TEAM DIRECTORY

Seth Van Essen

Mortgage Banker

SVanEssen@encompass.com

Office: 303-302-3126 | Fax: 303-689-3176

6025 S. Quebec Street, Ste. 120, Colorado Springs, CO 80111

NMLS# 777173

Meet Seth

• Mortgage industry veteran.
• Married, father of twins.
• Home owner
• Littleton, Colorado born and raised.
• Directly involved with my church and community.

 About Peoples Bank

• Peoples Bank closed over a billion dollars in mortgages helping our customers realize their dream of home ownership.
• Peoples Bank is a family owned, community bank that’s put customers first in everything we do for more than four decades.
• There is never any charge to sit down with you for a home-buying counseling session or set up a phone call to go into further details.

 I look forward to helping you with your next mortgage.

One of the best places to start the process is to fill out your secure online loan application.

"Seth is incredible! He went above and beyond to help my client get a loan." - RE Agent Katherine

"Great customer service and willingness to answer my questions. Fast process!" - Joni K.

"They were so great, always willing to answer my question and get back to me quickly!" - Julia W.

"Seth and his team were a pleasure to work with. The process was easy and seamless." - Natalie M.

"Seth and his team were amazing to work with! This was our first home-buying experience and it could have been very overwhelming, but working with Seth's team made it an incredible experience. We cannot say enough good things about working his team, who we could depend on and trust through this process!" - David H.

"Seth and his team at Peoples Bank were phenomenal. I went under contract on the 2nd of the month and closed by the 22nd. With Seth and his team, I was never worried that they would help me through the mortgage process. Could not be more happy." - Sarah P.

"We got the loan taken care of quick and easy. Communication was really great. Seth and his team did an outstanding job. I also really liked the informative videos." - Kevan A.

“The process went extremely well. Significantly faster appraisal situation than with one of the big banks. Seth has excellent customer service.” – Paula A.

“I am very happy with what they have done for me and my family to get our dream home.” – Saba H.

"Seth and his team did a great job of keeping me informed from the beginning all the way to closing. Even working with me on rates during a somewhat volatile market after the election! Great job!" - Carlan D.

"All staff members were prompt, friendly, and efficient with all steps of the lending process. Low stress experience.” - Eric B.

“We received excellent service and timely responses. Smooth process with Peoples.” -  Randi W.

"This was my very first home buying experience and I couldn't have been more pleased. Everyone went above and beyond my expectations. I highly recommend to all of my friends and family." - Jenniffer R.

"Seth and his team provided professional and timely service. They were all very responsive and made my refinance easy." - Gary D.

"All processing was very informative. Good experience." - Kelly Z.

"Very smooth process. Staff was readily available by phone to assist me with the process." - Corey L.

"Seth was very professional, efficient, and available. He answered all of my questions and made the process smooth." - Christian R.

"I have worked with Seth Van Essen for many years and refer numerous clients to him. I also work with him personally on my transactions. His knowledge is exceptional and when he confirms that we are pre-approved, I can always rely on properties closing. I have given him many extremely difficult transactions over the years and he is very solutions oriented - the reason we closed was because of his knowledge. I have also had other buyers who insisted on using their lenders and have called Seth to help out when they encountered difficulties. I am very selective in who I refer people to and Seth is definitely the "A Team"." - Chris M.

"Seth and his team were wonderful to work with. I was out of the country on multiple occasions when making on offer on a home, Seth was able to get lender letters out and was able to make my loan offer as good as a cash offer. He was a huge help in getting the home I wanted in a crazy market. I will use him again." - Erin P.

"This is the now the third time I've worked with Seth and his team. I continue to come back because of Seth's commitment to my goals, understanding in what we're after, and that he always finds ways to thinking ahead for and with us. I can honestly say I would not use any other Mortgage Banker than Seth." - Clayton H.

"Seth and his team thought outside of the box multiple times to creatively figure out the pieces of the puzzle during the entire process of refinancing our primary house and investment property simultaneously." - Michael F .

"We had an overall great experience with Seth and the team at Peoples. They handled every detail with professionalism and expertise.” - Robert B.

“Everything was handled very well. All of our questions were answered in a timely manner.” - Nicolas C.

“My girlfriend and I had a great experience with Seth and his team. They made a very time consuming process easy and understandable. Would definitely recommend!” - Jeremy V.

“The whole process was easy. Always quickly answered my questions and made me feel valued.” -Katherine V.

