Seasons Capital Group, LLC 303-523-2209

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"Home Loans In Your Best Interest. Consider It Done...Nobody Closes Loans Faster!"

"Thank you for everything...that was the smoothest house purchase anyone could ask for." :-)

Dave-Elizabeth, CO 

"We cannot thank you enough for all of your hard work and efforts to assist us with our financing. We surely appreciate and value you as our expert and will definitely be calling again in the future." 

John and Doreen-Aurora, CO 

“Fred is so patient with our silly questions! He is amazing to work with! Fred is really, really nice and incredibly knowledgeable!”

Robert and Misty-Grand Junction, CO

“We are so pleased with Fred. Thank you so very much for recommending him to us. We are sticking with him as our lender.”

Amanda & John-Denver, CO

"Thank you so much for all your help and incredible patience with us through this whole process.  We could not have done it without you.  You are amazing!"

Graham & Sharmeen-Denver, CO

"Thank you so much for taking such good care of my friends.”

Tamara-Parker, CO

"Thanks again for being an awesome loan officer!!"

Amy-Evergreen, CO

"I have used Frederick multiple times to Refinance loans. I would recommend him to anyone I know. He is fast, efficient and I totally trust him. My parents have also used him for a Refinance and a Home Purchase.
He will beat anyone's pricing and rates due to the fact that he wants your business and when you are satisfied, you will recommend him to your friends. That is how he gets all his business. I love referring you...appreciate everything you do!"

Bob-Wheat Ridge, CO

"Fred is a great to work with. When it’s time to sign docs everything goes perfect, no surprises and no upset borrowers. I have presented many deals for Fred, his clients are happy and chat about how they enjoy working with him."

Christine-Denver, CO

"Frederick is the consummate professional. He is a true "Mortgage Adviser," achieving and understanding of the needs of his customers first so then he is able to tailor a solution with product and rate fit to meet those needs. This is possible because of his knowledge of the industry, the right connections with the funding sources and the knowledge of the products required to accomplish timely closings in today’s marketplace. I have known and worked with Mr. McKinney for nearly a decade. Truthfully, those that remain independent mortgage professionals are capable to doing so because of their work ethic and the work that they perform for those lucky enough to be their customers. Frederick, keep up the good work."

Andy-Denver, CO

"Freddy is one of the best, most reliable and hardest workers out there and will go the extra step to make sure that you as a client are fully satisfied. He also happened to be my superior for a short time and I would say nothing but good things and that he only wants others around him, within his business or not, to succeed and strives to help where he sees a need with a true caring persona and heart."

Mark-Denver, CO

"Fred has been a client of mine for several years and my team and I enjoy working with him. He takes pride in his work and delivers the highest levels of service to his clients. He is an excellent communicator and is extremely knowledgeable about our industry. I highly recommend Fred to anyone looking to purchase or refinance."

Tonya-Highlands Ranch, CO

"Fred takes the time and puts in the effort to be sure his clients are getting his best. Every time. I would and do highly recommend him for all of your mortgage needs."

Brad-Denver, CO

"Frederick is a trustworthy expert in his field."

Hayden-Boulder, CO

"Fred is very knowledgeable of the mortgage market and consistently strives to provide his customers with the best available mortgage options."

Ted-Littleton, CO

"Fred is a great person to work with. He is constantly trying to find ways for his clients to save money by getting them the best loan possible for each client."

Mary Beth-Arvada, CO

"Frederick is a detail oriented, results driven, mortgage professional. As a client of ours, he always delivered investment quality loans and was always a pleasure to work with."

Kelly-Denver, CO

"Frederick completed a transaction together. He was a pleasure to work with and very prompt with his response. I experienced nothing but professionalism and excellent work. I look forward to working with him in the future and would recommend him to anyone looking for a residential mortgage."

Samantha-Denver, CO

 "I have known Freddie for almost 20 years. He has always been a tireless and enthusiastic advocate for his clients. He has always been a creative problem solver and I would recommend his services to everyone."

Brian-Parker, CO

"Fred McKinney with Seasons Capital Group, LLC is fast, thorough and a kick to work with."

Robin-Denver, CO

"Fred has been a trusted Financial Advisor who has helped my wife and I refinance our home in Castle Pines and take advantage of the savings offered via the Federal HARP Program. He is proactive, responsive, detail oriented and has followed through on all his commitments related to the work at hand. He's a great person and I highly recommend him."-Top Qualities: Great Results, Personable & High Integrity.

Mark-Castle Pines, CO

"Working with Frederick has been a blessing...he has strong knowledge of the industry and excellent communication skills."

Eric-Fort Collins, CO

"Fred has always been extremely fast, detailed and professional in the way he conducts business.  I would recommend Frederick McKinney to any investor or homeowner looking for professional results."


"Professional and gets the job done."

Darlene-Denver, CO

"Fred McKinney is a first class businessman-stand up professional."

Tracy-Parker, CO 

"On behalf of Catherine and myself, thank you for all your hard work in coordinating the financing."

