The Oddo Group Team – Luminate Home Loans

michelle oddo mortgage lender littleton

Michelle Oddo

Senior Mortgage Banker & Branch Manager
(303) 961-6906
(720) 738-1081

CO License 100028804
NMLS 297239

I believe that relationships matter and getting a mortgage in today’s world should be high tech but also high touch!

People | Experience | Integrity

Nothing excites me more than to show you how a mortgage done correctly can help you achieve your real estate dreams and increase your financial health. I was raised with the belief that “every problem has a solution” and my superpower is thinking outside the box to get to that solution!

I take my years of underwriting background and mortgage knowledge to come alongside you, serve as your guide, and work to plan a successful path for you and with you – so YOU can enjoy the process!

What makes my heart sing…

  • Cooking amazing food with my husband and having others come and enjoy with us
  • Anything beach – the ocean sounds soothe my soul, feet in the sand and the sun on my face is my happy place
  • Being mom to my 2 teenage boys is wild, fun, and exhausting but mostly it is my greatest joy!
  • Renovating properties and taking them from ugly to beautiful is my side hustle and fills my inner creative

Little-known facts

I love karaoke and to sing, but I am told I better not quit my day job!

Are we a good fit?

Top 1% of all Mortgage Lenders in the Country | 5280 Five Star Professional award recipient 12 years in a row | Host on the national tv show Financing The American Dream | #1 Lender in Highlands Ranch (total volume) | Helped 406 families achieve home ownership or refinance in 2021 | Platinum sponsor of Chamber of Northwest Douglas County | Homes for Heroes | Member of SMDRA (South Metro Denver Real Estate Association | Circle of Excellence winner

I was always told if you can’t say it best yourself, find someone else to say it for you…

Michelle gave me all the time I needed to understand the numbers, help me make an informed decision and I never felt rushed. The team gets you to the finish line. My wife and I are grateful Thanks ladies!! You all are amazing!! Let’s do it again on an investment property nearby!” – G. Kaleski

Ready to make your real estate and financial goals a reality? Let’s connect!

tim oddo reverse mortgage

Tim Oddo

Reverse Mortgage Specialist
(303) 233.4500

NMLS 302667

I believe people matter and relationships are key.

Freedom | Trust | Education

The things that light me up in life are relationships and helping people obtain financial peace of mind. I’m passionate about educating my clients on the pros & cons of a Reverse Mortgage. I love helping people achieve more financial freedom and improve their everyday lives. I want to be a resource to YOU and help you understand the “truth” about this fantastic financial tool.

What makes me happy

  • Fly Fishing – I’m not very good but love being on the river.
  • Cooking (and eating) – Italian & Mexican food are my faves.
  • Documentaries – Food docs or True Crime dramas “reel me in”.
  • Being on the water – Spending time wake surfing behind the boat is awesome!

Little-known fact

I’m left-handed, so most scissors don’t work for me! (Lefties know what I’m talking about)

Are we a good fit?

20+ years in Mortgage Lending | Reverse Mortgage Specialist | Top 1% Reverse Mortgage Lender | Ambassador for Northwest Douglas County Chamber & Economic Development | Public Speaker & Reverse Mortgage Coach

I was always told if you can’t say it best yourself, find someone else to say it for you…

I feel very blessed to have found Tim Oddo when I started looking for someone to help me with questions about a reverse mortgage on my home. I needed someone with knowledge to give me good advice and guide me in the right direction.
From the very first conversation I had with Tim to the final closing he was kind, professional and very knowledgeable. He was always willing to answer my many questions and I knew I could trust him. His staff is exceptional as well. I want to say thank you all so very much for a very pleasant experience that will change my family’s future.
-Sherry G.

Check out more Client Review videos.

Reverse Mortgages are the best kept secret in Mortgage Lending – let’s chat about how they may work for you!

carla cavallo home loan specialist

Carla Cavallo

Loan Officer Associate

O (720) 738-1083

NMLS 963818

CO License LMB100021883

I believe that teamwork makes the dream work.

Knowledge | Coordinate | Resource

I love helping people through the mortgage loan process to achieve their goals, whether your goal is to purchase a new home or refinance your current home. Your home is most likely your biggest investment and understanding your loan and the loan process is key! I am passionate about using my knowledge and resources to be a key player on your team and guide you to a smooth loan closing.

What brings me joy

    • Spending time with friends and family. Especially my husband of 26 years (who was my high school sweetheart) and my 3 adult children.
    • Being outside! I love going on walks with my rescue Pit Bull, Zena and hiking. I especially love spending time in my yard, gardening or just hanging out.
    • Working out/lifting weights, mostly for my mental health!
    • Cooking- I never enjoyed cooking before unless it was baking, I only cooked for survival. But now that my kids are grown and I have more time on my hands, I spend a lot of time in the kitchen!

Little-known fact

I am a Christmas baking master! Each December I spend 2 full days baking every Christmas treat you can think of! I also have “window clingy thingy’s” for every holiday, I love decorating for any and every holiday.