“This was the second time we have worked with Peoples Bank and had two different mortgage teams.  They were both very responsive and diligent. They took the time to explain everything, answer any questions and made the process run smoothly and easily.” - Anthony B.

“Seth was awesome, stuck with us through several hoops and hurdles!” - Chad M.

“Seth and everyone that I encountered during the process at Peoples was awesome to work with!  Everything was clearly communicated, and I had an excellent experience with the whole process.  Thank you for your time and support--you made refinancing my home entirely painless.” - Pamela L.

“Seth was great from day 1! He was responsive and super easy to work with. He answered all of my first-time-home-buyer questions with patience and clarity. In addition, he made it clear that he and his team was available if I ever needed anything. The rest of the office staff at Peoples, including Vanessa, was also very professional and prompt. I would recommend using Peoples for any of your mortgage needs!” - Amy S.

“Seth, Kay Beth, Traci and the team were excellent!  We were first time home buyers and they answered any and all questions we had.  The team is so organized and efficient, which helps ease the stress of buying a home. Thank you!” - Justine R.

“Seth, Del, and the team were different from other professionals at financial institutions, in the level of personalized service from initial approval to documentation to underwriting.  My mortgage was completely crafted to my comfort level as opposed to a generic formula that fits an ambitious "majority" but not the individual.  There was only one instance of a "can't do" and thereafter I experienced knowledgeable, creative thinking to find the most comfortable options for me.” - Vasana D.

“The whole team was easy to deal with. Everyone was friendly, professional, and answered all our questions quickly. I was happy with the interest rate, the pricing, and how it was all explained to us. Clear and timely Communication is such an important part of any business and you all did a great job. I will absolutely recommend Peoples to friends/family.” - Jeffrey M.

“Seth and his team were amazing to work with: very proactive and highly responsive to every inquiry.  The selling realtor we worked with is asking all of her lenders to follow Seth's model of involvement, which is a testament to his dedication throughout the closing process.  I would highly recommend anyone in need of a mortgage to give Seth a call.” - Andrew M.

“Buying a home can be a very overwhelming and stressful process, however, Seth and People's bank made our experience the best possible!  From the beginning to the end of our experience we were treated with the upmost professionalism.  Whenever we had a question we were called or emailed back immediately.  Every step of this process we were kept in full contact. Seth made our purchase of our dream home possible and for that we are forever thankful.  I would and will recommend him to my family, friends and co-workers.  Thank you, for all your hard work!” - John Y.

“Seth was always able to drop what he was doing to answer questions my wife and I had. He was a great resource, and always very comforting and knowledgeable about walking through the sometimes confusing mortgage process.” - Nathan J.

“Before purchasing a house, I changed the structure of my business to be more tax efficient. Despite having excellent credit and five years of history running my business, several large banks turned down my loan application, claiming that I was a "new business owner." I had been a customer of one bank for 20 years. Seth took the time to understand my situation and properly underwrite my loan request. He funded my loan inside of 30 days at a favorable rate.” - Stephen C.

“Seth and his team were amazing.  Had we not worked with Seth, we would not have closed in such a short period of time.  We were completely confident and satisfied with Seth's work.” - Thomas H.

“Everything was easy, easy to understand, easy to talk to, easy to get answers, easy to sign papers, etc. they came to me or signed online-was not a headache but enjoyable experience, thank you.” - Susan A.

“Was great. Everything was explained very well for first time buyers.” - Hailea S.

“Seth and his team were great to work with and made it a smooth closing process!” - Dalyce Y .

“Seth was fantastic to work with. He's knowledgeable, attentive, friendly and thorough. We couldn't have asked for much more and will gladly refer Seth to others.” - Michael W.

“Very client friendly experience, yet very complete and efficient.  Would absolutely use Seth again!” - Timothy T.

“Seth and his team did an outstanding job. They had my financing, approval, and closing in a timely manner as we only had a short time to relocate.” - Robert M.

“My home buying experience with Peoples Bank was excellent. From the very beginning all the way to closing Seth and his team provided exceptional customer service, answered all the questions I had right away, and provided helpful information throughout the entire process. I had no idea the process could be so smooth.” - Emma E.

“Seth was an amazing mortgage lender. He was efficient always on top of things. We loved working with him and his team. I would recommend him to anyone trying to buy a home.” - Joshua H.

“We had purchased two houses in the past and this time it was so easy and smooth. Signing documents online was great. If we had any questions Seth and his team were always available for answers. We are happy we chose Peoples Bank. Thank you!” - Robert M.

