210 Hill St

"Kathryn’s associates were pleasant, helpful and their response time was quick"

"Kathryn was great with communicating with us all through the process. We didn’t find ourselves having to ask for info; Kathryn had it well lined out for us."

"Kathryn and her team were so helpful and made the loan process easy."

"Everyone is so helpful"

"Everything"

"Kathryn was a pleasure to work with. Timely, Professional and very Friendly!"

"They are super professional and give educated great advice! The best mortage team ever"

"The team was quick, responsive and excellent communicators!"

"Kathryn and her team were AMAZING! They made our mortgage process so easy and were always available for any questions we had. We were lucky to have them on our side and will definitely use them again. 10/10!!"

"Kathryn and her team were a dream to work with. They made everything very easy and we’re very responsive when I had a question."

"Kathryn and her team are simply amazing! We found a home in Steamboat unexpectedly and she was referred to us by a friend. Kathyrn and her team quickly pulled together everything for our bid and within 5 days the home was ours!! I really can't say enough about how pleased and happy we are with Kathryn--SO professional and courteous!!"

"Kathryn and her team are simply amazing! We found a home in Steamboat unexpectedly and she was referred to us by a friend. Kathyrn and her team quickly pulled together everything for our bid and within 5 days the home was ours!! I really can't say enough about how pleased and happy we are with Kathryn--SO professional and courteous!!"

"Katie Lazar and accessibility to everyone at Fidelity Mortgage"

"Kathryn's team is very attentive. Their work is thorough and timely. My questions were answered swiftly. I appreciate them!"

"Kathryn is the absolute best! She makes the whole mortgage process so comfortable and easy. I will definitely work with her again!"

"Very easy to work with."

"Kathryn and her team made the entire process so easy. This was my first home purchase and it couldn't have gone smoother."

"I received great help manipulating the portal to provide necessary information for the loan. Response to requests for pre-approval for offers was always timely."

"Constant communication. Prompt and helpful responses to questions. Easy platform to submit documents. Appreciated staff members time to explain questions we had in a friendly way."

"The fast response time, prioritizing processing my loan, and following the complexity of my situation without ever missing a beat!"

"Kathryn and her team were very comfortable to work with. They're extremely communicative and made huge strides to keep us updated and aware of every step. With us being first time home buyers I'm sure we were a bit of a pain with questions but team never made us feel like we were a bother. Every need was communicated and when we had an obstacle to overcome we work through it together. We never feel alone in this process. We cannot think this team enough!!"

"So quick and easy great to do business with"

"Very attentive..professional... Easy to work with"

"Kathryn and her team were very responsive and helpful throughout the entire process. They worked with me as I improved my credit which resulted in better rates and terms."

"Kathryn went the extra mile for us when it was needed so we could close on time."

"The friendly, knowledgeable people we worked with made this a positive experience. Both Kathryn and Katie were always available whenever we had questions or concerns. We would definitely use their services again."

"I really appreciate all the support I received from Katie and Judy! Thank you!!"

"We were updated every step of the way, they made the whole experience easy and as stress free as possible."

"Thanks so much for everything!"

"Kathryn and her team were extremely professional and knowledgeable, supportive throughout the whole home-buying process. Thank you so much! We would absolutely recommend for future clients."

"Went smoothly"

"Communication was outstanding. Katheryn and Katie checked in with me when I had questions about documents that needed to be submitted. They helped organize my financial info as a Sole proprietor to ensure there was no confusion with the review of my documents for loan approval."

"Kathryn was always quick and easy to communicate with. She goes above and a beyond to stay in touch and keep you informed along the whole loan process."

"Kathryn was always quick and easy to communicate with. She goes above and a beyond to stay in touch and keep you informed along the whole loan process."

"Refinancing with you guys was amazing all around! Friendly, Communication and just letting me know upfront what I need to do/have that might help with the process. Thank you so much!!"

"Everything! Attention to detail, organization, communication was great, and follow through. Made it very seamless!"

"Other than my e-signing papers, all communication was with my wife, Tammie. I should never have been sent this computer-generated survey. Surveying HER would've made my experience better. ED"

"Kathryn is wonderful and walked us through the process. She o owns her stuff and is great to work with!"

"Kathryn makes the process of purchasing a home to refinancing seamless. I would highly recommend Kathryn for all your home financing needs."

"The level of assistance I received from the entire team was outstanding. Thank you all very much!"

"Friendly and professional"

"Everything was done so quickly and they made it so easy for us to add documents. They also communicated all the things the needed from us and reminded us when documents were due."

"She was easy to work with. Thanks!"

"How easy the whole process was and how Kathryn and her team went above and beyond to help us achieve our goal"

"Help, requests, and information were always timely and pleasant."

