CONSENT OF COUNSEL


     The consent of Allen G. Reeves,  P.C., of all references  made to it in the
Prospectus  included  as a part of this  Registration  Statement  on Form S-1 of
Advanced  Financial,  Inc.  and in all  Amendments  thereto are  included in its
opinion filed as Exhibit 24.1 to the Registration Statement.


                                      ALLEN G. REEVES, P.C.


                                       By: /s/ Allen G. Reeves
                                           ------------------------------------
                                           Allen G. Reeves

Denver, Colorado
August 20, 1996