Cherry Creek Mortgage

Get to Know Lou Barnes

Lou is our credit-market oracle:  a new posting every Friday under the “Credit News” icon, written in the voice of a bond trader overdue for his martini. No fluff, no blue-sky predictions, suspicious of political partisans of all affiliations -- just real-time news, filtered through a crap detector developed during thirty-nine years of real estate finance.

Lou will look for your e-mail all day, every day, and monitor phones. Texting is beyond him. Phone is best, very quickly revealing your stress level, experience, urgency, sense of 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.

R E S U M E                                                                     

Louis S. Barnes, II



Premier Mortgage Group, 2009-present.

Mortgage banker.

Author/publisher (1988-present) of "Mortgage Credit News," a national weekly newsletter, syndicated by Inman Features since 2000.

Boulder Daily Camera: Editorial Advisory Board (2013-2016), finance columnist (1992-2006).

Boulder West Financial Services, 1990-2009.         

An owner of this diversified, “A”-paper mortgage bank, and its principal producer. The firm's annual loan volume ranged $100-$200 million.


Universal Lending, Denver, CO 1988-89.

Mortgage banker. Opened the Boulder County market.

RCM Government Securities, Inc., Boulder CO 1983-87.

Managing Director. RCM was a broker/dealer specializing in private placements of mortgages and related securities. Invested public sector funds. Consultant to troubled S&Ls and their regulators; authored one of the first accurate estimates of S&L losses.


Spruce Real Estate, Inc., Boulder CO 1978-83.

Executive Vice President and President while building Spruce to 45 brokers in its Boulder and Longmont offices. Created one of the first buyer-oriented strategies. Personally brokered homes, commercial buildings, developments, and condominium conversions.


Holubar Mountaineering Ltd., Boulder, CO 1973-78.

Marketing Manager for this outdoor-equipment pioneer; a retail, catalog, and manufacturing venture. Supervised product managers, scored industry firsts in design and product mix.


World Wide American Time Corp., Detroit, MI, 1972-73.

Operations Manager. Imported all product, responsible for currency purchases, some house account sales, assembly crews and vault security (our products were Swiss and French 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 MortgageCommittee (1979-82); helped to invent some of the first adjustable rate mortgages.

Various Boulder City Council committees.

University of Colorado: Guest Lecturer in Finance, Chancellor's Committee for Strategic Planning.

Instructor, Real Estate Continuing Education



Married, two children.

Interests include politics and history, native xeric landscaping, and fitness. Not bad at bridge, and a dedicated football fan.

Good words from clients

  • My wife and I have been repeat mortgage financing customers of Lou's for years. Just turned down a builder's discount to get the streamlined, quality service I can trust from Lou and his crew.

    Jonathan H.
  • Lou was incredibly professional and proactive on our behalf! He guided us from start to finish.

    Jeanne B.
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