About The Shelton Mortgage Team

Real Advice. More Options. Better Mortgages.

I’m Neil Shelton, a mortgage broker and the founder of Shelton Mortgage Team. I started this team for one simple reason: most homebuyers deserve better than a one-size-fits-all mortgage and a sales pitch they don’t understand.

We believe mortgages should be transparent, flexible, and built around real life, not just credit scores or lender quotas.

Why I Chose the Broker Model

Unlike banks or retail lenders, we’re not limited to one company’s loan products. As a mortgage broker, I work with 120+ lenders and investors, which allows me to:

Shop rates and programs on your behalf
Match you with the loan that best fits your goals
Offer more flexibility for unique situations
Advocate for you from application through closing

Simply put: more options usually mean better outcomes.

Who We Help

We work with buyers and homeowners in all stages of life, including:

First-time homebuyers
Growing families
Veterans and active-duty service members
Self-employed borrowers
Clients with less-than-perfect credit
Real estate investors

Whether your situation is straightforward or a little messy, we’ll help you make sense of it.

What It’s Like to Work With Us

Our approach is simple:

Education First - you’ll understand your options before making decisions
No Pressure - if a loan doesn’t make sense, we’ll tell you
Clear Communication - no disappearing acts
Long-Term Relationships - not just one transaction

Many of our clients come back for their next purchase or refinance, and that’s by design.

Where We Work

We are licensed in Colorado, Florida, Illinois, and Wisconsin, and proudly serve clients in 49 states across 17 different languages. No matter where you’re buying or refinancing, you’ll receive the same level of care and attention.

Ready to Talk?

Whether you’re buying your first home, refinancing, or just looking for honest advice, we’re here to help.

Have a Loan Estimate?

Let Us Review It.

Upload your Loan Estimate for a free review. If we can’t beat their offer, we’ll give you $500.* No pressure. No obligation. Just a second opinion that could save you thousands.

Our Guarantee (Explained Simply)

✅ We beat your offer if we can provide better loan terms on the same scenario
✅ “Better” means a lower rate, lower APR, lower fees, or lower payment
✅ No gimmicks, teaser rates, or hidden costs
✅ If we can’t beat it you get $500

Side-by-side comparison. No pressure. No credit impact.

*This offer is for informational comparison purposes only and does not constitute a commitment to lend. All loan programs are subject to underwriting approval, credit qualification, and program guidelines. Loan terms, rates, fees, and availability are subject to change. A valid, complete Loan Estimate issued within the past 14 days is required. Comparisons are based on the same loan scenario, including loan type, term, occupancy, credit profile, and lock period. $500 payment eligibility is limited to one per household and will be issued within 14 business days if Shelton Mortgage Team determines it cannot beat the submitted offer. Shelton Mortgage Team reserves the right to modify or discontinue this promotion at any time and to deny eligibility due to misrepresentation or abuse. See offer details & FAQs.