“This was my first home-buying experience, so I felt very overwhelmed by all of the information and things I needed to do. Seth and his team not only laid everything out in a manageable way, but he also thoroughly explained everything so I understood what was going on.” - Vincent N.

“We found this to be very wonderful way to get a loan from you. Thank you very much.” - Bill D.

“Great guy who knows how to get stuff done.” - Michael M.

“Seth was very informative and worked hard in finding the best finance possible for our family.” - Bryan G.

“You guys did your best to help us get as much out of our money as you could. We were glad you helped us pay down some debt in the buying process.” - Kade G.

“Seth and his team were very professional while still being very supportive during this process...he cares about his clients and you can feel that he cares!!!! He makes the process easy to understand.....we will always use Seth!!!!!!” - Melissa M.

“Working with Seth first, then Kay Beth and Eric was very satisfying and all my questions were answered quickly and completely, which meant a great deal to me.” - Lani W.

“I used Peoples Bank with my first home purchase and the experience was superb.  Seth was very informative and patient as I learned the process, and his team was equally supportive.” - Mirelle R.

“This was the easiest mortgage closing I have ever experienced.  Once we filled out the form and provided all the backup documentation Peoples did the rest.  All we had to do was sign the papers.” - Mark M.

“The overall experience was very easy, the team was helpful in explaining what was needed and where we were at in the process.” - Brian T.

“Overall great experience. Was informed of what was going on during the entire process.” -  Jennifer W.

“Very easy to work with excellent service and so friendly. Highly recommend.” - Dennis C.

“My experience with Peoples National Bank was fantastic. The team that worked with me provided great service. They responded quickly to any calls or emails regarding my loan. They took great care and time to explain everything to me in a way that was easy for me to understand.” - Eric F.

“Seth is outstanding to work with.  I feel like I'm working with family and that he always has my best interest at heart.” - David B.

“Seth was able to convert my conventional loan in to a VA loan in a matter of days while anticipating all foreseen issues as well as providing contingency plans to ensure a transaction on time.” - Chad W.

“If I could rename Peoples Bank they would be called "The Ambassadors of Freedom". They fought with us for our home, which we love, and then have sought to financially free us from school loans with appropriate and wise refinancing. We were told that buying a house isn't a financial investment, but we have already seen that not to always be true, led by Seth.” - Brian T.

“The process by which Peoples took me through the lending requirements to execution was clear, professional, and with relatively little burden.  Mr. Van Essen was patient and helpful throughout the entire process, providing me with the information I deemed necessary to have a clear understanding of my responsibilities and those of all parties, and the steps involved.” - Matthew N.

“Seth is always professional, courteous, and kind!” - Hilary D.

“Seth and the Peoples Bank team were great to work with.  They were very responsible, professional, and handled the closing of our loan without any issue.  It was a great experience!” - Jonathan G.

“Working with Seth at Peoples Bank was seamless. He and his staff were very helpful and held our hands in navigating such an intimidating process.” - Luis E.

“From start to finish, the process was smooth and easy to manage. The team came through at the 11th hour to allow us to close on schedule. As first time home buyers, my wife and I couldn't be happier with the service and dedication of the team.” - Daniel H.

“My experience with People's Bank and Seth in particular was excellent.  Seth worked diligently to ensure that our closing went without incident.  He answered all of my questions professionally and addressed every concern that I brought up.” - Stephen J.

"Seth is a straight shooter, does what he says he is going to do. There were no surprises; that makes all the difference. Thanks.” - Dave W.

“Seth went above and beyond to help us close on our home. We had a short sale that took over a year to close and Seth stayed on top of all necessary paper work, and kept us informed of all documents we needed to have. I highly recommend Seth and will use him for future real estate needs!” - Christian T.

“Seth was incredibly helpful. He really worked with us to make sure we didn't end up paying more than we were comfortable paying each month. He made a very complicated process and easy as possible and our realtor was very impressed with Seth's quality of work. Our closing was a breeze. Very personable, professional and dedicated.” - Kevin C.

“Seth and his team are phenomenal. They work very hard to achieve 1 goal and that is to get your loan approved to get you into your house.” - Scott F.

“Seth and his team were the most professional group of mortgage bankers that I have ever done business with.  In particular Seth and his team demonstrated superb communication skills by keeping me informed about the mortgage process and quickly responding to my questions.” - Zachary C.