Steven-Denver, CO

"You Da Man."

Greg-Parker, CO

"Thanks for everything!"

Megan-Erie, CO 

"He is a tireless professional dedicate to the craft of mortgage planning."

Scott-Castle Rock, CO

"Thank you for the continued follow-up.  I truly appreciate it."

George-Highlands Ranch, CO

"I'm going to call you fast Freddy!!!"

Jill-Denver, CO

"Thank you so much for coming out!  I am glad t be working with you!"

Ann-Wellington, CO

"Thank you from the bottom of my heart for helping us get this awesome house!"

Tammy-Parker, CO

"I wanted to express my sincerest of appreciation for all your hard work and EVERYTHING and everything you did to make it all happen!  Thank you Fred."

Shawn-Aurora, CO

"SWEEEEEEEEEEEEET!!!!  Thanks!  You rock!!!!!!!!!!!  You have been amazing J."

Jodi-Denver, CO

"Thank you so much for all your help.  Couldn't have completed this without you."

 Leon & Jennifer-Aurora, CO 

"You're a great lender.  I truly appreciate your follow up and professionalism" 

Sean-Denver, CO

"You are the hardest working lender I've ever met here and I'm confident you explore every available option.  Not many lenders go above and beyond like you do.  I always appreciate how hard you work to get files closed as early as possible.  I will always refer business to you when I hear of anyone needing the best lender in Colorado

Monica-Aurora, CO

"I am always surprised at how fast you respond!!!"

Tony-Highlands Ranch, CO

"I'll be sending clients your way...appreciate all your help!  Thank you so much Fred! :)"

Monet-Elizabeth, CO

"I wanted to take time to thank you for your business.  I appreciate you so very much and enjoy working with you.  It is with no doubt that it is because of your professionalism and amazing customer service, your business has flourished to what it is today.  It has been a great pleasure to watch your success and I am grateful to have had an opportunity to work with you!"


"I refer everyone to you guys.  Always love a broker you can trust : )"


"Very impressive!  Great job"

Cindy-Highlands Ranch

"Wow!!  Amazing work on your part.  Thanks!"

Sandy-Castle Rock

"You're the easiest lender in the world to work's GOOD!  You're the BEST!"

Cindy-Castle Rock

"Thanks again for your amazing help!!!"

Melanie & Dave-Aurora

"Thank you Fred, you are the best lender in Colorado! Thanks for your help."


"Appreciate all you've done for us to make this process go so smoothly."


"Thank you for all the help Fred and making the process smooth."


"Your loan went from submission to clear-to-close (CTC) in 1 day!!! Absolutely incredible work Frederick!!!"


"Keep up the great work! Thank you for doing such a thorough job on your submission. We really appreciate when you take the time to help ensure a smooth process for us, for you and most importantly, for our borrower."




"Thank you so much for taking such awesome care of our friends & family for all these years! We really appreciate it! You're the best!"

Steven & Kendra-Strasburg

"We will refer you every chance we get! You're awesome!"

Eva & Justin-Castle Rock

"We wanted to say thanks for making our refi as easy as it realistically could be. You took care of everything and all we had to do is supply information, and only once. The process was laid out in simple and easy to follow steps. Add us to your testimonies of satisfied customers...we'll be sure to spread the word."

Robert & Paula-Larkspur

"Thanks for everything! I will be recommending you to anyone looking for a mortgage!"

Branden-Aurora, CO

"Thanks Fred McKinney, Thank you! Thank you for your experience, professionalism, integrity and understanding while helping me refinance my house. Over six months ago I began my journey to refinance my house, because of the current market conditions. Everybody was taking advantage of the interest rates and I thought I would as well. What did not occur to me at the time was while there was a rush from the public to refinance, it seems as though there was a rush of inept, unprofessional brokers and lenders looking to take short cuts and make a quick buck off the public. During this process I encountered two other such brokers that would rather rush through the process and turn another loan, than make sure the numbers were right and it made sense for both parties. I was about to give up and continue with my current mortgage when a coworker mentioned your name and how well you had treated them. He gave me a good twenty five-minute explanation on how well you had treated them. After he was done explaining the experience, I had no choice but to call. You greeted me on the phone and within minutes I understood what my coworker was talking about. You asked questions, wanting to get to know me and my situation. You then took that information and started the wonderful process of being refinanced by your team. You would call and give me updates about every other day or when another step was completed. Your team would send update videos explaining the process and giving more information on why the information was needed. Every request you had from me, you explained why you needed the information and how it was being used. Now I understand why the majority of your business is derived from referrals and previous clients. You treated me like I was an extended member of your family and for that I am grateful. You followed through on every promise you made to me from that first phone call. I can honestly say that I am a lifelong customer from here on out. If I am buying, selling or refinancing, you and your team will be the company representing me in the process. Thank you again For everything! I will be recommending you to anyone looking for a mortgage!"

