The Colorado mortgage team at Milestone Home Mortgage separates strategy, communication, processing, and closing coordination into clear roles. Meet Michael Shotnik and the people who help clients move from the first mortgage conversation through underwriting, closing preparation, and funding.
Broker-Owned
Direct access to Michael for strategy, pricing, and difficult scenarios.
5.0 Rating
From 145 Google reviews as shown on August 27, 2026.
Clear Roles
Know who to contact and what happens during each stage of the loan.
Broker and Owner
NMLS 218281
Michael leads mortgage strategy, loan-program comparison, preapproval, pricing decisions, and complex scenario analysis. He works directly with homebuyers, homeowners, investors, and real estate professionals to identify the financing structure that best fits the actual transaction.
His approach is consultative. Instead of beginning with one product or an advertised rate, Michael compares payment, cash to close, reserves, income documentation, property considerations, expected ownership timeline, and the tradeoffs between available options.
Michael began his residential mortgage career in a mortgage call center, where he learned how much clear advice and responsive communication affect the borrower experience. His industry recognition includes Mortgage Professional America Young Guns, National Mortgage Professional Magazine 40 Under 40 Mortgage Professionals to Watch, and the Mortgage Professional America Hot List. Milestone Home Mortgage has also appeared in the Denver Business Journal Book of Lists for area mortgage companies.
Outside of work, Michael enjoys time with his wife and four children, golf, cycling, and Colorado’s outdoor lifestyle.
Loan Officer Assistant
NMLS 1950395
303-800-4595 ext. 2
shaunna@mhmtg.com
Shaunna helps clients stay organized and informed from application through closing. She assists with document collection, loan milestones, borrower questions, communication with transaction partners, and the follow-through required to keep a mortgage moving.
As a Colorado native, Shaunna brings a relationship-focused approach to the process. Her role is to make sure clients understand what is needed, what has been completed, and what comes next.
Outside of work, Shaunna enjoys fitness, hiking, cooking, and time with her three children.
Mortgage Processing Partner, Clear to Close Inc.
NMLS 1584892
949-395-5392
Linnea@CTCProcessingTeam.com
Linnea works with Milestone Home Mortgage as a mortgage processing partner. She coordinates documentation, underwriting submissions, conditions, title and insurance items, and closing preparation while helping the loan team keep borrowers and transaction partners informed.
Her detail-oriented approach helps move files from the initial processing review through underwriting and funding. Outside of work, Linnea enjoys reading, fitness, outdoor activities, and time with her family.
A mortgage involves several decisions before it involves a closing date. Our Colorado mortgage team uses the roles above to help you know where to start, who is handling a question, and what information is still needed. The goal is an organized conversation, not a series of unexplained document requests.
Begin with Michael when you are exploring a purchase, weighing a refinance, or trying to understand a more complicated move. Share the price range, monthly payment you are comfortable with, available funds, income sources, and timing. Mention a home you need to sell or a recent change in employment early. Those details help shape the options worth comparing.
The Colorado homebuyer guide explains the larger purchase sequence. For a move involving two properties, the buy-before-you-sell guide introduces the questions to bring to your discussion. Neither a planning conversation nor a preliminary estimate guarantees loan approval.
Use your loan team’s requested secure channel for financial documents. Shaunna can help with document follow-up and milestone questions, while the assigned processing partner coordinates the underwriting package and outstanding conditions. Michael remains the starting point when you need to revisit your financing strategy, compare costs, or discuss a material change in the transaction.
Tell the team promptly about changes to the purchase contract, employment, financing plans, or funds you expect to use. Ask who owns the next action and which deadline it affects. If a request is unclear, ask what document is needed and why before sending a substitute that may not address the requirement.
Keep the discussion focused on the remaining conditions, final documents, cash to close, and coordination with the closing provider. The mortgage loan process guide gives you a reference for the steps. Underwriting approval and funding remain subject to the lender’s requirements; the team should explain the status of your individual file rather than promise an outcome before review.
Look for clear answers about costs, realistic explanations of eligibility, and a communication style that works for you. The CFPB Loan Estimate explainer shows where the loan officer’s information appears and explains how to check licensing through NMLS Consumer Access. Use the NMLS identifiers listed in the profiles above when reviewing the relevant professional’s record.
Our Colorado mortgage team welcomes specific questions. A productive first call can be as simple as: What are my realistic options, what information is missing, and what should I do next? Read client reviews for individual experiences, then discuss the facts of your own situation with us.
1. Strategy and Preapproval
Michael evaluates the goals, numbers, loan options, and transaction structure.
2. Communication and Coordination
Shaunna helps organize documents, milestones, questions, and communication throughout the file.
3. Processing Through Closing
Linnea coordinates the processing and underwriting workflow while the team prepares for closing.
For a new mortgage question, purchase plan, refinance analysis, or preapproval, begin with Michael. Existing clients can also contact Shaunna for document and loan-status support.
You do not have to decide to buy before finding out what buying would look like.
Maybe your lease is coming up. Renewing feels familiar, and buying feels like a bigger payment, a bigger commitment and more questions than you have time to answer.
Still, you catch yourself looking at homes. Part of you wonders whe...
Michael and Melissa are always a pleasure to work with. They are extremely responsive, professional and work hard to get the best loan for us. I would recommend Colorado Mortgage to anyone. Thank you for another great experience!
Milestone Home Mortgage LLC NMLS #2588937. Michael Shotnik NMLS: 218281, CO License: 100017466. Not licensed in Alaska or New York. To check license status of mortgage loan originator, visit D.O.R.A. and NMLS consumer access.
