Meet Our Expert Team

I have been helping families achieve homeownership since 2017. My career began with cold calling prospective home buyers and real estate agents, an experience that gave me a strong foundation of product knowledge and determination. Over the years, I have worked on the correspondent, banking, and broker sides of lending, giving me a unique perspective and a deep understanding of how the mortgage process works from start to finish. My top priority is providing clients and agent partners with clear communication, attention to detail, and a smooth experience. I look forward to guiding you and your family through the next step of your homeownership journey. I have been married for four years to my beautiful bride, Jessica. We have been together for eight years and have two wonderful boys, Drake and Grae. In my free time, I enjoy spending time with my family, snowboarding, and exploring new sushi restaurants with my wife.

Welcome! I’m Brad Hawkins, a Home Loan Advisor with Pathway Home Lending, where I specialize in guiding clients through every aspect of the mortgage process. With over 33 years of professional experience in financial analysis, accounting, banking, taxes, and mortgage lending, I bring a comprehensive understanding of finance to each client I serve. I have had the privilege of working with a wide range of clients—from first-time homebuyers taking their first step into homeownership to current homeowners refinancing or moving into their next property. I know that no two situations are alike, and I pride myself on creating lending solutions tailored to each client’s unique goals and needs. About Me A Colorado native, I grew up in Westminster and earned my BSBA in Finance from the University of Colorado Boulder (1992). I love everything this state has to offer—whether it’s skiing the slopes in the winter, enjoying time on the water in the summer, or even taking advantage of those rare weeks where I can go water skiing and snow skiing all in the same week. If you’re considering purchasing your first home, making a move, or exploring refinancing options, I’d be happy to help you navigate the process with confidence and clarity.

Noah Steinbach is a Mortgage Loan Advisor committed to helping clients achieve their homeownership dreams through thoughtful, personalized financing solutions. He works with a wide range of clients, from first-time homebuyers to seasoned homeowners exploring refinancing or investment opportunities, ensuring each loan is structured to support both immediate needs and long-term financial goals. With a strong foundation in mortgage lending and client-focused service, Noah takes pride in simplifying what can often feel like a complex process. His dedication to clear communication, attention to detail, and proactive problem-solving allows his clients to move forward with confidence, knowing they have a trusted advisor on their side. Outside of the office, Noah enjoys connecting with his community and taking advantage of Colorado’s lifestyle, from the outdoors to local events.

Darrel Cates is the President of Pathway Home Lending, a veteran-owned mortgage brokerage proudly serving Colorado and beyond. With years of experience in mortgage lending, Darrel has built a reputation for providing clients with clear guidance, tailored financing strategies, and the confidence to achieve their homeownership and investment goals. Specializing in a full range of loan programs—including VA, FHA, conventional, DSCR, and specialty investor financing—Darrel works closely with both first-time homebuyers and seasoned homeowners. His hands-on, client-first approach ensures that every borrower receives not only the right loan solution, but also the education and support needed to make empowered financial decisions. A U.S. veteran, Darrel brings a deep sense of service, integrity, and discipline to his work. He has also expanded his impact by creating continuing education courses for real estate professionals, helping agents strengthen their knowledge of underwriting and lending. Outside of the mortgage world, Darrel is a dedicated family man, entrepreneur, and community leader. Through his nonprofit, Operation Fayth, he and his family work to bring joy and support to children facing adversity.

Ginna Stauble is a seasoned mortgage professional specializing in Debt Service Coverage Ratio (DSCR) loans and investor financing strategies. With a strong focus on helping real estate investors expand their portfolios, Ginna provides tailored lending solutions designed to maximize cash flow and long-term returns. Her expertise lies in structuring creative financing for both new and experienced investors, ensuring each deal is optimized for growth and sustainability. Whether it’s single-family rentals, multifamily properties, or short-term rental investments, Ginna leverages her in-depth knowledge of investor loan products to guide clients toward smart, scalable financing options. Known for her strategic approach and commitment to investor success, she has built a reputation as a go-to resource for clients seeking to navigate the complexities of DSCR lending.