Buy A Home in Denver

Buy A Home in Denver

Have you decided to purchase your first home? Or are you a seasoned homebuyer who is very familiar with the process? Either way, congratulations on your decision! There are many important things to consider throughout the process, especially if you're looking to purchase a home in Denver.

Denver, Colorado is home to one of the biggest, fastest growing housing markets in the nation. Homes can sell incredibly quickly - some in a matter of hours – so it is important to have a skilled and trusted mortgage lender ready to assist you in borrowing a loan for your Denver home. Partner with US Mortgages and see why we are the top name in Denver mortgage lending.

Kinds of Homes We Provide Loans For

Whether you're looking for a single-family home (attached or detached), or seeking something smaller, the process for purchasing, in general, is pretty much the same. Even when purchasing a manufactured or modular home, Denver's home purchasing process is identical.

What's the process for buying a home?

We begin with a general application and a consultation to assess your financial situation and how our loan products can best help you meet your goals. Next, we prequalify borrowers for the kind of mortgage that best fits their needs. This also serves to expedite negotiations with real estate agents and home sellers. As part of our guarantee to our customers, we promise never to advise a loan that won't work out to the financial benefit of the borrower.

Concerned about credit? We work with borrowers with a wide range of credit scores. Even for those with less-than-stellar credit, our credit repair and counselling programs can set you back on track, even if you have had a few financial stumbles in the past.

A home purchase in Denver is likely to be your largest financial transaction to date. We understand very well that it's important to make the right decisions and to keep an eye on the details when looking to buy a home. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience. Provide your contact information to US Mortgages and we'll be happy to get in touch with you about our loan products and how they can best meet your needs.

Attached Single Family Home

Are you looking to purchase an attached single-family home? Maybe this is your first home, or perhaps you're a seasoned homebuyer looking to flip this alongside your other properties. Whatever the case, there are several loan products we offer that fit the needs of an attached single-family home buyer. Learn more about them below.

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Detached Single Family Home

When considering a traditional home for your family, there are many choices you need to make. One good place to start is deciding whether you want an attached single family home or a detached single-family home. Learn more about the detached single-family home below.

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Buying a Condo

Rising in popularity as early as the 1980s, the condominium, or condo is one of the newest forms of home ownership and like any home ownership, has its own individual advantages and disadvantages. Learn more about condos and how US Mortgages can help you purchase a condo in Denver.

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First Time Home Buyer

Are you a 1st time Denver homebuyer? Many first-time homebuyers in Denver struggle to compile down payments for houses as they don't have assets to sell to gain the cash for them. Don't worry, there are many options for down payment assistance, especially for first time homebuyers. Read further to find out more about what we offer to first time homebuyers at US Mortgages in Denver.

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Manufactured Homes

What do you know about manufactured home purchases in Denver? Chances are not much. There are many distinct advantages when you purchase a manufactured home in the Denver area, the biggest of all being cost. If you buy a manufactured home, consider that it attractively features a lower price point with the same high-quality materials, but high-quality homes permit much greater opportunities for home ownership to many more people. Learn more about manufactured homes and home loans below.

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Modular Homes

Did you know that modular homes in Denver are frequently built to a higher standard than site built homes? It's true and happens for a straightforward reason. Many aspects of the construction of the Denver home takes place in a standardized factory and is built in a highly quality controlled assembly line. The multiple tiers of oversight, streamlined project management and strategy inherent in this process are the reason for the high quality.

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Seasoned Home Buyers

There are many services US Mortgages in Denver offers to seasoned homebuyers. We understand the differences in perspective between seasoned homebuyers and first-time homebuyers. Seasoned homebuyers have firsthand knowledge of the experience of buying (and maybe even selling) a previous property. Since they're familiar with the process, they're likely to have a better idea of what they want in another home or what they want to get out of their existing home.

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Buying a Townhome

Often with multiple floors and other specific characteristics, Denver townhomes are a classic and fun style of home that is well suited for a prospective Denver homeowner who is looking for a minimal maintenance option to suit a busy lifestyle.

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Pre-Qualify In Minutes, With No Impact To Your Credit Score

With just some basic information, you are on your way to your new Home. In most cases, our agents will call you in a few minutes to get things started. In some rare events it could be up to 24 hours. We always try to call between 8am and 5pm MST, so we don’t disturb you after hours. If you would prefer we did call outside those ours, please just add in a note and we will be happy to oblige.

Why should I get pre approved for my home loan or refinancing?

Home loan pre approval in Denver simplifies the loan process. Preapproval allows a lender to see a full 360 degree view of the borrower's financial situation, enabling us to advise borrowers on all home loan considerations. This helps us identify which loan we offer is the best fit for the borrower. Prequalification allows borrowers to pursue the loan that's best for them and their financial situation.

How can I get ready for home loan prequalification in Denver?

Excellent question! A great place to start is by understanding what lenders look at. For the most part, lenders look at 4 things. The first is your FICO credit score which includes your payment history, credit utilization and the length of your credit history. The second is your income with respect to your monthly housing costs. The third is the number of current loans you have and their status. The fourth and final thing lenders consider is the percentage of the cost of the home you're looking to purchase that you can put as a down payment. Get ready for prequalification by understanding your status in these areas and identifying what you can do to improve them before buying a home.

About US Mortgages

US Mortgages has been securing mortgage pre approval in Denver for over 20 years. Let us know how to reach out to you, or give us a call today.

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Pre-qualification means one of our mortgage specialists will contact you. This does not represent an offer to enter into a loan agreement. Loans subject to credit and property approval. Normal credit qualifications and other terms and conditions apply. Not all loan products or terms are available in all states.