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How it All Began

In 2000, I was at a crossroads in my career. I had been originating since 1993 and was discouraged working for big companies/banks. I wanted to create a place where it was fun to work and to get a mortgage.
I took the leap of faith to open Home Team Lending with one team member. I sat down and created a list of the “ideal loan process” with the customers experience as my guidepost.
One of my favorite sayings is, “You’re either Green & Growing, or Ripe & Rotten.” From day one, I have continued to try to constantly grow.
Meet Tonya Jenkins

My Purpose

To create long-lasting relationships with my clients by providing professional and high-quality lending services in a welcoming environment.
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Mortgage Loan Originator

Tonya Jenkins - “TJ”

  • Honest
  • Teamwork
  • Detailed
The things that I get excited about are crunching numbers, learning about my industry, helping people grow, and fostering relationships.
I am passionate about helping motivated buyers, homeowners, and agents to understand the complicated mortgage process. I love making the numbers make sense so that you can make a solid decision when it comes to financing the biggest purchase of your life.

The reasons I have a day job:

  • My boys – including my husband of over 30 years, my German Sheppard, goldendoodle mix, Smokey, and my three sons, Durango, River & Keith.
  • Cooking – I plan my entire day around my meals. I love being in my kitchen with my apron on.
  • Bike riding – I love to be outside on a trail and feeling the wind in my face. I see and smell more when I am on my bike.
  • Numbers – yes, even when I am at home, I love working with numbers. Excel is my friend.

Little-known fact

My father was in the Air Force, so I am a military BRAT. I was born in Seville, Spain and lived in Japan while I was in 8-10th grades. When he was stationed in the states, we were always in Colorado.

Are we a good fit?

30 years in the mortgage business| Opened Home Team Lending in 2000 | Certified Mortgage Lender | Greeley Area Realtor Association Affiliate of the year twice 1996 & 2014 |I have Taught Homebuying classes for 10 years | Greeley Area Chamber Member | Leadership Weld County Class of 2017-2018
I was always told if you can’t say it best yourself, find someone else to say it for you…
“TJ is such a fantastic person to work with. The entire Home Team was quick, organized and so helpful. We will definitely use them again in the future.”
- Melissa S.
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At Home Team Lending, we’re here to make your home buying or refinancing journey simple, stress-free, and tailored to you.
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© 2025 Lower, LLC is a subsidiary of Lower Holding Company. NMLS #1124061 8621 Robert Fulton Drive, Suite 150, Columbia, Maryland 21046 | nmlsconsumeraccess.org | equal housing lender. Licensed in 45 states including the District of Columbia | Arizona Mortgage Banker License--1000936 | Massachusetts Mortgage Broker License -- MC1124061 |  Massachusetts Mortgage Lender License --  MC1124061 | Lower, LLC conducts business in Kentucky, and Washington as Lower.com, LLC; Montana as Lowerdotcom,LLC; Oklahoma as “Lower Mortgage, LLC.

Lower, LLC is a family of companies. Lower® and its DBAs (AMSW Lending, Alderus Mortgage, AMSW Lending, Community Lending, Fairfax Mortgage, First Trust Mortgage Company, First World Home Loans, Hamilton Home Mortgage, Heckman Mortgage, Homeside Financial, Home Team Lending, Key Mortgage Group, McCaughan Home Lending, Oxford Home Lending, lower.com, PowerTPO, Sky Mortgage Group, True Lending, Universal Lending Home Loans, Yes Mortgage) provide home loans; Lower Realty, LLC provides real estate services; Lower Insurance, LLC facilitates shopping experience for homeowner’s Insurance policies.

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