Fiduciary advice across the USA since 2020
Prime Loan Solution blends fiduciary wealth management with smart lending, year-round tax strategy and right-sized insurance — one team, one written plan, zero commissions. From Sterling, Colorado to all 50 states.
4.9 / 5 from 327 verified client reviews
About Prime Loan Solution
Prime Loan Solution was founded in 2020 in Sterling, Colorado — in a year when markets whipsawed millions of American households — on a simple belief: everyone deserves advice that is legally bound to their best interest, priced in plain sight, and explained in plain English.
Our founders — a CFP® practitioner, a former mortgage underwriter and a practicing CPA — built the advisory they wished their own families had. Today we guide more than 2,400 households across 32 states from one small-town office with a very big rulebook: no commissions, no product quotas, no jargon walls.
What drives us
We're working toward an America where a teacher in Sterling and a surgeon in Seattle receive the same caliber of financial advice — fiduciary, transparent, and built to outlive market trends.
One accountable team that manages the borrowing, investing, tax and insurance sides of your balance sheet as a single, coordinated strategy — measured, reported and adjusted every quarter.
Every hire, every recommendation and every difficult conversation is run through the same filter.
Why choose Prime Loan Solution
Anyone can promise performance. We compete on structure — how we're paid, how fast we answer, and how many disciplines sit at your table.
Every plan, every trade and every recommendation is legally bound to your best interest — not a sales quota. We hold zero inventory of products to push, which is exactly why our advice is worth paying for.
"We'd rather lose a sale than your trust." — K. Morgan, CFP®, Founding Advisor
See the price before you ever speak to us. No AUM surprises tucked into a 40-page brochure.
Every client message answered by a licensed human within four business hours — tracked and reported quarterly.
Your mortgage decision knows your tax return. Loans, investments, tax and insurance at one table.
256-bit encryption, SOC 2-aligned document vaults and mandatory multi-factor on every account.
2,400+ households in 32 states guided since 2020 — through a pandemic, a rate shock, and back.
Work process
A defined, deadline-driven process — because "we'll figure it out as we go" is how people end up with the wrong mortgage and the wrong portfolio.
A free, pressure-free 30 minutes. We listen first — goals, debts, timelines and worries — before we ever suggest a thing.
Within 7 days you receive a written financial blueprint: the plan, the fees, and the expected outcomes — in plain English.
Loans closed, portfolios funded, policies right-sized. You approve every step from one secure dashboard.
Life moves, so does the plan. Quarterly reviews, annual rebalancing, and an advisor who answers in hours — not weeks.
Our services
Each service stands on its own — and gets sharper when combined. Signature and Private Wealth clients use them together, on one coordinated plan.
Fixed-rate, no-collateral funding from $5,000 to $100,000 for debt consolidation, home projects or life's curveballs — underwritten by humans who look at more than a score.
Apply nowSecured and builder lines from $500 to $25,000 designed to raise your score systematically — reported to all three bureaus and reviewed with a coach every quarter.
Start buildingFirst homes, refinances and jumbo loans across 32 states. Pre-approval in 24 business hours and an underwriter who actually answers the phone.
Get pre-approvedLow-cost, evidence-based portfolios plus retirement, college and estate coordination — managed to your written plan and rebalanced to your life.
Plan my portfolioYear-round strategy, not a spring scramble. Entity structuring, deduction mapping and filing review led by CPAs who talk to your advisor — not past them.
Book a tax reviewIndependent audits across 40+ carriers for life, health, property and liability cover — right-sized to your actual risk, never to a quota.
Audit my policiesPricing & packages
Flat monthly fees. No commissions, no kickbacks, no product bonuses. Cancel with 30 days' notice.
For households getting their footing.
For households ready to build real wealth.
For families with $1M+ in investable assets.
All plans are fee-only and fiduciary. Lending services are compensated by a flat placement fee paid by the partner lender — never baked into your rate.
Service booking
Tell us where you are and where you want to be. A licensed advisor — never a call-center script — will map your next step, at no cost and with zero obligation.
Reviews & testimonials
"We'd been declined twice before a friend mentioned Prime Loan Solution. Their team restructured our debt, coached us for six weeks, and we closed on our first home in 11 days. I still can't believe the rate."
"My previous advisor sold me products. Prime Loan Solution built me a plan. Fourteen months in, my portfolio is up 16% and I finally understand every line item I own."
"Their tax desk found a small-business deduction my CPA had missed for three straight years — worth $9,400. The flat fee paid for itself before we'd even finished onboarding."
"Consolidated $23,000 of card debt into one payment at 8.9% instead of 27%. Funding hit my account 36 hours after signing. Zero games, zero hidden fees."
"They audited five policies we'd been auto-renewing for a decade. Same coverage, $1,860 a year less — and for the first time, someone explained exactly what we were buying."
"I'm 52 and was convinced retirement math just didn't work for me. Their team rebuilt my plan in a week. My wife and I are now on track to retire at 60 — together."
FAQ
Yes — unconditionally. Every advisor at Prime Loan Solution is a fiduciary on every account, at all times. We are legally and ethically bound to act in your best interest, and we sign a written fiduciary oath with every engagement.
Through flat monthly planning fees and a capped asset-based fee, both published on our pricing table. Our lending desk receives a flat placement fee paid by the partner lender — it is never added to your rate, and we disclose it in writing before you sign anything.
Planning clients start with no asset minimum. Managed investment portfolios begin at $25,000, and Private Wealth services are designed for families with $1M+ in investable assets.
Yes. Roughly a third of our lending clients start below 640. We build a credit roadmap first, then match you to secured, builder or co-signer-free products that fit — and most clients see meaningful score movement within two quarters.
Advisory and tax services are available in all 50 states. Our mortgage desk is currently licensed in 32 states; if you're outside that footprint we'll refer you to a vetted partner and still manage the planning side.
Typically within 24 business hours of receiving your documents. Closings average 21 days, and our record — set in Denver in 2024 — is 11 days from application to keys.
No — we complement them. Our CPA-led tax desk focuses on year-round strategy while your CPA handles compliance and filing. We coordinate directly (with your permission) so nothing falls between the two.
All documents live in SOC 2-aligned vaults with 256-bit AES encryption, and multi-factor authentication is mandatory on every account. We never sell data, and we purge archived files on a published schedule.
Yes. Monthly plans cancel with 30 days' written notice and no exit fees. Your documents, plan and account history are exported to you in full within 10 business days of cancellation.
Nothing at all — the first call is a conversation, not an audit. If it's convenient, recent statements and a rough debt list help us give sharper answers, but we can start with just your goals.
Contact us
Book your free 30-minute consultation — a licensed advisor, a written plan, and zero pressure.