Justin Petaccio

Loan Officer Spire Financial NMLS 1457625
As your mortgage lender, I will help you navigate an otherwise confusing and overwhelming process with ease. I have a passion for helping people in any way possible. Of course I will help you get your loan and the home of your dreams, but I also want to help you find a great place to eat, a great trail to hike, or a great brewery to enjoy. Ultimately it is my goal to make your life simpler, more enjoyable, and more rewarding however I can. I grew up in Philadelphia and attended Northeastern University in Boston where I received degrees in Finance and Entrepreneurship. I have called Denver and the Rocky Mountain West my home since 2010. I currently live in Park Hill (Denver) with my wife Hannah and my dog Bosco.
May 16, 2019
Justin made our first time home buying experience a breeze. I feel like he truly cared about helping us make the best decision possible. He gave us different options, and is very knowledgeable. Would highly recommend!!
May 8, 2019
HR Assistant
Justin helped me close on my first home and it couldn't have gone smoother. He was able to get me to close 5 days sooner than what our original contract date was set for. He really went above and beyond to answer any questions i had along the way. The greatest compliment i could give is that he was ALWAYS available. He responded very quickly to any emails, calls or texts i sent. Being a first time buyer, this was great to have in a lender. I would definitely recommend him to anyone looking for a smooth and easy homebuying experience. I am now a proud homeowner and I thank you Justin for being there every step of the way!
Apr 23, 2019
Justin was so helpful and great to work with, and always quick and responsive to all my questions.
Apr 16, 2019
Justin Petaccio is one of the most dependable and conscientious people I've worked with in any capacity, let alone in the mortgage lending business. My wife and I recently financed our purchase of a home but had not been through the mortgage application process in 15 years, so a lot had changed!
But the human touch was still vital: Justin was a steady presence for us; he helped us choose the mortgage that worked best for us, kept us on track with the steps we needed to take, fully answered our questions , and made himself quickly available when we needed him. And to boot, he did all these things--calmly and professionally--within a 3-week window from the day of our contract signing to the day of our closing.
We appreciate his excellent work on our behalf and highly recommend him to others. Thanks, Justin!
Mar 21, 2019
Owner of The Junk Trunk
Justin helped me throughout the entire buying process. He stayed in contact with us and kept us updated. Sometimes getting a loan can be confusing and time consuming, but Justin made it as easy as possible for us. I would highly recommend him if you are thinking of buying a home. Thanks Justin!
Mar 19, 2019
It was great to work with Justin. He was very helpful and friendly.I really do appreciate his help and the chance for me and my family to own our home. I highly recommend him.
Mar 11, 2019
Justin is an exceptional mortgage broker, I would highly recommend using him. I used Justin over my bank of 15 years, Wells Fargo. I realized that banks are very much transactional and won’t tell you the bad with the good till your way down the line. Justin was very detailed and upfront regarding all the paperwork needed and extremely knowledgeable about the process. All I got from Wells Fargo was “it should be ok” or “I don’t think we should have any issues”. Justin helped me close my loan on time with no issues. If you are using a Big Bank at least benchmark your quote with Justin I am sure once you speak with him you will want to work with him.
Mar 11, 2019
Corporate accounts manager
Justin Nd his team are absolutely amazing. I got my original mortgage with them , and it went perfectly! He called me almost 1 year later to let me know rates dropped and helped me refinance. Highly recommend for sure!
Jan 10, 2019
Senior Director of HR
Justin is very thorough and informative. He always had my best interests in mind...very responsive and pleasant to deal with!
Dec 19, 2018
Just did an excellent job for me with my recent mortgage. He was attentive and incredibly helpful with answering my numerous questions. The whole process went so smoothly. Great experience!
Dec 18, 2018
Justin was such a pleasure to work with and did an incredible job explaining things to me (first time homebuyer). He is knowledgeable, patient and VERY responsive. Thank you for everything, Justin, you have earned my trust and I will gladly recommend you to all of my family and friends.
Dec 7, 2018
Mechanical Team lead
I would definitely recommend working with Justin! He is very knowledgeable on the entire home buying process. It was very nice that he was available to answer all of my questions any day and anytime. He made my home buying process easy and explained all of my options that came up.
Nov 23, 2018
Edward Foresman
Justin is incredibly knowledgeable, radically available, responsive and helpful during the process of refinancing. He goes the extra mile to help those he served. I’d give him 10 stars if I could. Thanks Justin!
Nov 9, 2018
Justin was amazing during our journey of home buying. He made the process less stressful and overwhelming. He made us feel like we were his only clients/buyers. First class on explaining the process, returning our calls day/night. Wonderful experience. Thank you, Justin!
Oct 31, 2018
Justin and his team are without a doubt the reason we landed the home we wanted. Initially the house was swept out from underneath our feet by a cash offer that came to the table (happens all to often), but once that buyer couldn't make it to the table with all the funds as promised, the sellers immediately thought of us. Due to Justin's ability to go to bat for us and effectively communicate the strength of our bid, the sellers felt confident in offering the home to us directly opposed to wasting anymore time re-listing the property (which would have ultimately thrown us back into the ring with other cash offers). Justin and his team went the extra mile when it counted, and the pay off was big for us. At the end of the day the rates and mortgage payments will be similar no matter where you choose a lender....the difference AmeriFirst made for us, is the quality of home we were able to land, as a direct result of the professionalism and respect that Justin (our Loan Officer) lent us.
Oct 3, 2018
Justin was an amazing loan officer to work with during my first time buying a home. Being a new buyer, I had a lot of questions. I am self employed which required more paperwork but Justin, and his assistant Lynsey, were incredibly responsive throughout the several months we worked together. I felt confident I was in good hands from the start. I even feel like I learned a thing or two about the process. Justin brought several creative ideas to the table that helped me structure my loan in the best way for my personal finances. I feel I not only got a good/fair deal, but I worked with honest people who helped guide me through the process. I would highly recommend Justin and his team at Amerifirst.
Oct 2, 2018
Justin and the team were absolutely fantastic!

