How to find the Right Mortgage Company for Your Home Loan
Finding a mortgage company and lender that will lend on a mountain home in the Denver Foothills is sometimes challenging. It seems like there are national mortgage companies that are afraid to lend on a home in the mountains. They see the wildfires on the news and think the entire state is on fire. The truth is we rarely lose a structure from a wildfire. Some mortgage companies just don’t understand this fact.
Why use a local Mortgage Lender?
This means it is very important to choose a local mortgage company. One located in Denver, Evergreen, Conifer, Golden or the Denver Foothills. These mortgage brokers understand mountain homes. They understand wells, septic system, easements and encroachments. As lenders and mortgage loan officers, understand the big picture and understand the obstacles that other mortgage companies just don’t get. If you are buying a home you will want to talk to some local lenders.
What are the benefits of a local lender?
In addition to the reasons above another reason for a local mortgage company is they are just like a good real estate agent. They are hungry! They will work hard for you. In this crazy market you can not have a lender that only works 9-4 Monday through Thursday. A buyer might need to lender letter on a Sunday at 4 O’clock. We only have mortgage lenders listed on our site that we can depend on during off hours. The ones that have outstanding customer service and no set hours. We work 7 days a week here at Orson Hill Realty and expect the professionals we work with to do the same. A seller will not take your offer into consideration in this market without a lender commitment letter. You might miss your dream home because your banker still thinks it is 1954 and won’t work weekends. You don’t need that kind of lender.
Mortgage Home Loan Rates are Still Low
Rates are still low in comparison to recent decades. Back in the 70s and 80s a rate of 18% was considered to be a good mortgage rate. Now people don’t even pay that for a credit card. Although mortgage rates have ticked up from their lowest point they are still very low. It is still a great time to buy. Give one of the local mortgage loan companies a call to see what rate you qualify for. Be sure to do this before you start to look at homes. it will give you an idea of where to start looking. What price point you fit in and when you find that perfect home you have that pre qualification letter in hand to present with your offer and the seller will know you are serious and a qualified buyer.
Getting Pre Approved for Your Home Loan is Fast and Easy
Most home loan lenders can get you through the pre approval process with a 15 minute phone call. It is fast and painless and free. It gives you an idea of what you can afford and a basic idea of your monthly payments. In our market in Colorado it is also a must. Many real estate agents won’t even take you to look at homes until you get through the home loan pre approval process. No seller these days will accept an offer that doesn’t have a pre approval letter attached to it. Keep in mind that the pre approval letter isn’t a guarantee you get the loan. It basically states that if you the information you provided and your financial situation doesn’t change (lose your job take out a 3 million dollar line of credit) you will most likely get the loan.
These lenders proudly service mortgage loans in:
Caliber Home Loans – Mike Sadowski
Mike Sadowski from Caliber Home Loans in Lakewood, CO has been in the mortgage industry as a mortgage lender since 1994 and has helped thousands of families achieve their dream of home ownership. As a mortgage originator and servicer Mike has seen, and kept with, the many changes of Fannie Mae and Freddie Mac. He has multiple loan products with his mortgage company. He works with military veterans. With today’s competitive and ever changing regulatory landscape it is crucial to align yourself with someone who knows all aspects of the lending process. Whether your a first time buyer or a homeowner with multiple transactions under you belt, Mike will be sure to map out the process and ensure the best financing options are available to you. Partnering with Mike and his Team you will find the lending process smooth,manageable and you will be kept up to date on milestone events as you head towards homeownership. Mike is a Chicago native and has lived in Bailey, Colorado for 16 years, is married and has 3 children. Mike enjoys his Harley, dirt bikes and skiing the wonderful mountains of Colorado. Give Mike a call to get started on your loan application with a simple 10 minute phone call…. Read More
Fox Valley Mutual Mortgage – Lisa Marie Schwartz
Your “lone lady” thru out the loan process and your one contact from start to finish! We are a LOCAL mortgage company dedicated to your every need and available 24/7 to exceed your expectations. I am always available on weekends and will get you an approval!
“Hi, I’m Lisa Marie, and I’ve spent more than 20 years in the mortgage industry working on countless loans of all types and dollar amounts. Before that I was a licensed real estate agent and a title company closing manager. So I’ve seen every side of the mortgage loan process and I use that background, expertise and knowledge to give my clients the best experience possible in buying or refinancing their home. I’d like to be your mortgage lender for life, so if you’re looking for a loan please give us a call and let us find the perfect loan for you and show you the Fox Valley Mutual Mortgage difference….. Read More
Northpointe Bank – Kate Higgins
Northpointe Bank welcomes Kate Higgins as a Senior Loan Officer. Higgins joins the bank’s lending team in Denver, Colorado. Her responsibilities include attracting and cultivating business relationships with a focus placed on customers, considering clients’ needs, and acting to exceed their expectations. Higgins handles multiple niche products including land loans, from construction to permanent, and can lend in all 50 states…. Read More
Lacee Hartvigsen – Bay Equity Home Loans
Bay Equity is made up of the most accomplished mortgage and financial professionals at every level. Currently licensed in 32 states (with retail branches in 23 states and growing), we’re so proud of our highly experienced team of corporate executives and operations professionals—a team that’s here to get you home.
As a lending professional at Bay Equity, I am dedicated to helping you with all of your home mortgage needs.
The housing and mortgage markets are constantly changing. I can help you navigate the many options to find the right loan for you and your family.
Whether you are buying or refinancing, buying your first home or building your dream home, I can explore with you the many options for financing.
You are invited to apply on-line, or contact me to set up an appointment. Either way you will get Read More…
Dan Smith Northpointe Bank
Dan Smith at Northpointe Bank strives to bring value to customers by offering client focused financial products and services. Northpointe Bank does this by empowering our employees to exceed our customer expectations, delivering convenient innovative technology, and supporting our employees and the communities we serve. Read More
Orson Hill Realty Disclaimer
Orson Hill Realty does not necessarily endorse anyone other than their own real estate agents. We spotlight many companies on our site that we feel go above and beyond. Do not consider other professionals on our site anything other than people we find interesting or hard workers in our community.
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