Claudia Fernandez
Loan Officer, IMB
Claudia Fernandez is a Loan Officer with IMB located in Centennial, Colorado. Whether you’re purchasing your first home, investing in property, refinancing, or exploring retirement options, Claudia takes pride in delivering personalized solutions that truly fit each client’s needs. She helps homeowners aged 55+ secure financial freedom with tailored reverse mortgage solutions. Access your home equity, eliminate monthly mortgage payments, and enjoy retirement with peace of mind.
Claudia transitioned from the legal field to real estate, finding her passion in Reverse Mortgages. As a Loan Officer & Reverse Mortgage Specialist, she focuses on helping seniors aged 55+ navigate home equity solutions. With 2.5 years of experience in reverse mortgages, she has successfully closed multiple transactions with various lenders.
Claudia takes pride in providing personalized service, leveraging IMB’s extensive network of Reverse Mortgage Lenders to find the best rates and programs for her clients. She enjoys working with seniors, sharing family stories, and building trusted relationships while guiding them through their financial options.
Ideal Client
Seniors (62+) exploring Reverse Mortgages (HECM or proprietary) to eliminate their monthly mortgage payment, unlock equity, or purchase a new home in retirement. They want financial stability, peace of mind, and a trusted guide to simplify a complex process.
Families and first-time buyers who need guidance through Down Payment Assistance or CHFA programs, or flexible options like FHA, USDA, or VA loans. These clients appreciate patience and education, knowing they have someone who will pick up the phone and explain each step.
Investors and high-net-worth borrowers seeking niche programs such as All-in-One Loans, Bridge Loans, DSCR, Fix & Flip, Condotel, or asset-based financing. They value creativity, access to a wide lender network, and the ability to structure solutions around nontraditional income streams.
Borrowers with unique circumstances such as alternative credit histories, self-employment, DACA/ITIN/Foreign National status, or cannabis-related income. They want an advocate who can find a path forward when others say “no.”
Business Power Partners
The best referral partners for Claudia's business are professionals who share a commitment to helping clients achieve financial stability, build wealth, or simplify complex decisions around homeownership and retirement.
Key partners include:
Realtors – especially those working with first-time buyers, seniors looking to downsize, or clients relocating who could benefit from programs like Reverse for Purchase, Down Payment Assistance, or Cash Offer with 5% Down.
Financial Advisors & Wealth Managers – who want to offer clients tax-efficient strategies, retirement income solutions, or asset-based financing options that complement their broader financial plans.
CPAs & Tax Professionals – who can identify clients needing creative mortgage solutions, capital gains strategies, or estate planning tools where mortgage products can play a role.
Attorneys (Estate, Elder Law, and Family Law) – who often advise clients navigating inheritance, trusts, divorce, or long-term care planning, and need a mortgage expert to align financing with life transitions.
Insurance Agents & Long-Term Care Specialists – who work with seniors and families planning for retirement security and want to expand the tools available to their clients.
Builders & Contractors – for new construction, renovation, and land loans where buyers need financing flexibility.
Title & Escrow Professionals – who value a dependable partner to ensure smooth closings and client satisfaction.
Strong partnerships are built on trust, communication, and a shared goal of providing clients with the best possible outcomes. Claudia strives to be a resource not just for her clients, but for her referral partners—helping them strengthen their own businesses by adding value, education, and creative mortgage solutions.
Contact Information
claudia@imbrokers.net
925-408-5663
Located in Centennial, CO
What does SHE stand for?
SHE is more than a leads group - SHE Leads Group exists to support women in business development roles. SHE Members are women in business who appreciate the role many women have being a full-time caregiver to loved ones and advancing their full-time career or business. The letters “S H E” stand for Supporting Heart & Enterprise ®. Heart is our families, or anything near and dear and personal to us. Enterprise is our business or career. Members are expected to uphold the values and culture for which SHE stands. Every member of SHE Leads Group should desire to be a resource to each other. SHE Leads Group is more than just a leads group. We are a group of supportive women who truly want to help others in any way possible.