"We have done several loans with Kathryn and have been very pleased with all of those experiences. However, this time was different. We had underwriting difficulty over something completely ridiculous which has never come up on the previous 3 loans done with you. We felt that we had to fight for ourselves to get our loan approved before just taking it to management and we’re seriously stressed out over it as we up against our loan deadline that we weren’t sure we could get extended. And then the closing disclosure also was a bit of an ordeal with costs not being added that needed to be on there and then having to frantically get a final one signed while out of town. Overall, it was the most stressful part of the home buying process, which was not the case in previous loans done with you."

"Excellent communication! I always knew where things were at and what the next steps were. I love the portal as well - it makes it so easy to upload documents!"

"You made the closing date you were shooting for. Everyone was professional and after working with Amerisave for a bit you made them look pretty bad."

"Immediate replies when we had questions, lots of great info up front."

"Went very smoothly and completed in a timely manner."

"Katheryn and all the employees at Fidelity Mortgage were so helpful! They communicated very well and were so patient with all of our first time home buyer’s questions."

"Kathryn and her team were extremely helpful and understanding during a difficult process."

"I have worked with Kathryn on both a first time home purchase and now several years later a refinance. I can't say enough about how great it has been to have Bay equity and Fidelity help navigate me through these processes. Everything is made very easy on the borrower - from submitting documents to understanding numbers and the nuisances , Kathryn runs a very professional and organized business. She was always so available to answer any questions by email or phone. I wouldn't hesitate to use Fidelity for any of my future financing needs. Thanks again Kathryn!"

"Very knowledgeable staff and they made the whole process very easy and seamless."

"Thanks for being so responsive and attentive to my refinance. Everything was easy to understand and all the required documents were very easy to submit on the online portal. Thanks so much for everything!"

"I have worked with Kathryn on both a first time home purchase and now several years later a refinance. I can't say enough about how great it has been to have Bay equity and Fidelity help navigate me through these processes. Everything is made very easy on the borrower - from submitting documents to understanding numbers and the nuisances , Kathryn runs a very professional and organized business. She was always so available to answer any questions by email or phone. I wouldn't hesitate to use Fidelity for any of my future financing needs. Thanks again Kathryn!"

"I genuinely appreciate how hard working Kathryn and her team are, they worked extremely fast and handled hiccups with grace!!"

"Easy portal to navigate, Very friendly and efficient staff."

"Very responsive."

"Communication!!!!! "Required" documentation would just show up in my portal without anyone talking with me about them. Sometimes with really short time lines. I jumped through hoops to get these "needed" documents only to find out that some weren't really needed after all. There were too many people involved and getting ahold of the right person at the right time was challenging. No one told me about delayed funding after closing. I signed my documents on Monday - expecting it to fund and wasn't funded until Friday. Overall, it was a disappointing experience. At the end of the day - I did get my mortgage done."

"The ease of the process"

"Timely and helpful every step of the way."

"Great communication, Kathryn and the team answered all of my questions and made the process seamless. Step by step all the details were taken care of and the process went smoothly. This is my second time working with Kathryn and each time her professional expertise has shown through. Many thanks for all your hard work!"

"Great communication, you and your team were easy to get a hold of and answered any of my questions readily. Step by step all the details were taken care of and the process went smoothly. Many thanks for all your hard work!"

"Great communication, Kathryn and the team answered all of my questions and made the process seamless. Step by step all the details were taken care of and the process went smoothly. This is my second time working with Kathryn and each time her professional expertise has shown through. Many thanks for all your hard work!"

"Everything was pleasant and very timely."

"Everyone we dealt with was very personable & professional."

"Streamlined, easy and informative. I love the videos with Kathryn explaining next steps, they were super helpful for us to understand the whole process better. She was quick to reply and was able to help with all our questions."

"Several of our friends worked with Kathryn and highly recommended Kathryn as our lender. She and her staff were extremely knowledgeable and attentive to our needs. They found us a loan that we were very comfortable with and communicated quickly with us whenever we had even the smallest question. They really held our hand through our home buying process. We are so grateful!!"

"Whole team was awesome, walked us through everything and always available and helpful."

"Kathryn, helped us with right loan for our needs in a timely manner. Michael and Elizabeth"

"All the people! Katie L and Judy were unbelievable. Particular shout out to Katie L! You guys are great. Thank you so much..."

"Everything was very smooth and we knew what was happening each step of the way."

"The level of courtesy with which we were treated and the endless patience and creativity of every person on staff make working with Kathryn Pederson and her team a no brained. We won’t go anywhere else for our home loan needs."

"Quick and easy!"

"Clear communication, ease of process, genuine people."

"Kathryn and her whole team worked hard to get us approved. From start to finish they helped us along the way and gave us all of the attention and time we needed. Highly recommend them!"

"Always friendly and willing to answer my questions!"

"Kathryn and Katie were very helpful, patient, kind and punctual. I really appreciate their professionalism and knowledge in their field!"

"Communication, availability and advice. Their professionalism and kindness together made it a truly wonderful experience."

"Friendly staff and excellent service!"

