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Ready to Start
Your Homeownership Journey?
I'm Megan Your Mortgage Advisor.

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
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Megan Luksha

Sales Manager
mluksha@majormtg.net
NMLS# 184748
  • (970) 640-0417
642660180 megan luksha
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Ready to Start
Your Homeownership Journey?

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
cropped favicon.webp

Megan Luksha

Sales Manager
mluksha@majormtg.net
NMLS# 184748
  • (970) 640-0417
642660180 megan luksha
cropped favicon.webp
Garrett Harrison
Loan Officer/Construction Manager
gharrison@majormtg.net
NMLS# 1958816
  • (970) 433-6394
642660136 garrett harrison 6870 major mortgage home loans natural
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Casey Lester

Licensed Loan Processor
clester@majormtg.net
  • (970) 986-6008
642660123 casey lester 1

Why Choose the Megan & Garrett Team?

Our combination of professional expertise and personal investment experience sets us apart in the mortgage industry.

We don't just talk the talk; we walk the walk when it comes to real estate investment. This hands-on experience allows us to provide valuable insights and practical advice to our clients, whether they're first-time homebuyers or seasoned investors. With over a quarter-century of experience in mortgage origination, we have the skills and knowledge to guide you through the entire lending process, ensuring a smooth and successful transaction.

Our goal is to not only help you secure the best possible financing for your needs but also to educate and empower you to make informed decisions about your real estate investments. Let's work together to turn your homeownership dreams into reality or expand your real estate portfolio. Contact us today to start your journey towards financial success through smart real estate decisions.

Helpful resources and guides

Major Mortgage Buyers Guide

Download

Guide To Homeownership

Download

Roadmap To Buying A Home

Download

There are a lot of loan options – let’s find the right one for you.

Whether you're looking to buy, refinance, or grow your real estate portfolio, we've got you covered with the right loan products to fit your needs.
Home Purchase Loans
Refinance Rates
Rate Comparisons
Fast Funding
Evaluate Your Property
Cash-Out Refinance

Where Can We
Help You Thrive?

Are you looking to buy your first home? Need help managing your mortgage payment? Trying to figure out how to afford that renovation? Whatever your situation, we've got the answers.

The answers to all your
mortgage questions...

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

McWay Falls is an 80-foot-tall waterfall on the coast of Big Sur in central California that flows year-round from McWay Creek in Julia Pfeiffer Burns State Park, about 37 miles south of Carmel, into the Pacific Ocean. During high tide, it is a tidefall, a waterfall that empties directly into the ocean

A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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Company NMLS ID: 145502
@
2024

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Meet Megan

As a seasoned Mortgage Originator with 25 years of experience, I bring a wealth of knowledge and expertise to the table for all your home financing needs. My passion for real estate extends beyond my professional life, as I'm also an active investor with a diverse portfolio of multifamily and single-family rental properties, including short-term, mid-term, and long-term rentals.

Professional Expertise

Being self-employed, I have a unique understanding of the challenges and opportunities that come with non-traditional income streams. This insight allows me to excel in working with:

  • Self-employed borrowers
  • First-time homebuyers
  • Real estate investors

My extensive experience in the mortgage industry enables me to navigate complex financial situations and find tailored solutions for each client's specific needs.

Personal Background

As a Colorado native, I have deep roots in the community and a thorough understanding of the local real estate market. When I'm not helping clients achieve their homeownership dreams or managing my investment properties, you'll find me:

  • Exploring the great outdoors
  • Traveling to new destinations
  • Relaxing on the beach
  • Immersing myself in a good book