Mortgage
Hassle Free Process Puts You In Control
Make application 24 hours a day
Borrower pulls their own credit, at their option
Assets can be ordered by the borrower
E-sign the entire initial disclosure package
Borrower can upload supporting documents
Central communication throughout the entire loan process
Real time screen sharing allows us to guide you through the process
Free and fabulous tool for you!
E-Closing
Now borrowers can close from anywhere, anytime, all online.
Go Doc-Less
No more pay stubs
No more bank statements
No more tax returns
Just e-sign and go!
Featured Mortgage Products
ELITE
KEY FEATURES
Exclusive low rates and pricing
Conventional Elite Fixed and ARM rates starting at 700 FICO/$200K/80% LTV
FHA Elite and VA Elite rates starting at 640 FICO, $125K/no minimum LTV
Appraisal waivers honored on Conventional Elite loansElite
ASSETS AS INCOME
KEY FEATURES
Minimum 680 FICO
Primary or second homes (1–2 units)
Available on any Conventional Fixed or ARM loans with DU approval
For Purchases and Rate/Term Refis up to 80% LTV, assets must equal at least $500,000 or 1.5X the loan amount, whichever is lower
1% DOWN WITH EQUITY BOOST
(Available until 5/31/2018)
KEY FEATURES
Borrower puts down 1%
MMI contributes 2%
Resulting in 3% equity at closing
Minimum 720 FICO
Available with no monthly Mortgage Insurance
Close in 30 days or less
$525 Appraisal Credit Homeready and Home Possible Products
Current Mortgage Interest Rate Trend
12 Month Rate Trend
Mortgage Market News and Commentary
Home Loans
Getting a home loan shouldn't be a stressful or frustrating experience.
Say goodbye to home loan anxiety with our Fast and Easy Mortgage! You'll actually enjoy getting a home loan with our smooth comfortable process. So you can feel prepared and excited when you fund your perfect dream home.
The Home Loan Approval Process
Home loans today are primarily underwritten and approved based on 4 categories, which are; 1) the borrower's ability to repay the loan out of regularly scheduled income from their primary occupation; underwriters call this "Capacity", as in capacity to repay the home loan. 2) Credit history is also heavily factored along with 3) "Capital"; the amount of down payment contributed by the borrower, and 4) "Collateral"; the appraised value of the property.
What We Do To Ensure A Smooth Process For You
The Realty and Finance Team will quickly help you assess the first three categories of home loan requirements to be sure you won't have any issues once you've found your perfect home.
One of the biggest sources of stress in the home loan process arises when doubt is cast about the approval of the borrowers capacity, credit history, or down payment. Our team will work with you up front to make sure your credentials are in order so you don't lose your dream home once you've gotten it under contract.
Our team of real estate agents and lenders work closely together to ensure all of your contractual dates in the purchase agreement are strictly followed so your earnest money is always fully protected. In fact, we guarantee your earnest money deposit if it is ever lost through any fault of ours, and it will be promptly refunded.
We help you avoid costly expenses that arise when real estate agents and lenders fail to effectively communicate about the coordination of the home inspection and home appraisal. We will make sure you do not spend any unnecessary funds on the home inspection or home appraisal fees, we guarantee it with a full refund of any error on our part.
Home loan underwriting conditions may require the assistance of a number of professionals involved in the transaction. We work together to seamlessly coordinate the conditions so as to minimize hassle and stress for you. We will never contact you for a problem we can solve amongst our team of professionals.
Common Home Loan Types
Conventional
FHA
FHA 203B FHA 203K
VA
Non-Warrantable
Jumbo
Hard Money
Hard Money home loans are underwritten against the real estate more so than the borrower's ability to repay out of regular income sources. They are called "Hard Money" simply because they are collateralized by the "hard asset" which is the property itself. Mortgage Money, Inc. is a hard money lender based in Denver.
Mortgage Financing
Curious about loan options? As a licensed Colorado Mortgage Broker, I can pre-qualify and discuss mortgage products as a part of your initial consultation to enable better decision making and planning to avoid surprises. Tell us a little about your situation below and we'll contact you with some options.