Our Lenders

Bank of Colorado

  • NameCole Sjoholm
  • License681575
  • Phone970-930-5288
  • Get Started

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I love what I do and I love where I do it!

I am the person that will explore every option to help you uncover the best possible way to finance your home. It is, after all, the largest expense that you’ll be paying on during your life.

I have been with Bank of Colorado for 13 years. My experience includes 5 years and over 500 hours of completed coursework specific to the Residential Mortgage industry. Prior to working at Bank of Colorado Mortgage Division, I was a Bank of Colorado Branch Manager for 8 years specializing in consumer and commercial underwriting, tax return analysis and loan structure.

I strive to treat my clients the way they expect to be treated. Returning calls, texts and emails within the same business day. I am upfront and honest about any obstacles that may need to be overcome in order to get your loan approved. I will be dedicated to helping you achieve your goal of homeownership.

Bank of Colorado Mortgage offers competitive products and value, second to none:
  • Conventional Loan (Fannie and Freddie)
  • Jumbo
  • FHA
  • VA
  • USDA Rural Development
  • Long-term fixed rate Agricultural loan program
  • Reverse Mortgage

I am based in Grand Junction and can originate loans throughout Colorado. I am also Nationally Registered. I offer several convenient ways to inquire or apply for a home loan:
  • www.bankofcolorado.com/csjoholm
  • In-person consultation in my office or your place of preference
  • Phone consultation at 970-930-5288.

With my experience, hard work, dedication, and loyalty - I look forward to showing you a different way of Mortgage Lending!

Major Mortgage

  • NameTor Hayward
  • License174592
  • Phone970-261-6333
  • Get Started

Ask A Mortgage Question


Devoted Husband and father of 5. I was born and raised in Grand Junction, CO and have always called the Western Slope "home". My Hobbies include traveling with my family, hunting and outfitting on our family ranch and golfing. With over 25 years in the Mortgage industry, I can promise that my team and I will make your home-buying or refinancing process the most seamless yet!

About Weichert, Realtors - Heiden Homes Realty

Heiden Homes Realty, a Grand Junction based company, was founded in 2003, by owner and managing broker Toni Heiden-Moran. Toni established Heiden Homes (a Limited Liability Company) after serving as one of the top Realtors in Mesa County while working for locally owned companies and franchise operations in Grand Junction. She joined national franchise Weichert, Realtors in 2016, becoming one of the first four Weichert offices in Colorado. The franchise features offices in 39 states, and offers a relocation service, a unique leads network for buyers and agents, and an award-winning training session for new agents. Toni earned her real estate license in 1978 and is one of the most experienced Grand Junction Real Estate agents, with extensive knowledge of the real estate market in Colorado. While partnering with Weichert, her office is still independently owned and operated.

Weichert, Realtors – Heiden Homes Realty features real estate agents who offer services to buyers and sellers of residential and commercial real estate, from Durango to Denver. The company also has an Agent Referral Program, designed for retired agents who retain an active Colorado real estate license and who refer clients to the main office. The company has added a Property Management branch, Heiden Property Management, managing rental properties.

In summary, Heiden Homes Weichert Realty offers some large company dynamics that mesh with a local, family-friendly culture to help serve clients of various needs. Whatever your needs are regarding Grand Junction Real Estate and homes for sale in Grand Junction, Heiden Homes Weichert Realty can help!

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