Hi, I'm Eric.
I help Home buyers
Finance their home purchase
and reduce the payments  
of their loan terms
  • Acquire the perfect home in the perfect area.
  •  Achieve a smooth transaction with one of the top producing lending teams in the nation.
  •  Advance with confidence knowing that you're in good hands, and that you'll receive world class communication every step of the way.
Eric Kulbe, Loan Officer at Guild Mortgage Company in Denver Colorado. Click here to apply for pre-approval.
Starting Is Simple:
Step 1:
The first step in the home purchase process is becoming PRE-APPROVED. During this first phase, we take a snapshot of your income, assets, and liabilities, and use that data to tell you how much house you can actually afford. 
Approval is completely FREE, and there's no obligation involved. In this step, our team will craft the perfect plan for your scenario.
Step 2:
After you've become pre-approved, it's time to FIND A HOME, make an offer, and get under contract. For many, this is the most enjoyable part of the process. During this step, you'll use the Lender Letter that we provide to demonstrate that you have the funds to purchase the home. We'll even call the listing Agent for you to help your offer!
Step 3:
Finally, once you're under contract you'll want to LOCK YOUR RATE. This simply means that you'll solidify your loan terms, and that we are officially your lender. After you've 'locked', our team will contact you every week with an update on your loan status to ensure you're hitting the necessary deadlines, and doing everything you need to close on time.
The process of buying a home can be overwhelming at times, but you don’t need to go through it alone.

You may be wondering if now is a good time to buy a home…or if interest rates are projected to rise or fall. 

The free eGuide below will answer many common home purchase questions, and will help prepare you to purchase right when you're ready.
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What's happening in the Real Estate Market right now, and how market shifts might affect your goals.

What you need to know BEFORE you purchase a home to set yourself up for success.

What to expect in the process of buying a home, and how you can get the process started with ease.

 A Loan Can Be Simple.
Fast and Easy Pre-Approval?
One of the first steps to take as a potential home buyer is to get pre-approved for a loan. This step helps you discover just how much home you can afford. You should begin this process BEFORE you even start looking for a home.
Why Go With Guild?
Guild Mortgage has become one of the nations leading independent mortgage providers by following a simple rule -- doing what's right for our customers.

The Kulbe Team, located just south of Denver Colorado, specializes in residential home loans and delivers more than 420 loans on average each and every year -- ranking us as one of the top producing lending teams in the nation.

Eric Kulbe
Colorado Region Manager
Senior Loan Consultant

O: 720-746-4062
M: 303-717-0293
[email protected]
NMLS# 283875
Lic# 100018632

Company NMLS# 3274. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

An Equal Housing Lender An Equal Housing Lender ©Copyright 2016, Guild Mortgage Company
Corporate Address: Guild Mortgage Company, 5898 Copley Drive, San Diego, CA 92111

I am authorized to conduct business in the state of AZ & CO. AZ BK#0018883, AZ LO-0918563; LMB 100018632.