"Great customer service"

"With our history of self-employment, we weren't sure we could get a home loan and figured it would be an extremely cumbersome and stressful process if we could. Kathryn and her team assured us that we could and made it 100x easier than we thought it would be. She also gave us some great local knowledge. We're so grateful we were referred to her and would 100% recommend!"

"The power-team at Steamboat's Fidelity Mortgage, under the helm of Kathryn Pederson, went above and beyond expectation to insure that our refinance experience was smooth and successful! We always felt like every detail was being managed to the Nth degree, and we were in good hands - all done with a smile and a positive attitude. This is the 2nd time we've used Pederson and her team, and we recommend them to all our friends! CHEERS!"

"These ladies went above and beyond to make sure our refinance experience was smooth, and successful!"

"Kathryn and the rest of the team were a pleasure to work with. They made the process easy, something I have not said much about any of my previous loan experiences."

"Kathryn was friendly and professional. She answered all my questions in a timely manner. The whole team helped me go through the loan process. I also felt the website used to upload documents was very user friendly & helped me keep everything organized."

"The power-team at Steamboat's Fidelity Mortgage, under the helm of Kathryn Pederson, went above and beyond expectation to insure that our refinance experience was smooth and successful! We always felt like every detail was being managed to the Nth degree, and we were in good hands - all done with a smile and a positive attitude. This is the 2nd time we've used Pederson and her team, and we recommend them to all our friends! CHEERS!"

"Kathryn and her team at Bay Equity in Steamboat Springs represented everything you would want in a lender. Excellent communication, great inter-personal skills, always there to answer a question and were always our advocate. They landed us a loan with a great interest rate through a smooth and easy process. We are very thankful to have had the opportunity to work with them."

"Buying a home can be a complicated process, but with the help of Kathryn and her team, in particular Katie Lazar, our process was smooth, predictable, and relatively easy. The team were excellent communicators and always there to answer any of our questions. We had zero problems along the way and I credit Kathryn and her team for making it so easy. Thank you much!"

"Kathryn and the rest of the team were a pleasure to work with. They made the process easy, something I have not said much about any of my previous loan experiences."

"Kathryn and her team at Bay Equity in Steamboat Springs represented everything you would want in a lender. Excellent communication, great inter-personal skills, always there to answer a question and were always our advocate. They landed us a loan with a great interest rate through a smooth and easy process. We are very thankful to have had the opportunity to work with them."

"Kathryn and her team are super friendly. They are quick to respond to any questions you have. The team at Bay Equity is very clear on letting you know what kind of documents you need to send them and when."

"Kathryn and her team are super friendly. Whenever you have a question they’re great about getting a timely and clear response."

"Kathryn and her team are super friendly. They are quick to respond to any questions you have. The team at Bay Equity is very clear on letting you know what kind of documents you need to send them and when."

"Kathryn and her team were fantastic at communicating and getting us through the mortgage process as first time home buyers."

"Kathryn, Katie and there team are amazing. From Start to finish was easy and quick! They answered my questions quickly and there system to complete the process is streamline. I’ve used them 3 times now and will never use anyone else!!"

"Quick communication and always answered all my questions thoroughly! Love the Floify system!"

"Kathryn, Katie and there team are amazing. From Start to finish was easy and quick! They answered my questions quickly and there system to complete the process is streamline. I’ve used them 3 times now and will never use anyone else!!"

"Direct and honest communication. Kathryn was always authentic and genuine. I appreciated the personal touches (ie. Congratulatory card via mail). Thank you for making my first home purchase such a smooth experience!"

"We had a great experience working with Kathryn. Received a lot of good information throughout the process. They have an easy to use online system, helpful videos, text updates and are always available to answer questions. They were even able to close on our loan a week early to save us spending another week in a hotel!"

"These ladies were amazing and made the job of buying a home seem so easy. I recommended them to a friend who is buying a home and she said the ladies have been just as amazing for her, as well."

"This was our second time working with Kathryn and it was great. She and her team made the refinancing process quick and easy."

"Seamless process"

"Kind demeanor, quick responses and clear communication."

"Kathryn and her team were very diligent in working with us to make sure the closing got done. Everything went smoothly, start to finish... no suprise’s."

"Kathryn and her team were very responsive, efficient and friendly throughout the whole loan application and closing process."

"Top notch service. Very responsive. Highly recommend."

"Awesome experience"

"Kathryn and her team made our refinance as quick and easy as possible! If I had a question, there was always a prompt response! I would highly recommend her!"

"Kathryn made our buying experience extremely easy."

"Your Guys are The Very Best"

"I think Katie works 24 hours a day. Thanks for all of your help."

"Working with Kathryn, Katie and her team made our process super easy and stress-free. Thanks again ladies!"

"Kathryn and her team are the best!! Would definitely do business with them again!!!"

"Kathryn Pederson and her team have been so helpful this is my third time using her company. I feel the staff treats you like family and that means a lot! I will sincerely recommend them to anyone I know plant to buy in Steamboat Springs! Tina Pierson"

"The team was very thorough and easy to reach and communicate."