Rich-Highlands Ranch, CO


Seasons Capital Group, LLC has been committed to financial planning based mortgages since 2001. We know that every borrower's needs are different and we prepare specific illustrations that best put all of your dollars to work for you.  Simply put, we find the BEST options, lowest rates and lowest closing costs available.  Present them in an easy to understand format and let you the consumer be in the "question asking" and the "decision maker" on what the best fit is for YOU!  As certified mortgage planning specialist, we believe your home is an instrument to help clients create wealth.

Award winning and have 25+ years as a mortgage professional, the majority of our business has always been derived from either previous customers or real estate professionals!

We are a fully automated Colorado home based "boutique" mortgage company with extensive resources and networks...quite simply, we do not have the overhead other mortgage companies pass on to their borrowers in the form of higher rates and fees. Thus, helping you achieve your financial goals with "make sense" mortgages. Our past and present clients are more important to us than anything else! Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business.

We understand how difficult it can be navigating the financing of a home and having the right team is key...whether you want to refinance for a lower mortgage rate, get a new home mortgage, or a home equity loan... our purpose is to satisfy your needs! We are your guide and your inside source.  By putting you first, we assure you a pleasurable transaction and the mortgage that's RIGHT for YOU for your personal needs and goals!

Please do not hesitate to contact Founder & President, Frederick McKinney (Nationwide Mortgage Licensing System-NMLS #191692 & 258377, Colorado Licensed & Certified Mortgage Loan Originator #100007825).  In 1994, he earned a Bachelor of Science degree in Aerospace Science with a minor in Meteorology from Metropolitan State College of Denver.  Since 1995, Frederick has been originating mortgage loans and has helped hundreds of families and individuals achieve the dream of home ownership!  In addition, he understands the needs of homeowners and truly has a passion and LOVE for helping his clients.  Furthermore, he is always open and entertains any input or suggestions that may be helpful.

"I take pride and strive for impeccable, honest, caring and prompt/efficient customer service.  You may call me at anytime (even on weekends and evenings) and we can discuss any questions that you may I am here for you!  I have been in the mortgage industry for 20+ years and mastered my profession (experience does matter dealing with a qualified professional-there is too much on the line when making a financial decision such as this...eliminating any confusion of strict lending guidelines and a hassle-free transaction in this lending environment).  I have access to over 50 wholesale lenders (we all use the same lenders as our funders) and I'm the owner of the company since 2001 (low overhead costs).  My reputation is built around crucial principles: trust, determination, discipline and detail.  Anyone who has worked with me can attest my motivation, integrity and sincerity.  Moreover, dealing with me and my experienced team, you will be guided and educated through the entire process; with or without challenges, you will be confident of a seamless transaction....meeting your highest expectations by getting you the best rate and lowest closing costs possible!  Furthermore, I am licensed and reside here in Colorado.  I look forward to hearing from you and working with you."

Frederick McKinney




 No closing cost & best rate loans for purchase, refinance or debt consolidation. Conventional (Fannie Mae & Freddie Mac), FHA, FHA Streamline, FHA 203K, VA, VA IRRRL Streamline, HARP, HAMP, HomeStyle, HomePath, HomeOne, Refi Plus, LPMI, USDA, Jumbo, Investment, CHAC, CHFA, Chenoa Fund, Reverse, Construction, Multifamily, Non QM, Stated Income, SIVA, Bank Statement, Non-Prime, Asset Depletion, Assets as Income, P & L, Foreign National, ITIN, HELOC, 2nd Mortgage, Commercial, Hard Money, Land, Bridge & Mezzanine Mortgage Loans, Chattel Mortgage* (some restrictions apply to all programs,WAC).

No Points and fees loan options available. 

Get the best mortgage loan when you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you!

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!

Tapping into your home equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself. We'll help with the best program to fit your goals.

Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else! contact us today to schedule an appointment and a free analysis.

Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.

*(All programs WAC and restrictions may apply).  


We are licensed, bonded and insured.

Seasons Capital Group, LLC-NMLS #191692  

Mortgage Loan Originator, Frederick McKinney

NMLS #258377 

DORA Colorado-MLOL #100007825  

To check the status of your mortgage broker, visit: 


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HUD Special Information Booklet on Settlement Costs:

find an approved HUD housing counselor (CFPB):

Consumer Finance Protection Bureau (CFPB) mortgage help:

Seasons Capital Group, LLC is not endorsed by, nor acting on behalf of or at the direction of the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture, the Federal Government, Fannie Mae or Freddie Mac. This material is informational only and is not an offer to lend or recommend available products. This is not an advertisement to extend credit as defined by Regulation Z, nor an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting guidelines and approval based upon the credit, assets, value of subject property and borrower's ability to repay. Not all applicants are eligible for or qualify for all loan products offered. All loan programs, terms and conditions are subject to change without notice.



Seasons Capital Group, LLC – 10491 Cheetah Winds –  Lone Tree –  Colorado –  80124
Phone: 303.523.2209 –  Facsimile: 303.708.1334 –  E-mail:


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