“Because of our limited down payment funds, we didn't think we'd be able to qualify for a home in our target area.  Seth made it happen!  We love our new home and it's all thanks to Peoples Bank.” - Laura C.

“I had a complicated situation dealing with the sale of a previous house and purchase of a new home. They were very helpful and patient. They helped make a very stressful situation run smoothly!” - Amanda K.

“Excellent explanations of the home buying and loan application process for a first-time home buyer.  Great personalized service and attention. Thank you.” - Elizabeth C.

“Seth and his team took good care of us.  They were always helpful and answered all of our questions throughout the whole process.  Thanks!” - Jeremy H.

“Seth made this process seamless.  Very easy to work with!!” - Brian M.

“Our entire experience with Seth and Marianne was both professional and friendly. Especially entertaining and informative were the video/ditties! Thank you Peoples for sharing with us such wonderful folks!” - Robert S .

“Seth was very nice and excited to help us first time home buyers with a tight timeline.” - Peter B.

“Seth and his team helped walk us through every step of the way and this was a very easy process.” - Andrew W.

“Seth was always available and his customer service was always excellent. I look forward to the next time we get to work with Seth, although it might be awhile!” - Jarrod D.

“We initially 'shopped around' for brokers, which was the advice friends and family gave us. It took no time at all to realize that Seth Van Essen and his team provide world class service. Seth got my husband and me a fabulous rate and was incredibly knowledgeable, as well as both patient and thorough with explaining details of the loan and home-buying process. Seth answered phone calls and emails lightning-quick at critical stages of our home-buying process. He and his team shepherded our mortgage through to approval in no time at all. The process was exceptionally smooth and seamless for us. And there was some great humor along the way, but I won't ruin the surprise! I highly recommend Seth and his team.” - Matthias S.

“Seth outlined everything I needed to do from start to finish.  He made this a very enjoyable experience.” - Zachary J.

“I was referred to Seth Van Essen by my realtor. Seth helped me with a mortgage on a rental property two years ago, and just helped me with another mortgage and a refinance. Both times, Seth went above and beyond to provide excellent customer service, and due to his knowledge and professionalism, my experience with Peoples Bank has been quite positive overall. I'd also like to thank Marianne for her assistance. She was thorough, responsive, and always pleasant, and I really enjoyed working with her. Many thanks to Seth and to Marianne for helping me through a complex process! I appreciate everything you both did for me.” - Karen P.

“This is our second mortgage with Seth. Both of our experiences have been excellent. Our first home buying experience was especially intimidating, but Seth did an amazing job of explaining the process and communicating at every step. We had a similar experience with this time and I would highly recommend working with Seth and Peoples Bank.” - Sean C.

“Seth is incredible- he goes above and beyond the call of duty and does everything in his power to make the lending experience informative and engaging.” - Cassidy B.

“The professionalism of the team that I worked with certainly was exceptional.” - Carla R.

“Seth and his team were extremely helpful in assisting us in purchasing our first home.  He was very thorough in explaining all the different steps in the process.  They were always easy to get a hold of and I always felt like they were on my side.” - Justin S.

“Seth and his team did a fantastic job every step of the way. Few deals are more challenging than when the buyer is self-employed. Not only were they able to handle the job, but they made it feel almost easy. Despite many hurdles throughout, I ended up walking away feeling like it was supposed to be much harder. Great job!” - Brian S.

“Seth and his team were very easy to work with.  They were able to help us stay within our timeline.  No obstacle was too big or small for them.” - Andrea G.

“For being first time home buyers, we couldn't be more pleased with how the whole process went. Seth was very helpful with every single question that we had and we didn't have any delays in getting to our closing day.” - Lucas R.

“You took on an impossible situation with my house and made it happened.  One reason this happened was because the lines of communication were always open.  You kept me informed every step of the way and you left nothing to change.  Because of this we worked well together, whatever you asked of me, I tried to deliver on a timely basis.  It was my pleasure working with you and I will always be grateful for your service.  You turned a 'no we cannot help' into 'yes we can.'  You have made me a very happy man!” - John H.

“The whole process was awesome, because I could just trust Seth and the whole gang!” - Joshua A.

“Fabulous. Seth and his team were knowledgeable hard working, and great people. The ingenuity of Seth was awesome. It is great to work with people who have both wisdom and knowledge.” - Aaron H.

“We received excellent service and timely responses. Smooth process with Peoples.” – Randi W.