"Kathryn and her team kept us continually updated. They pushed to get everything done for our closing date."

"Kathryn and Katie were very friendly, responsive and informative during the entire process."

"Great experience!!"

"The team's good communication made this purchase go well!"

"Kathryn is the best! The entire process was simple, streamlined and her team was in contact with us every step of the way."

"Everyone was very helpful, pleasant and informative. The process was efficient and painless. There is no better group to work with. I would recommend this group to anyone. They are great!"

"Everyone was very helpful, pleasant and informative. The process was efficient and painless. There is no better group to work with. I would recommend this group to anyone. They are great!"

"Everyone was very helpful, pleasant and informative. The process was efficient and painless. There is no better group to work with. I would recommend this group to anyone. They are great!"

"Quick, clear service was nice. The portal for info upload made things easy ."

"Katheryn was professional and got everything completed in an extremely timely manner. Home buying was a straight forward easy experience with Katheryn."

"The ease of working with Kathryn and her team was excellent, They were always available and answered all of my questions in a professional manner."

"Wow! Such a seamless process. Kathryn and her team were a pleasure to do business with. Highly recommended. Scott and Kristy"

"Kathryn and her team were amazing! Our refinance was seamless thanks to them. They were always available to answer a question with a happy and pleasant demeanor. We would sincerely recommend them!"

"Very organized with quick responses"

"Great and easy to work with"

"Timely, perfect customer service."

"The response time from your team was amazing. Anytime I had a question they would respond right away with an answer. Great communication"

"Everybody at Kathryn's office is friendly and beyond helpful."

"Kathryn and her team were partners with us as we went through our loan process. They explained everything and even put up with all of my questions. When we were at our closing we knew exactly what to expect and it was nice to feel like we were in charge."

"Being a first time home buyer is stressful enough as is! You guys made this process so awesome and so easy to do. We loved working with you guys!"

"Katie made things happen in a short time frame and constant communication as the steps were completed!"

"Kathryn and her team made our refinance very easy. Communication was great every step of the way. We highly recommend her no matter where you live in the state."

"Kathryn and her team made our refinance so easy, timely, responsive and affordable. Alway available for phone calls and their email response was impressive. I would highly recommend them no matter where you live."

"Kathryn and her team were great! Great communication and process to get us refinanced and into a program that works for us and saves us money! Thank you again for all the great work!"

"Great communication and easy process!"

"Kathryn was easy to talk to, honest, and spot on with every estimate she gave us for payments. We trust her and so did our real estate agent."

"Kathryn and her team made our refinance very easy. Communication was great every step of the way. We highly recommend her no matter where you live in the state."

"Kathryn and her team were great! Great communication and process to get us refinanced and into a program that works for us and saves us money! Thank you again for all the great work!"

"Kathryn and her team were the epitome of professional. Always on top of paperwork and deadlines making the loan process a breeze. Cannot recommend her high enough!"

"My wife and I got both our original home loan and our refi through Kathryn. She was so helpful in both cases, and we are very pleased with the results. We're first-time homeowners, so having a relationship with someone we could trust was paramount. We shopped around for rates with some larger national competitors, but in the end we chose Kathryn because we wanted that local trust factor. She made the whole process less stressful - even fun! I highly recommend her for your next home loan or refi."

"Katie and Kathryn are a terrific team. They estimated a price refinancing was going to cost us. They worked hard to make the refinancing possible and completed the process under the estimated amount. They are professional, kept us informed along the way, and were very efficient with our time. If I could give 10 stars I would."

"The dedication of the entire team."

"Katie and Kathryn are a terrific team. They estimated a price refinancing was going to cost us. They worked hard to make the refinancing possible and completed the process under the estimated amount. They are professional, kept us informed along the way, and were very efficient with our time. If I could give 10 stars I would."

"Katie was our manager and she did an excellent job. She kept us informed. She explained everything ahead of time. She was always on top of the situation, locking us into a great rate before the rates started rising. She was professional, courteous, and went out of her way to make this process pain free. I know, whoever heard of refinancing being pain-free? But it was. She never told us anything that was not accurate. Definitely, 5-star service. I would give them 10 stars if I could."

"The closing went quickly. Kathryn was very helpful, friendly, and professional. Katie too. The site to upload documents made it easy and convenient. All went very smooth. Thanks Kathryn and team!"

"Fantastic, would recommend"

"Kathryn and her team were awesome. They answered our questions in a timely manner and they followed up with us when they needed us to provide more details."

"Kathryn is uber knowledgeable, hard working, and ever eager to please. She and her team make what should be a laborious process - like refinancing a home - easy and enjoyable."

"Kathryn and her team were very supportive and accommodating throughout the whole home searching and lending process. They answered all my questions in a timely matter and always expressed they were available for any of my mortgage needs. Not to mention how happy and smiley they always were! I am very grateful they were recommended to me. Thank you!"

