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Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
Hello! I'm excited to introduce myself as a dedicated mortgage loan officer specializing in Reverse Mortgages. With years of experience in the industry, I've had the pleasure of helping countless clients find the best loan solutions tailored to their unique needs. My goal is to make the lending process as smooth and stress-free as possible while providing the information and guidance that clients deserve. I believe that understanding your options is key to making informed decisions about your financial future.
In Denver, I have the privilege of providing tailored mortgage solutions to a vibrant community. Denver's dynamic lifestyle and diverse neighborhoods present a unique set of opportunities for homeowners. I particularly enjoy working with clients who are seeking Reverse Mortgages, as this option can be a valuable financial tool for seniors looking to enhance their retirement years. It's rewarding to guide clients through the intricacies of Reverse Mortgages while helping them unlock the equity in their homes. Denver's picturesque scenery, paired with its rich cultural offerings, makes it a fantastic place for homeowners to thrive.
Colorado Springs is another city where I am proud to assist clients with their mortgage needs. Known for its stunning natural beauty and outdoor recreational opportunities, Colorado Springs is a wonderful place to call home. Many seniors in this area are discovering the benefits of Reverse Mortgages, as they can provide financial security and freedom during retirement. I take the time to explain how these loans work and ensure my clients feel confident in their decisions. Being part of a community that values nature and adventure adds a personal touch to my work, as I can relate to the lifestyle interests of my clients.
Longmont also holds a special place in my heart when it comes to helping clients find their perfect mortgage solutions. This charming city, with its close-knit community and beautiful parks, offers a warm environment for those looking to settle down. Many residents here are exploring Reverse Mortgages as a strategic way to turn their home equity into cash. I understand the nuances of the local market and the specific needs of the Longmont community. My approach is always to listen carefully to my clients circumstances and provide them with the best options available, making the home financing process a positive experience.
The beauty of working in Colorado is that each city has its unique character, and understanding these differences allows me to help my clients navigate their mortgage journeys effectively. Whether it's in Denver, Colorado Springs, or Longmont, I pride myself on being knowledgeable about local market trends and the benefits of Reverse Mortgages. This enables me to offer tailored advice that aligns with each client's goals, ensuring that they feel supported every step of the way.
Ultimately, my mission as a mortgage loan officer is to empower clients with the knowledge they need to make sound financial decisions. I am here to provide clarity in an often-complex process and to share the advantages of Reverse Mortgages with confidence and enthusiasm. I look forward to building lasting relationships with clients across Denver, Colorado Springs, and Longmont, helping them achieve financial freedom and peace of mind. My commitment to service is unwavering, and I am truly passionate about making dreams of homeownership a reality.
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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
Mortgage Broker
Enduro Mortgage | NMLS: 283159
