Name: Tom Ninness
Title: Vice President | NMLS#121842

Phone: 303-389-5716
Mobile :303-877-4111
Fax: 303-843-9203
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Tom Ninness has been in the mortgage industry for over 29 years and can help you with any questions or mortgage needs you may have. His expertise can strongly benefit you if you have a complicated or complex situation or loan. Tom has helped over 8,000 families secure their home loans. First time homebuyers and real estate investors are his specialty. Tom has personally developed and presented numerous workshops for first time homebuyers, real estate investors and real estate professionals. He has been a guest speaker for the Colorado Mortgage Brokers Association, many local Chamber of Commerce organizations and local businesses. Tom was a key speaker at Business Plan 2006 held in Las Vegas this past December. He is a recognized mortgage industry expert and is often quoted in The Denver Post. In addition to leading Your Mortgage Dream Team, Tom is also the Branch Manager for the Littleton office of Cherry Creek Mortgage Company.

Born in Ypsilanti, Michigan, Tom received a Bachelor of Science in education from Central Michigan University. Tom has been happily married for over 28 years and has three sons. He is very active in Rotary, his church, Praying Hands Ranch and Good News Jail and Prison Ministry. He has been a participant in Habitat for Humanity and has helped Home Building for the Poor in Juarez, Mexico.

Name: Chris Zadra
Title: Senior Loan Officer/ Partner | NMLS#257763

Phone: 303-389-5720
Mobile :303-910-1573
Fax: 303-223-9198
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A Colorado native, Chris Zadra has been in the mortgage industry for over 13 years. He helped develop the customer appreciation program of Your Mortgage Dream Team and set the operating procedures that help us approve and process your loan so rapidly. Chris' attention to detail and analytical focus will help ensure your loan will be approved on time. Chris also works with each of his clients to help them achieve their long and sort term goals. Ask him to show you how to be debt free in seven to ten years.

Chris is happily married and the proud parent of two daughters. He has attended Colorado State University and Metropolitan State University with a focus on business, accounting, finance and information systems. Chris enjoys spending time with his family, church activities, golf, and skiing.

Name: Aaron Ninness
Title: Loan Officer | NMLS# 256107

Phone: 303-389-5729
Mobile :303-908-2768
Fax: 303-223-9198
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Aaron is the transaction coordinator for Tom Ninness & Chris Zadra.  He is a license loan officer which means he can answer any question you might have during the lending process. 

Aaron resides in Parker, Colorado, and enjoys mountain biking, hiking, camping, and playing with his two cattle dogs.

Name: Rick Koble
Title: Loan Officer | NMLS #265290

Phone: 303-389-5709
Mobile :303-725-4035
Fax: 303-380-3433
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Rick is a leading expert in residential lending for homebuyers and homeowners. Providing solutions, guidance, and expertise are the foundation for helping his clients achieve their dreams of homeownership. Being an Ambassador for the Douglas Elbert Realtor Association is just one example of how Rick shares and acquires his knowledge through various organizations in the industry that he is affiliated with.

Originally from Devils Lake North Dakota, Rick moved to Colorado in 1992 after attending Minot State University and fulfilling his term in the Army which included serving in the Gulf war. Rick and his wife Laura along with four children have called Parker Colorado home since moving here. The Koble's spend a good portion of their time taking part in the great outdoor experiences that are uniquely Colorado.  

Name: Dave Marcus
Title: Loan Officer | NMLS #262338

Phone: 303-389-5712
Mobile :303-847-8852
Fax: 303-380-1878
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Dave has been involved in the Real Estate and Mortgage Industries for more than 10 years. He began his real estate career in Breckenridge Colorado, and after a few years decided to move back to his home town in New York to pursue a career in the mortgage industry. In 2007, Dave moved back to beautiful Colorado and joined Your Mortgage Dream Team and Cherry Creek Mortgage.