"Being nervous about this process, I was able to receive information and prompt response to my questions. There was a live person on the other end of the telephone, which is comforting. The portal made it easy to send my information that was necessary."

"It was a comforting experience dealing with all the ladies involved to help me navigate this re-finance. They didn't shy away from the challenge and made me feel confident in the process and their experience. I highly recommend Kathryn and her team."

"You made a complicated process as easy as I believe is possible, while maintaining a friendly, pleasant and patient attitude throughout the endeavor. You welcomed questions and never made them seem like an imposition. Overall- you were very knowledgeable and provided professional services and great customer service from a unique perspective, i.e. your customer's!"

"The staff took us through the process without any delays. We will definitely use them again should the need arise."

"As a first time home buyer the entire process seemed extremely terrifying and nothing short of overwhelming. Luckily, Kathryn and her team were there to help us every step of the way and it made our lives so much easier. Every question we had they answered almost immediately and they did an unbelievable job of making sure we understood what was happening every step of the way. Heritage Title said it best at closing: "Kathryn and her team are the best in town!""

"Everyone in Kathryn's office was very friendly to work with and answered all of my questions. I appreciate that the team was able to accommodate my personal schedule and work with me when I was truly available."

"Simple and organized process combined with personalized service."

"We love working with Kathryn and her team. They have helped us with multiple purchases and given us such great advice over the years!"

"Kathryn was professional, personable and efficient. Will certainly recommend her to friends should the occasion arise."

"Kathryn and her team made the entire process seamless. They are true professionals and a team you can trust to put your interests first."

"Working with me Bay Equity was a great experience. They were so helpful and efficient, I would recommend them 100%!"

"Kathryn & Katie are always personable, professional, and knowledgable, always available to help and explain whenever we needed it."

"They were there every step of the way."

"This was our second time working with Kathryn and her team. Great communication. All went according to initial timeline. Genuinely sincere people to work with. And we got a great rate."

"I've been working with Kathryn for several years. She is an absolute joy to work with. Very responsive. Actually 7 x 24. Plus amazing follow-up. Great online tools for processing a loan. Plus simple and easy."

"Communication!"

"Kathryn was approachable, knowledgeable and professional. We had a super-smooth experience."

"I would have liked to have communication with Kathryn instead of a lot of people I don't know. That is why I went to her. Judy was great, and Katie was nice, but the amount of paperwork was absurd. As soon as I supplied what they wanted and implied was the end of the paper work, there were 4 more things that they wanted. I was getting emails from 4 different people and it when it seemed that we were getting close to the end, one person didn't know what the other person had resolved."

"Kathryn is a joy to work with. The process was simple, easy and professional. The follow-up and follow-thru was amazing. Kathryn and her staff are always available, 7 x 24."

"Kathryn's team truly seems to have my best interests in mind, and are always available promptly. I feel like an individual, not a number there."

"Kathryn and her team are the absolute best to work with. They are extremely knowledgeable, friendly, and organized."

"Clear and informative communication, friendliness and prompt response made our home buying experience great!"

"They made refinancing a home fun and easy."

"Kathryn and Katie were so supportive and helpful through the mortgage process from day one till the end. I had a unique situation and they worked very hard to make ends meet for me. They are both incredibly kind, compassionate and knowledgeable. I cant recommend them enough!"

"As always, Kathryn and her team were responsive from the first call, helped analyze different mortgage structures, and provided guidance related to finding competitive rates to meet our family's financial goals. I have and will continue to refer anyone who asks to contact Kathryn and her team if they are looking for home loan needs."

"This is the second time we have used fidelity for a mortgage and everyone in the office has been so helpful. Things felt seamless. We recommend all of our friends to work with you guys!"

"Everything went smooth. Judy is the best. Always happy and very helpful."

"Kathryn did a great job of walking us through the mortgage process as first-time buyers. There was a lot of information to cover and Kathryn did a great job breaking it up into manageable chunks so it never seemed too overwhelming. I would be happy to work with her again in the future and would absolutely recommend her to friends, especially first-timers like us."

"We were first time home buyers and did not know much about the process. Kathryn was so patient with us - making sure we understood each step of the process before we moved onto the next one. We want to give a shoutout to Katie Lazar! She was so helpful and attentive with explaining all the weird intricacies of home loans and ownership with us. Neither of them ever made us feel dumb or silly for asking questions and/or needing clarification during the process which was important to us as newbies!"

"We were first time homebuyers and Kathryn and her team made the process so much more understandable! They were patient, very easy to reach and communicate with, and were always willing to go the extra mile! We really felt like they were on our team and working with us. Thank you!"

"Kathryn was just so patient and helpful with us first time home buyers. She always was there when we needed her and answered every question we had in a timely manner. I will recommend her to everyone I know."

"Your customer service was exceptional. During Covid, this experience was actually pretty simple and easy."

"Clear and timely communication. Extremely clean and easy underwriting process. Really felt the whole team was working hard for me throughout the whole process."

