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Denver Colorado Mortgage Loans and Financing
What opportunities exist for you, if you were able to get a below market interest rate - and lower closing costs on your mortgage loan? The competitive advantage we offer our clients - is that you'll be able to choose a mortgage loan and closing costs FAR BELOW what any other lender can offer you, when you choose us to help you with both your mortgage loan and buying & selling your next home.
Yes - with historically low interest rates below 6% on 30-year and 15-year fixed mortgage loans - now's a great time to buy Littleton Real Estate, Highlands Ranch, Aurora, or Denver homes for sale. Currently, there are 5.25% to 6.25% Fixed Rate loans for home buyers (which are explained below) or the new Home Ownership Accelerator loan with the 7-14 year payoff, done as an 15% Down payment with a 680+ mid-fico.
Most Denver or Littleton Real Estate, Highlands Ranch Real Estate, Aurora Homes For Sale, Parker, or Southeast Denver real estate now require 3-10% down payment in the Denver Metro areas. Please refer back to our home page for more city information.
Perplexed About Qualifying?
Regardless of your credit scores, we offer you excellent one-stop financing options. If we need to help you boost your credit scores – then you also appreciate how we'll help you get you scores boosted. With the RECENT CHANGES in the national mortgage mess and credit crunch - it’s simply much more difficult to get a mortgage loan now days – even if you have good or perfect credit scores! Let me help you explain the "best" Denver Colorado mortgage loans out there currently...
My TOP 4 Loan Recommendations For Denver Home Buyers:
1) 5% Down, 30-Year Fixed at 5.875%, $175,000 to $417,000, 680+ mid-fico score
2) FHA 0% - 3% Down, 30-Year Fixed loans at 5.5% to 6.125%, with a 580+ fico, up to $406,250
3) 15-Year Fixed Rate at 5.25% to 5.75% - and have your home 1/3 paid off in about 6 years!
4) Home Ownership Accelerator 7-14 Year Loan (...call me at 303-588-4665 for details)
Tell me how I can help you get a loan - or send me your mortgage/financial situation on the form here:
As the Owner of Mortgage Specialists LLC since 1998, I'll help you get excellent financing and LOW rates.
Additionally, this mortgage mess has made it a mandatory event now, like you probably realized - of the true importance of getting a written loan Pre-Approval for your mortgage financing; before ever going out home shopping. Why is this so critical now you ask – especially if you have great credit? Well lenders have tightened up on lending and qualification requirements now. There are NO more stated income loans with less than 10% down now, and most "A-Paper" loans require much more consideration on being approved! They are no longer a "joke" to get approved if you have 680+ credit scores.
Second, you really need to THINK about your financial situation - especially if you want to buy Denver real estate when you've got bad or lower credit scores below 580. You really need to finally do some sort of advanced Credit Repair and How To Fix Credit...or you're never going to buy a home! I can help most renters and buyers boost your credit scores by 25-100 points or higher in 30-90 days, and have helped thousands of other borrowers just like you... Were you aware that the average median credit score in the United States right now is 698? It was 720 just 3 years ago - why is that? This has many people worried that the current mortgage and credit mess might cause you to not qualify for - or not be able to afford the home you want.
Finally, I don’t know of any Sellers or smart listing agents in the Denver real estate market who are going to accept your Purchase Contract without an accompanying well written Lender Letter. What Denver home Sellers do you know who would take their home off the market for 3 weeks until you wait to see if your mortgage loan is going to go through - and then be approved?
Would you take your home off the market for 2 to 3 weeks for someone - with no guarantee Buyers can even get a loan to qualify?
Just because you have a 680+ fico score no longer means you’re guaranteed a mortgage loan in this mortgage mess!!! Trust me, I’ve been a top lender since 1998…it’s really bad – and it's frustrating for everyone! Dangers exist if you're planning on buying Denver Metro Colorado real estate and new homes for sale, so please read this extremely important article I wrote: The Top 25 Dangerous Situations in Buying Denver Real Estate
Call me or email me and we'll get going on your full Loan Pre-Approval.
Thanks, 
Jeff Boyce
(303) 588-4665
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