Are we a good fit?

25 years in the mortgage industry | 15+ years in assisting top 1% mortgage professionals| Processing and underwriting background

My favorite thing to hear from any client is that the loan process was a lot easier than they expected it to be!

I look forward to assisting you through a smooth home loan process and closing!

diamond espinosa reverse mortgage

Diamond Espinosa

Reverse Loan Officer Assistant

O (720) 738-1085

I believe communication is the foundation of a successful business venture.

Compassionate | Patient| Communicative

I find joy in building relationships, overcoming communication barriers, and educating others on financial options that are specific to their individual needs. I’m passionate about educating my community, encouraging individuals to feel empowered to ask the hard questions and find answers specific to their financial goals. That’s why I love what I do!

I get to learn as much as I can about the client’s financial goals so that I can be the best possible resource to YOU. Lean on me, I’m here to help!

All That Jazz

  • Dog Mom of Uki- her name means Snow in Japanese
  • 5th Generation Coloradan
  • Musician- Violinist and Percussionist
  • Avid Whitewater Rafter
  • Favorite Place to Vacation is New York- for the food and musical theater

Little-known fact

I’m the friend that’s “always prepared!” What cha need, I got you!

Are we a good fit?

Production Partner for Reverse Mortgage Specialist | Business Development Manager for Top 1% Mortgage Lending Team| Member of the Women’s Business Alliance- NWDC & EDC | CU Boulder Graduate

I was always told if you can’t say it best yourself, find someone else to say it for you…

Diamond was always checking in on me, just making sure I wasn’t too stressed or overwhelmed, & explained each step as well & let me know about the next step. I highly recommend the Oddo Group. I can’t imagine working with anyone else! Truly 5 Stars.” -Patty H. (NW Colorado)

Do you have questions, call me, we have answers!

caitlin weaver mortgage processor

Caitlin Weimer


O (720) 738-1083

NMLS 12007

Communication is the key to success.

Organized | Available | Friendly

In my personal and business life I enjoy growing relationships and helping people. I’m
passionate about helping clients achieve their homeownership goals. I continue learning to
stay knowledgeable and efficient in the fast-paced world of real estate driven by tight

A little more about me

  • Soccer mom to Shaye and Calla, I have been to more soccer games than I can count and
    I wouldn’t have it any other way. Both of my girls are competitive soccer players, one in
    college and one just getting started!
  • Dog mom to Sammy, a coon hound mix and Foxy, a spunky Yorkipoo. The Fox and the
    Hound as we lovingly call them
  • I love the beach – toes in the sand, not a worry in the world, cold drink in my hand
    makes any day better!

Little-known fact

I am a Colorado native and have never been skiing.

Are we a good fit?

15 years as Sr. Processor for Top 1% mortgage team in the country |Client-focused| Service-
driven| Diligent and detail oriented

I was always told if you can’t say it best yourself, find someone else to say it for you…

“Michelle, Carla and Caitlin were my absolute saviors! This never would have happened without them and I am eternally grateful. They answered all my questions, dealt with my constant phone calls and were there for me every step of the way. I can not recommend them highly enough and would be lucky to work them again in the future. I was so lucky to be able to work with such phenomenal ladies throughout a process that would have been so much more stressful without them. Thank you! “ -Jennifer H.

I look forward to working with you and getting your loan to the finish line.

Candi Gutierrez home loans processor

Candi Gutierrez


O (720) 738-8589

I believe that teamwork and organization are key assets for success.

Teamwork | Organization | Assist

My passions in life are personal development and assisting others achieve their goals.
I work as a silent member in your lending experience to help ensure that everything runs smoothly in the background, and when all goes well, you won’t even know I’m here!

Current Obessions

  • All things Health & Self Care Related
  • Dogs! I take daily walks around the lake with the hopes that I can pet some doggies!
  • Perfect Bars! I’m pretty sure I’m the only one solely responsible for keeping the company in business.

Little-known fact

In the early 2000s I was a member of an all girl rock band in Hollywood, CA with my identical twin sister. My claims to fame are that I was endorsed by Warwick basses and opened up for Guns N’ Roses – Appetite for Destruction 20th Anniversary show.

Are we a good fit?

20+ years Customer Service | 2 years Assistant Processing

What people saying about the Oddo Group:

Michelle and her colleagues guided me along the way of applying for and executing a mortgage. They were in communication throughout the process and answered my questions thoroughly and honestly. We had a quick timeline to work through and they were able to accommodate while keeping me informed which minimized the stress involved. They were very professional, and I felt like they “had my back“.” Nicholas K.

Absolutely wonderful. Tim and all of his team are truly caring, dedicated and professional people. They answered all questions in a timely manner and were always able to be contacted quickly for responses. We highly recommend them for anyone who is looking for a home loan.” Jody T.

Apply now! I look forward to working with you and our team to get a smooth closing for your loan!

Get in touch with Michelle Oddo and the Oddo Group team at Luminate Home Loans today to discuss your various loan options!