Premier Mortgage Loan Application

About Lou Barnes

Lou is our credit-market oracle:  a new posting every Friday noon under the “Credit News” icon, written in the voice of a bond trader overdue for his martini. No fluff, no blue-sky predictions, afflicting partisans of all affiliations, real-time right-now news. (Data sources: a half-dozen newspapers each day), Bloomberg (web and Asia), CNBC, old bond-market pals, asset managers, the best real estate brokers, all filtered through a crap detector developed during thirty-one years of real estate finance.

For mortgage background that many in the industry are reluctant for consumers to see, have a look at the “Essentials” icon.

The old crank will look for your e-mail all day, every day, and will be notified instantly when you “Apply Online” above, but phones are his first priority. Clear and quick only on the phone: your stress level, experience, urgency, temper, humor….

Lou’s qualifications are all in the resume below, except for holding the modern record for number of times to drop out of Brown University without achieving a degree.

RESUME – Louis S. Barnes II


Premier Mortgage Group, 2009-Present. Mortgage banker. Author/publisher (1988-present) of Mortgage Credit News, a national weekly newsletter.

Boulder West Financial Services, 1990-2009. An owner of this diversified mortgage bank, and its principal producer. The firm’s annual loan volume was in the two-hundred-million range.
Author of a finance column for the Boulder Daily Camera (1992-2004).

Universal Lending, Denver, CO 1988-89.
Opened the Boulder County market for this mortgage bank.

RCM Government Securities, Inc., Boulder CO 1983-87.
Managing Director and Partner. RCM was a broker/dealer specializing in private placements of mortgages and related securities. Advisor to public sector investors. Consultant to troubled S&Ls and their regulators; authored one of the first accurate estimates of the cost of the S&L bailout.

Spruce Real Estate, Inc., Boulder CO 1978-83.
Executive Vice President and President while building Spruce to 45 Sales Associates in its Boulder and Longmont offices. Created one of the first buyer-oriented sales strategies. Personally brokered homes, commercial buildings, developments, and condominium conversions.

Holubar Mountaineering Ltd., Boulder, CO 1973-78.
Marketing Manager for this outdoor equipment retail, catalog, and manufacturing firm. Supervised product managers for all merchandise; scored several industry-wide firsts in design and product mix.

World Wide American Time Corp., Detroit, MI, 1972-73.
Operations Manager. Imported all product; responsible for currency risk, house account sales, assembly crews and vault security (our products were timepieces).

Harvey Ltd., Providence, RI 1969-72. An upscale haberdasher: Men’s Department Manager while in college, and after.


The Choate School, Wallingford, CT.
Brown University, Providence, RI.

Colorado Real Estate Broker (1978-present). University of Colorado Certificate in Real Estate (1978). National Association of Securities Dealers Principal and
Sales Licenses (1984-91).

President (1983) and Director (1980-83) Boulder Area Board of Realtors. Chairman, Colorado Association of Realtors Mortgage Committee (1979-82); helped invent some of the first adjustable rate mortgages. Various Boulder City Council Committees. University of Colorado: Lecturer in finance, Chancellor’s Committee for University Land Use.

Married, two children. Interests include politics and history; cross country skiing; xeric gardening with flowering native perennials and shrubs. A pretty good bridge player, and a dedicated football fan.