Mortgage Services

Jack Galsterer
Loan Officer
NMLS# 2230404
719.686.5219
jack.galsterer@psbtrust.bank

Craig Spivey
Mortgage Lender
NMLS# 2035040
719.686.5255
craig.spivey@psbtrust.bank

Highly responsive and personalized for your specific needs.

  • Responsiveness is critical in the process whether providing a quick prequalification when you find that home after a view or desire to jump on a refinance rate when it becomes available.
  • We are plugged into the mortgage market daily and are constantly working to take advantage of any scenario that will benefit you.
  • We focus on quality service not quantity of loans.
  • We do the easy loans quickly and efficiently and we spare no effort in navigating the challenging loans.
Conventional Conforming
We offer competitive rates on conventional mortgages. We could do it spaceship style, but we have found that there always seem to be obstacles to knock down to get the desired outcome. We have a high level of success in meeting our customer’s needs, unless you have absolutely no income.
VA
Thank you for your service! We will work hard to maximize the benefit you earned serving our country
FHA
We offer this program and can navigate the process with you.
USDA Rural Development
We do live in an area where this is sometimes a great option and we will do the legwork to make the loan happen for you.
HECM (Reverse)
This product is not for everyone and if your circumstances make this product a good fit for you, we will make sure that you understand the mortgage and we will walk with you every step of the way.
Jumbo
Jumbo loans are common place in our communities and we can accommodate your needs.
Portfolio 5/30
In the event that an individual borrower cannot meet the requirements for a conventional or government mortgage, or are financing a home temporarily until additional assets become available, Park State Bank offers portfolio five-year loans with payments based on up to thirty-year amortizations. These 5/30 loans offer streamlined local underwriting and can bridge the gap for borrowers who find their situation or their property just shy of conventional approval requirements.
Bridge
We can be agile in helping you meet your needs especially when transitioning in to our communities.
Park State Bank and Trust is Regulated by the Colorado Division of Real Estate.

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