Dave prides himself on educating his clients. He is committed to ensuring that his clients understand all the details of their loan, and how to use their mortgage as a device to create wealth. For this reason, he requires that his clients meet face-to-face with him at the very beginning of the process.

Dave graduated from the University of Florida with a Bachelor's Degree in Business Administration. In Dave's free time he enjoys spending time with his three dogs (Sadye, Elvis and Monty), golfing, snowboarding, and playing ice hockey.

Name: Jim Ruth
Title: Loan Officer | NMLS# 265168

Phone: 303-389-5719
Mobile :720-323-7486
Fax: 303-843-9203
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Jim Ruth has been a loan consultant for almost a decade. He prides himself on his education and personal attention to serve his clients. Jim likes to treat his clients like they are his own family. He likes to work with customers to help them get a mortgage that will fit their short and long term goals. 

Jim is a graduate of Central Michigan University with a degree in Business Administration. He is actively involved in various community activities throughout Denver. Jim enjoys spending time with everything that colorful Colorado has to offer including hiking, skiing, and camping.

Name: Chris Magnotta
Title: Loan Officer | NMLS# 294506

Phone: 303-389-5710
Mobile :303-332-9911
Fax: 303-379-6437
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Chris lives near downtown Denver with his wife Sara and his newborn baby Lucia. He has lived in Denver all his life with the exception of his undergraduate work where he studied in Seattle WA, Carnforth England, and Schladming Austria. After obtaining his Bachelor's Degree in political science from Northwest University he went on to get a Master's degree in business administration and finance from the University of Colorado.

In his free time he enjoys soccer, hockey, mountain biking and snowboarding. Chris is very active in his church, HIV care link, and has traveled to the Dominican Republic each of the last 2 years working with a humanitarian foundation in the slum of 'Aguas Negras.'

Name: Kym Poladsky
Title: Senior Mortgage Consultant | NMLS# 257122

Phone: 303-389-5698
Mobile :303-668-6699
Fax: 303-770-0035
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With more than two decades as a Real Estate and Lending Professional in Denver, Kym Poladsky has developed a solid reputation for supporting borrowers and realtors in getting their transactions closed.

With knowledge and dedication - Kym will guide borrowers throughout the financing process. From choosing the best loan program to building the final underwriting package, Kym, is a seasoned professional who has built her business on satisfied customers. She reliably and enthusiastically helps real estate professionals focus on their strengths, while delivering quick closings to satisfied customers.

Kym has expertise in all areas of residential lending. Her clients have ranged from first time buyers to multi million dollar second home purchasers. Please call today to find out how Cherry Creek Mortgage and Kym Poladsky can benefit your next home finance transaction.

Name: Charlie Flohr
Title: Senior Mortgage Consultant | NMLS# 195823

Phone: 303-389-5747
Mobile :303-564-4053
Fax: 303-770-0035
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Name: Anne Cunningham
Title: Loan Officer

Phone: 303-389-5733
Mobile :720-289-9060
Fax: 303-770-0035
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Upon completing High School at St. Mary's Academy in Englewood, Anne headed off to the University of San Diego for college.  After graduating with a degree in History she returned to Denver and jumped into the Real Estate Market with Coldwell Banker in Cherry Creek as a sales associate.  After 8 years and gaining tremendous experience in the residential re-sale market with various real estate offices in Denver, on-site builder sales as well as residential leasing she changed course and entered the mortgage industry as a mortgage lender.

 

Lending is her true love where she enjoys consulting and educating both new and repeat clients thru the loan process.  After 17 years in the mortgage industry she is experienced in all types of lending; land loans, government loans, construction loans, conventional loans and more.  It is the variety and ever changing needs of people and their circumstances that keeps it exciting and fulfilling.

 

Having been born and raised in Denver, Anne enjoys spending her time outdoors.  Whether that is hanging out in the mountains, floating on Grand Lake, hiking along a river, camping or skiing, it is always a good size crew with her 3 kids, her husband Van and don't forget their beautiful bulldog "Pumpkin".