It's no secret, mortgages are complex and getting one is one of the most difficult parts of home ownership! As a mortgage brokerage our job is to find the best program for your situation and source your loan from a quality lender with low rates. Are you self employed? Do you have a lower credit score? Do you need help with a down payment? We have access to programs for that! Sit back, and let us go to work for you.
Whether you are self-employed and trying to get a mortgage for your first home, a seasoned investor that can't qualify due to taxes, needing to pull cash out of your home, or a regular W-2 looking for the best rate- we have access to great programs with the lowest rates.
Conventional mortgages are ideal for borrowers who have a "typical" employment, financial, and credit situation. With a conventional mortgage you'll have access to low rates and no mortgage insurance when you fall below a 78-80% loan-to-value ratio.
FHA, USDA, AND VA loans are government subsidized loans. Since the government guarantees these loans, they often come with the lowest interest rates and as little as 0% down payments on purchase loans! They are ideal for borrowers with limited cash to put down, or for those with credit challenges.
If you have equity tied up in your home, or even if you are just looking to lower your monthly payment or interest rate, a refinance may be a great option for you. The equity in your home may be put to better use by paying down high interest debt, investing in a higher yielding investment, or even by further increasing your home's value by using the equity in your home to pay for remodels or additions!
A bank statement mortgage is ideal for borrowers who have good income, but difficulty verifying that income on their tax returns or through other traditional means. By using 12-24 months business OR personal bank statements, you can reap the rewards of self-employment AND purchase or refinance a home.
DSCR loans are ideal for real estate investors that are running into debt-to-income ratio issues when acquiring new investment properties. With a DSCR loan you do not need to provide income verification, rather, the loan is qualified based on the appraised rental value. You can purchase and refinance investment properties up to 90% LTV with NO mortgage insurance!
For borrowers that are looking at purchasing a new home but are lacking a hefty down payment, there are programs, options, and strategies that we can guide you through. Ask us about them today!
Do you know how much money you are throwing away every month by carrying hefty balances on high interest credit cards? Do you feel trapped?
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Get a free no obligation analysis from a professional, and find out exactly how much you could be saving every month with a cash-out refinance!
Platteville Colorado
Mortgages are complicated- that's why we're here for you! Ask us about our free services, and how we can help walk you through the complicated process of getting a mortgage.
Find out how much home you qualify for
Strengthen your offers on home purchases
Eliminate stress and guesswork when shopping for a new home
Find out your rate
Find out how much you could save per month
Get a free estimate on your home's value
Compare the costs of different cash out options
Find out how much equity you can tap into
Compare rates and monthly costs on different loans
Compare different down payment options
Find out which loan program best suits your needs
Aurora Colorado
As mortgage brokers, our job is to help guide you through the many pitfalls along the way to homeownership. We'll work on your behalf to find you the right loan program for your situation. Whether you're self employed looking to refinance or purchase, or you're a first time home buyer trying to find strategies to get into a home with as little money down as possible- or anything in between, we can help!
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