"Kathryn has helped us with the purchase of our condo in 2014, the with the purchase of our house in 2018 and now with our refinance in 2020. Kathryn and her team have always been great to work with making the process smooth and simple. I highly recommend her and her team and will continue to work with her in the future."

"Super helpful. Made the process very easy"

"Kathryn and her team worked hard to get us the best rate, and the best timing to refinance. They were available to ask any and all questions and explain every step of the process along the way."

"Always helpful, knowledgeable and available with any questions and concerns. This team makes the loan process seem like a breeze, whether it be a new purchase or a refinance, in which we have done both in the last 3 1/2 years. Thanks again! 😊🤘🏼"

"Kathryn spent lots of time answering our questions regarding our multiple options. Once we made our decision to refi, her team was also excellent in helping us through the process and answering our multiple questions promptly throughout the process. The refi process was fast and easy with Kathryn and her team. Thank you!"

"Kathryn and her staff are intelligent, compassionate, and experts at navigating the tricky loan process. No question is too small, and they respond within 24 hours to all inquiries to make sure you have the most up to date information possible. Highly recommend!"

"The difference is that Kathryn doesn’t take you on as a client. She takes you on as family. She will go above and beyond to make sure you get what you need and she is fast and efficient. Business is secondary and your satisfaction comes first. Thank you Kathryn."

"Very personable service. Also she was very helpful in notifying us and explaining everything so anybody can understand"

"X"

"2nd time we have worked with Kathryn on a closing ! Went very smoothly and quick!"

"Kathryn and her team were enjoyable to work with. What could be a stressful process (refinancing) was made smooth and easy with the online filing and support from Kathryn."

"Kathryn and her team, in particular,Katie, were always willing to talk and answer questions... and we had many. We purchased a new build, so there were delays based on the building schedule. Kathryn and Katie made sure we had all the details taken care of and often emailed or called in the evening if there was something that needed our attention quickly. The entire team deserves 5/5 stars!!!"

"Made the process much easier than what I expected, answered every questions with full detail."

"Great personal experience from our initial pre-qualification to our home closure. We couldn't be happier in our new home."

"Thanks for making everything simple and straight forward, and above all, saving my family hundreds of dollars per month! Thank you!!"

"From start to the finish of the process Katheryn and her team were awesome . Picking up our loan after another lender left us hanging their team made our loan happen . Any and all questions we had were answered in a timely manner."

"Were able to get us into our first home! Thanks for all that you do"

"Kathryn is very knowledgeable and she made the process very easy."

"As a first time home buyer, the process was was intimidating and totally new to me.. Kathryn and her team walked me through everything. They we’re all very patient, and we’re able to answers all of my questions in a way that let me understand. I am planning on using Kathryn in the future and referring any of my friends who need help!"

"Kathryn and the team made refinancing (also while during pandemic) easy. Their technology provided in-depth detail of varying refinance options while also providing platform for easy uploading of documents and their communication was clear and kept everything on track. Plus everyone is super friendly and pleasant. Overall is was a simple and delightful experience with a final result of saving money."

"You are like working with family - I would not go anywhere else!"

"Friendly, easy to work with, and always kept us up to speed on what we needed to do and when!"

"Because of covid 19, in person will be better communicated."

"I knew that Kathryn and her team are the best to work with from a real estate agent standpoint, now I know that they are a dream to work with as a buyer too!"

"Communication is on point, concise and prompt. Kathryn and her team take the time to walk through all of your options, helping you make the best decision for you! Awesome team!"

"As a first time home buyer, Kathryn and her team took the time to explain everything to me and answer any question I had."

"Everything was super easy and smooth and timely."

"Easy and simple. Everyone let us know what to do via the emails and website. Not much effort on our part which helped us alot. Thanks! Connie and Rich Brown"

"Kathryn and her team are wonderful! They are kind and passionate people and an asset to the community. They are very knowledgeable and helpful making your home buying experience truly enjoyable. You are in good hands!"

"Kathryn and her team made the entire loan process very easy. They communicated clearly everything they needed from us and explained all of our questions we had. They were awesome."

"Kathryn and Katie were so helpful making our refinance very easy. Kathryn helped me buy my condo in 2011, buy a house in 2016 and now refinance our mortgage. I would highly recommend Kathryn and her team!!"

"Not sure if this is the norm, but seems like I had to work with too many different people during the course of the approval. Didn't love the urgency I felt to quickly sign important documents after normal business hours and weekends. I understand there are probably a lot of people refinancing right now so some of this is probably due to that."

"Kathryn and team were always available and very responsive throughout the process. In addition, they were all very knowledgeable and great to work with."

"Staff were extremely competent and responsive in expediting the ReFi!"

"Good communication and good rates even in a very busy and challenging time."

"Even during the COVID pandemic Kathryn and her team made sure we were completely taken care of, constantly updated on our loan status, and went and above and beyond in their customer service."

"So easy and quick to respond! Made the process truly painless."