Having moved to the US, and choosing Colorado to make our home we looked into purchasing our first home in the USA. This is not a simple task when it comes to paperwork when you move from another country, however Justin and the team were able to walk us through the process and help our family secure financing for our home!

Justin is responsive to emails, and calls and provides the answers I needed, even when we had to work through the "US" terms versus the terms from another country. He made the whole process easy!

Thanks Justin, Lynsey and the team.
Sep 20, 2018
Justin was such a huge help for us! The process of buying our first home was a bit daunting but Justin and the team were there for us all the way through. He is patient and clear in his explanations of concepts and contracts that we did not understand. My wife and I are both very happy that we had the opportunity to work with Justin and Amerifirst. I highly recommend working with Justin as your mortgage lender if you are seeking someone professional and personable.
Jul 23, 2018
This was our first time buying a home, so we were not sure what to expect. We shopped around for lenders for a couple days and Justin was very responsive and showed great customer service right off the bat. He continued to do this throughout the process and it made our experience smooth and easy! I would highly recommend Justin and his team.
Jun 25, 2018
Structural Engineer
This was my first home purchase. After dealing with a not so good lender, I was referred to Justin. What a difference a good loan officer. He answered all our questions in a timely fashion, even with him outside the country for some of the process. Buying my first home couldn't of gone smoother.
Jun 20, 2018
Justin is an amazing lender and made our first time home purchase a breeze! He was extremely informative and personable from the first time we spoke with him and that never changed through out the process. Him and his team were always quick to respond to any questions or concerns we had, he helped us understand all of the different options available to us, was flexible with our changing timeline, and always ensured we were submitting everything we needed to meet our deadlines and receive funding. I highly recommend Justin for any of your mortgage needs!
Jun 10, 2018
Flight Attendant
Justin is an incredible lender! He went above and beyond to make sure that we could get into our new home. As a flight attendant my pay structure is a little different but Justin did some investigating and made sure to maximize every bit of my income to get us into the home we wanted. Justin not only navigated around my odd pay structure but also continuously checked in with us while he was on the other side of the world. WHO DOES THAT?!!! Justin DOES! Could not recommend him enough. Best lender around by far!
Jun 6, 2018
Director of Sales
Justin helped me buy a home on short notice and made it as effortless as possible. He went above and beyond to make sure it was a straightforward process for me and helped me understand any additional needs. I would highly recommend Justin to anyone looking to purchase a home!
May 1, 2018
Medical Laboratory Scientist
Justin was very helpful through the entire home buying process. We are first time home buyers and as you can imagine we had a lot of questions and Justin was available to respond to all of our questions in a timely manner. He and his team were able to get us through this process with minimal issues. I would absolutely recommend Justin to anyone who is considering buying a home, especially first time home buyers!
Apr 13, 2018
As first time home buyers, we really appreciated Justin's ability to articulate details every step of the way. He always had our best interest in mind and was quick to answer our questions. The whole process was completely painless because of him. We highly recommend working with Justin!

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