randy does not do
Randy does not prepare your taxes or give tax advice for your specific return as part of your loan. He will point out where a tax question matters so you can confirm it with your own tax professional.
Who benefits most
- First-time buyers who want to understand every number before they commit.
- Move-up and jumbo buyers weighing down payment against liquidity.
- Homeowners deciding between a rate-and-term and a cash-out refinance.
- Investors looking at cash flow on a rental.
- Homeowners 62+ considering a reverse mortgage.
About Randy
Randy Spierings, CPA, MBA (Individual NMLS #217152), works with Colorado borrowers from 5650 Greenwood Plaza Blvd, Greenwood Village, CO 80111. Read more about Randy.
A Client's Experience
★★★★★
"Working with Mr. Spierings has been a fantastic experience. He is knowledgeable, responsive, encouraging and supportive. He is engaged throughout the whole process and brings a sense of ease. He is very professional and I highly recommend working with Mr. Spierings for anyone looking mortgage loans."
— Chasity McKinnon
★★★★★
"Randy is a true professional. The trust is here. Always a pleasure to work with. Honest, Reliable, Super Knowledgeable. Randy is always willing to go Above and Beyond to help our clients! The best of the best."
— Bill Maher
★★★★★
"Randy Spiering and Primary Residential Mortgage help Ruth and I refinance during Covid. He negotiated a 2.75% interest rate for us. This allowed us to enhance our use of funds. Thank you, Randy, and Crew. Incredible foresight."
— Joe Douglas
Frequently asked questions
Is Randy a licensed CPA?
Randy is a CPA with 30+ years of experience.
Will Randy do my taxes?
No. Randy’s role is your mortgage. He will flag tax-related questions so you can confirm them with your own tax professional.
Does working with a CPA cost more?
No. You get the same loan programs, with more time spent on the numbers behind your decision.
Who does Randy work with?
Colorado homebuyers and homeowners only, from the Greenwood Village office.
Have any questions? Don’t hesitate to reach us.
Committed to empowering you with the information needed to make confident, informed decisions about your mortgage. Feel free to reach out to us for personalized guidance and support tailored to your needs.
Talk it through with Randy
Ready to Get Started?
We’re dedicated to equipping you with all the information you need to make well-informed decisions about your mortgage. Don’t hesitate to contact us for personalized assistance tailored to your unique needs.
Randy Spierings NMLS #217152 | Primary Residential Mortgage, Inc. NMLS #3094. Equal Housing Lender. PRMI is licensed in Colorado through the Colorado Division of Real Estate. This is not a loan commitment or an offer to lend. Not all applicants will qualify. All loans are subject to credit approval and underwriting guidelines. Rates and terms are subject to change without notice.