Mortgage Sales Manager

Chris Milbrath

Serving the Front Range

Office: (720) 652-7109
Email: [email protected]
NMLS: 306002

Chris Milbrath has built a career marked by ethics, integrity, backed by experience and based on a total commitment to customer service. With more than a decade of experience in the mortgage industry, commitment to provide the best customer service available have earned Chris loyal customer support as well as a strong referral base within the Real Estate Community. His Realtors know that Chris will put the best interests of their clients first. He is able to provide in-house loans along with in-house underwriting. This gives his clients options for out of the box circumstances.

Chris prides himself on his ability to analyze long and short term goals to make sure the mortgage program he designs for each person will be beneficial in every aspect. Chris enjoys running, mountain biking and skiing with his family and two dogs.

Scotsman Guide Top Originators logo 2026

Scotsman Guide Top Originator

Since 2010, Scotsman Guide has ranked thousands of the nation’s top-producing residential mortgage originators. The longevity, verification process and comprehensive scope of this list have positioned it as a benchmark for the mortgage industry.

NAMB - FHA Certification

Certified FHA Mortgage Professional

We are committed to providing high-quality and knowledgeable service regarding FHA and VA to our members.

Received Following Certification:

Certified FHA Mortgage Professional (CFMP)

NAMB - VA Certification

NAMB - VA Certification

We are committed to providing high-quality and knowledgeable service regarding FHA and VA to our members:

Recognition Received:

Certified Veterans Lending Specialist (CVLS)

We trust Chris Milbrath and his team to take good care of us and any friends we send their way.

— Victoria Beloy

Meet the Milbrath Team

Loan Officer Assistant

Anna Vintcarevich

(720) 562-4613 [email protected]
NMLS #1684444

Home Lending Resources

  • Information for Homeowners

    Escrow accounts, property taxes and homeowners insurance — we've got the resources and guidance you need to feel confident that you’re covered.

  • Mortgage Seminars

    Elevations' free monthly seminars along the Front Range cover a range of topics including buying your first home, home appraisals, investment properties, and more. We are committed to answering your questions, addressing concerns, and empowering you all along the way.

  • Mortgage Calculators

    Use our mortgage calculator to help get a better picture of what to expect with a new mortgage. You can estimate what your monthly payments might be and the total amount you will eventually pay for the property.

  • icon of tools in a toolbox

    Down Payment Resource

    Need down payment assistance? Down Payment Resource* can connect you with programs that can assist with down payments and closing costs.

Interested in learning more about an Elevations mortgage? Request a personalized loan proposal.

Request Loan Proposal

Let's talk mortgage loans

  • These mortgage loans have a rate and fixed principal and interest payment that stay the same throughout the lifetime of the loan. We offer fixed rate mortgages with 10, 15, 20, or 30 year terms. Consider this type of loan if:

    • You want consistent payments year after year
    • You are planning to stay in the home for a long period of time
    • You anticipate interest rates will rise

  • This mortgage loan closes in as quickly as 15 business days. No appraisal is needed with this product. Consider this type of loan if:

    • You want a no closing cost option
    • You are looking to close quickly on the property
    • Loan amounts up to $250,000
    • Refinance loans only

  • ARMs allow you to start with a lower rate than fixed-rate loans, but the rate can adjust up or down periodically. Elevations' ARMs start with an introductory term of 3, 5, 7, or 10 years. Consider this type of loan if:

    • You desire greater cash flow management options
    • You are planning to stay in the home for a short period of time
    • You expect your earnings to increase
    • You anticipate that interest rates will drop
    • You are confident you can handle higher payments if the rate increases

    3- and 5-year ARMs

    • Maximum of 2% initial rate change after introductory term
    • Maximum of 1% rate change every 6 months
    • Maximum of 5% total rate change over the life of the loan

    7 and 10-year ARMs

    • Maximum of 5% initial rate change after introductory term
    • Maximum of 1% rate change every 6 months
    • Maximum of 5% total rate change over the life of the loan

  • Elevations Interest-only ARM is an adjustable-rate mortgage that applies initial payments to the interest only for the first several years of the loan. Elevations interest-only loans start with an introductory term of 5, 7, or 10 years. Consider this type of loan if:

    • You desire greater cash flow management options
    • You are planning to stay in the home for a short period of time
    • You expect your earnings to increase
    • You anticipate that interest rates will drop
    • You are confident you can handle higher payments if the rate increases

    5-year interest-only ARM

    • Maximum of 2% initial rate change after introductory term
    • Maximum of 1% rate change every six months
    • Maximum of 5% total rate change over the life of the loan

    7 & 10-year interest-only ARMs

    • Maximum of 5% initial rate change after introductory term
    • Maximum of 1% rate change every six months
    • Maximum of 5% total rate change over the life of the loan

  • A Federal Housing Administration (FHA) loan is backed by private mortgage insurance (PMI), which is often paid by the borrower. In general, FHA-insured loans are easier to qualify for. Consider this type of loan if:

    • You are a first-time homebuyer
    • A lower down payment option fits your budget
    • You are just beginning to build your credit
    • Loan limit amounts vary by county

  • VA loans offer special benefits to veterans, active-duty service members, National Guard, and Reserve members and surviving spouses. Benefits include:

    • No down payment
    • No private mortgage insurance (PMI)
    • More competitive interest rates
    • Flexible credit criteria

  • The United States Department of Agriculture (USDA) offers home loans for real estate purchases in small cities and rural areas in Colorado.

  • If your dream house requires a loan amount higher than the conforming loan limit in your county, Elevations will work with you to find the best options for financing. We offer Fixed Rate and Adjustable Rate Jumbo Mortgages.

    Consider a Fixed Rate Jumbo Mortgage with 15, 20, or 30 year terms if:

    • You want consistent payments year after year
    • You are planning to stay in the home for a long period of time

    Consider an Adjustable Rate Jumbo Mortgage with 3, 5, 7, or 10 year terms if:

    • You desire greater cash flow management options
    • You are planning to stay in the home for a short period of time
    • You expect your earnings to increase
    • You anticipate that interest rates will drop
    • You are confident you can handle higher payments if the rate increases

  • If you have any questions about Home Equity, please read more.