"Kathryn always goes above and beyond for us.!"

"We were referred to Kathryn Pedersen to help us with purchasing our home three years ago. That experience was great and relatively stress free. Kathryn kept in touch with us periodically over the next three years and helped us understand that refinancing at this current time would be beneficial and appropriate. We decided to go through the process and everything worked out great! We were able to loss our PMI and our new mortgage payment saved us a substantial amount of money which is also great!"

"Extremely professional consistent communication which is so important when your up against closing deadlines. Much thanks to Kathryn and her team for making a pain in the ass process relatively simple!"

"Great advice, constant communication, waited for the best rate."

"NA"

"Na"

"Kathryn is very knowledgeable and my experience was smooth sailing!"

"Great experience with a professional team. Extremely satisfied and learned a lot along the way."

"Kathryn and her staff answered every question quickly, they r so friendly and always made me feel comfortable with decisions."

"Everyone was very nice and professional with the refinancing of our home. This is the second time we have done this with Kathleen and think she and her entire staff are great."

"Super on top of things, very responsive and available for any questions- great team!"

"We funded our original mortgage 7 years ago with Kathryn and just finished the refi process with her and her team of professionals. Couldn’t be happier with the results. I learned a lot about the process and cleaned my credit up a little bit along the way."

"We used Kathryn Pedersen and team for our initial home purchase and now for our refinance. Love how we were top priority whenever we had questions. The process went very smoothly."

"Everything was easy and the communication on what needed to be completed was clear and easy to understand. Any time I had a question it was answered quickly. Kathryn, Katie, and everyone we worked with were outstanding! Thank you for making our refinance an easy process!"

"Everything was very easy to do...like submitting all the paperwork on the portal (which was very easy to use). Quick responses from Kathryn and her staff!!!"

"Quick response to any questions or issues that came up. Great, responsive staff!"

"It was incredibly convenient to use the floify online system to upload all documents. We had prompt responses and our refinance was so easy!"

"Really helpful in guiding us through what can be a very confusing and complicated process."

"Easy, straightforward, and to the point. Plus everything done electronically which makes it easy for busy families like mine. Thanks!"

"Kathryn is incredible. She is helpful, knowledgeable and reliable. I wouldn’t want to do a loan with anyone else!!"

"This is the second loan we've worked on with Kathryn and her team - they are incredible. They always take the time to explain the process, answer our questions, and do everything to ensure the process is smooth and painless."

"Kathryn worked day and night to ensure our transaction went through smoothly."

"Kathryn and Katie were awesome to work. The online loan process was easy and streamlined. Thanks for making this a painless experience!"

"We were communicated with frequently. Questions we had were answered thoroughly and quickly."

"Kathryn and her team were so responsive and helpful throughout the entire process! As first time home buyers we were never short on questions and everyone we worked with was incredibly patient and thorough. Can't thank them enough!"

"Kathryn was very responsive and available for any questions. Kathryn took care of everything to make the process and easy, streamlined and as painless as possible ."

"Very professional and helpful team. Treated us like they truly care about us and our future. We weren't just a number."

"All went well and according to plan."

"Our second closing with Kathryn, both went flawlessly."

"Kathryn and her team were always there for us during this refinancing process and never missed a beat. I was surprised how easy this was to accomplish. Kathryn helped us 12 years ago with our initial construction loan when we built our house, which also went very well. I would give them the highest recommendation!"

"This could have been a very stressful experience however the team helped to keep me focused and positive. I had options presented I would have never known about without their assistance."

"The entire process of refinancing our home with Katherine went seamlessly and the communication level was excellent despite the restrictions of COVID-19. We were able to do most of this process online, including signatures. I would highly recommend her for refinancing a home."

"From the initial interview where Kathryn examined our needs and counseled us as to the preferred direction to signing of all the needed documents to closing we felt the process was transparent, easy and worry free. We felt comfortable that if we had any questions Kathryn, or her team, were available and ready to help i any way."

"Great team to work with, very organized and helpful!"

"Kathryn and the whole team we’re professional, responsive, and flawless"

"Kathryn was the easiest part of our hike buying experience. As first time buyers we had many questions, Kathryn and her team were always available to help us! Communication was quick and easy and we always felt supported!"

"This is our second time working with Kathryn and her staff. Very easy to work with and communicative. Easy to get documents to them and they are always available with questions or concerns. Plus they have very competitive rates."

"Kathryn and her team make it super easy to navigate the mortgage/ refinance process—available by text, email, phone or in-person and very professional and helpful!"

"Kathryn and her team make it super easy to navigate the mortgage/ refinance process—available by text, email, phone or in-person and very professional and helpful!"

"Kathryn was pleasant to work with on my new mortgage and the real estate office in Steamboat Springs was able to very quickly copy 200 pages of tax documents necessary to proceed with my mortgage. The communication was clear and it was easy to know what was happening during the process"

"Kathryn's team was great at communicating throughout the process. Kathryn made the pre-approval and closing processes pleasant and easy."

