What Kind of Loans Do We Offer?

Listed below are some of the more common types of loans that we provide.  When we pre-approve you for a mortgage, we discuss your goals to make sure we are recommending the best possible loan for your particular situation.

Learn More About Home Loans on Our Blog

We Can Lower Your Monthly Payments

Did you know the average household in Denver owes $11,500 in credit card debt? The average household credit card debt in Aurora is $12,000. In Lakewood, it’s $10,000.  In Highlands Ranch and Boulder, it’s $15,000. The average interest rate for existing credit card accounts is 14.14%.  For new accounts, it’s 19.24%. Let’s assume you are […]

Don’t Pay Off Your Collection Accounts

Many people have late payments, collections, and charge-offs showing on their credit report.  Did you know that in many cases you do not have to pay off collection accounts and charge-off accounts to qualify for a mortgage? Here’s what you need to know. If you are getting a conventional loan (a non-government loan), chances are […]

Selling Assets for Your Down Payment and Closing Costs

Sometime, homebuyers don’t have enough money for the down payment or closing costs when they apply for a mortgage, but they do own assets that they can sell to get the money.  There are rules that must be followed, however, and it’s good to know those rules before selling assets or assuming you can use […]

Paying Off Debt to Qualify for a Mortgage

Many people who apply for a mortgage have significant amounts of other, non-mortgage debt.  Sometimes, those other debts prevent them from qualifying for a mortgage because the payments on the other debts cause their debt-to-income ratio (DTI) to be too high.   We are often asked if you can pay off or pay down the balances […]

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