Colorado · Home base
Denver Metro Area
Denver, Aurora, Parker, Castle Rock and Diane’s own Franktown.
Loan OfficerDenver & Lexington, NE
The Mortgage Pharmacist.
25 years as a pharmacist taught Diane to read the fine print and explain it plainly. Now she does it for your home loan.
- 25 yearsas a pharmacist
- 9 loan programsto fit your situation
- 2 marketsColorado & Nebraska
- 1 contactfrom start to keys
Monograph
Who is Diane Pepe?
A loan officer with Fairway Independent Mortgage, and a pharmacist for 25 years before that.
She listens first, reviews every detail, and explains your options in plain language — then recommends the loan that actually fits.
The Consultation
How a home loan gets filled.
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01
Intake
A no-pressure chat about your goals and budget.
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02
Review
Diane checks the details and gives you a simple checklist.
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03
Prescribe
A side-by-side of your options and a pre-approval to shop with.
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04
Follow-up
Updates all the way to closing day — and after.
Loan Programs
Find the loan that fits.
- First-Time BuyersAs little as 3% down on qualifying conventional loans.
- FHA Loans3.5% down with a credit score of 580 or higher.
- VA LoansOften $0 down, with no monthly mortgage insurance.
- RefinancingLower your payment, change your term or tap equity.
- Luxury & JumboLoan amounts above the conforming limit.
- Investment Property1–4 unit rentals, condos and second homes.
- New ConstructionExtended rate locks while your home is built.
- RelocationTimelines built around your move date.
- DownsizingBuy-before-you-sell and 62+ options.
Not sure which fits? Diane will compare your options side by side.
Get Pre-Approved
RxPlain-language
answers
answers
Common Symptoms
What keeps people from buying — and what to do about it.
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01
“I don’t think I can afford it.”
Low-down-payment programs and local assistance often change the math.
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02
“My credit isn’t good enough.”
Some programs are built for that. If not yet, you’ll leave with a plan.
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03
“Rates are too high right now.”
Buy-downs, terms and a future refinance can all help.
“Diane made what felt impossible become possible for me and my family.”Client review — first-time homeowner
Clinical Results
In their own words.
She was patient, caring, professional, and always willing to go above and beyond. She never gave up on us, even when things became stressful or complicated.
“I liked the way you were straightforward with what you needed from me. You gave me a list of things to get me qualified, and it went really well — and surprisingly fast!”
“Being first-time home buyers, she guided us and answered all of our questions and concerns. She also took it upon herself to be available all the time.”
Where Diane Practices
Local, on purpose.
Nebraska
Lexington, NE
Lexington and the surrounding Dawson County communities.
For Real Estate Agents
A lender partner who keeps your deals calm.
Fast pre-approvals and proactive updates for you and your buyer.
Quick Answers
Questions, answered plainly.
Who is Diane Pepe?
Diane Pepe is a mortgage loan officer with Fairway Independent Mortgage Corporation. She serves home buyers and homeowners in the Denver Metro area of Colorado and in Lexington, Nebraska. Before becoming a loan officer she was a pharmacist for 25 years, and she is known as The Mortgage Pharmacist.
Why is she called The Mortgage Pharmacist?
Diane practiced pharmacy for 25 years before moving into mortgage lending. She brings the same habits to home loans: listening carefully, reviewing every detail, explaining things in plain language, and matching each client to the loan program that fits their situation.
What areas does Diane Pepe serve?
Diane focuses on the Denver Metro area, including Douglas County communities such as Franktown, Parker and Castle Rock, and on Lexington, Nebraska and the surrounding area.
What types of home loans does Diane offer?
First-time home buyer loans, FHA loans, VA loans, conventional loans, luxury and jumbo loans, refinancing, investment property loans, new construction financing, relocation loans, and loans for people downsizing. See every program.
How do I get started?
Call or text Diane at (303) 249-0023, email diane.pepe@home.com, or request a consultation below. The first conversation is free and there is no obligation.
Consultation
Let’s write your prescription.
Tell Diane a little about where you are and where you’re headed. She’ll follow up personally — usually the same day.