About Us

Working for you & NOT the Banks!

Markets Served: Colorado, USA

They say if you laugh, think, and cry in one day, you’ve lived a full life.

If that’s true, then mortgages have given me more life than I ever asked for.

I started in 1999 at Wells Fargo. I was in college, saw a newspaper ad:

“Do you make $10 an hour?”

That ad is something I wish I could frame, because it changed the course of my family’s story.

I became a file runner. Every day, I walked paper files to Loan Registration. That was it. Just me, those folders, and a hallway I knew better than anyone.

And you know what happened down there?

That’s where I met my wife.

This business didn’t just give me a paycheck, it gave me everything. A marriage. A family. A future.

My daughters, Amelia and Nina, inspired the name Two Doves. It’s for the peace they bring, and the strength they give me to keep going.

I’ll be real, this industry can be brutal. But I’ve helped over a thousand families buy homes. I’ve fought bad appraisals, used seller concessions to wipe out debt, and gone head to head with underwriters to make things happen for people who were told “no.”

I don’t want to just be good at what I do, I want to set the standard.

This isn’t just about loans.

It’s about life. Legacy. And getting it right.

I’m Philip Chavez. This is Two Doves Lending.

Let’s build something that matters.