"Kathryn did what two other bankers couldn't do: got us into a house. Throughout the process she provided useful expertise, was available via email for quick questions and was able to anticipate and solve possible issues with my student loans."

"Thanks!"

"The team was very professional and timely with how they communicated. The tools used for communication were easy and secure, which made this process very easy for someone that only buys property every couple of years. Thank you!"

"Kathryn and her team are very responsive and answered any and all questions along the way. They were extremely committed to getting our loan processed quickly, efficiently and their level of commitment and excellence shone through the entire process."

"Kathryn is absolutely wonderful. She supplied us all of the documents for an easy refinance and was with us every step of the way."

"Kathryn and her team are the best!"

"Kathryn's team was professional and efficient. They were on top of every deadline, one time having to follow up with multiple calls and messages to get our attention to ensure signatures were completed as required. They worked seamlessly alongside our real estate agent and the title company to ensure on time closing."

"Katherine and Katie were amazing to work with. As a small business owner myself I know it’s hard to find professionals to work with in a small mountain town. Katherine and her team were excellent at communication and ahead of the curve during the whole process."

"Kathryn Pedersen is very communicative. The staff was very responsive. My husband & I we’re very satisfied with the smooth process of buying our first home."

"She is THE BEST!!"

"Kathryn was on time, communicated well and often, and made our job as the borrower easy with e-signing and helpful reminders."

"Personalized, trustworthy!"

"Kathryn , Katie and the rest of the staff were very kind, prompt, and reliable. From working with Kathryn in the past, I knew she would be the one I could trust to guide me with a refinance. Such a professional, friendly team!"

"Always responsive and quick to help. Thanks Kathryn!"

"Thanks for everything."

"Kathryn and her staff were very accessible during the entire process and talked us through the numbers on several occasions with patience and expertise, which made for a stress free and confident experience!"

"Kathryn and her team made the while process so easy!"

"The extent of documentation required defied common sense."

"Awesome service"

"Kathryn was great to work with - thanks!"

"Kathryn and her team are knowledgeable, friendly, on-task, and oh-so helpful! They make a sometimes-tedious, often complicated process smooth."

"Kathryn and her team were AMAZING! I found a house I was interested in buying and the seller wanted to close quickly. Even with an unorthodoxly short timeline, Kathryn and her team got me approved and to my closing with absolutely no friction. Very grateful for Kathryn and the exceptional service she was able to provide me with from start to finish. I hav every intention of returning for Kathryn's services throughout my financial future."

"Kathryn was AMAZING! Cannot express how grateful I am for she and her team for getting me to the finish line of an unconventionally quick timeline. I have every intention of working with Kathryn for any lending need I may have in the future."

"Seemless, friendly , professional and quite timely and always communicating : perfect !"

"Friendly service. Your Team worked around the clock to make sure we had everything we needed. Thank you, you are great."

"Kathryn and team were very informative and helpful throughout the entire process."

"I was a first time home buyer and Kathryn and her team communicated in a clear and organized manner alleviating some of the stress of buying a home."

"Kathryn and Katie were great to work with. Quickly responded to all of my questions, on top of everything every step of the way and patient with my challenging home search. I loved working with them and look forward to working with them again someday!"

"Kathryn and her team are always super friendly and easy to work with. They get things done in a timely fashion and keep you in the loop. I highly recommend them!"

"Kathryn, Katie, and the whole Fidelity Mortgage team were amazing to work with on the purchase of our first home. Their timely communication and patience with all our questions made this is stress-free experience. I will definitely use them again and highly recommend them for your mortgage needs in Steamboat Springs!"

"We have been using Kathryn for years and will continue using her for future purchases or refinances. Her team is always one step ahead of the process and their communication is top nautch. Katie was our loan coordinator, and she worked hard from sun up to sun down keeping us informed on our status and was quick to reply with any questions or concerns! Great service!"

"Easy and fantastic refinance"

"Kathryn, Katie, and the whole Fidelity Mortgage team were amazing to work with on the purchase of our first home. Their timely communication and patience with all our questions made this is stress-free experience. I will definitely use them again and highly recommend them for your mortgage needs in Steamboat Springs!"

"Kathryn and her team made our refinance process easy and stress-free. Kathryn walked us through the process and answered all of our questions during our video calls. She’s the best!"

"They made everything easy and organized."

"We have done 3 loans with Kathryn and every time has been informative and easy. The online documentation request and communication was second to none. I have referred anyone who will listen to Kathryn!"

"Kaite made our experience great!"

"Received help with online transmission of financial Reports . Being 64 hoa , I have some computer Skills, but patient help was required"

"Kathryn and her team were amazing - not only are they friendly and knowledgeable, they took the time to make sure I understood everything and felt comfortable. Their online process is streamlined and they made being a first-time home-buyer in a pandemic relatively stress free!"

"Kathryn goes above and beyond to help her clients and is always very quick to respond to emails!"