We want to help Colorado families access their equity for emergency cash and/or lower their bills. Most do not want to lose their low mortgage rates but need cash fast. A HELOC is a perfect option. Keep your low rate, tap into as little as $50,000 or as much as $750,000 in 7-10 days. When rates drop we can refinance you to a low rate and pay off the HELOC with our Lowest Rate for Life™ Guarantee.
Our clients appreciate our commitment to service and fast turn around times—some of the fastest in the industry. For most loans, the entire process—from application to close, in as little as 7-10 days.
Even when others say NO, we strive ourselves on saying YES. We understand that people are more than just a credit score. Our team works with every borrower on a case-by-case basis.
Our Lowest Rate for Life™ Guarantee saves you money! Lock in savings today and if rates improve you can save even more in the future without any addl Lender Fees or Appraisal Fees!
All loans subject to approval and change. 90% CLTV requires a min FICO of 740. Reduced loan to value is available down to 640 score and is for owner occupied only and full documentation of income. maximum debt to income ratio is 50%. Min loan size is 50k and maximum is $750,000. No appraisal is limited to max loan amount of $400k. HELOC has draw periods of either 3yrs or 5yrs and interest only available for 10yrs. Loan term can be either 20yrs or 30yrs. Home requires sufficient equity and is capped at a combined loan to value percentage of 90. "Insta" HELOC maximum CLTV is 80% and requires a 740 score. Min FICO for "Insta" HELOC is 680 and has a limitation of 65% CLTV.
Equal housing lender License #392126 Govt ID 25955-00000
Equal Housing Opportunity Lender
NMLS #392126
Not all applicants will qualify. 90% CLTV requires a min FICO of 740. Reduced loan to values available for credit down to 640 score and is for owner occupied only and full documentation of income. maximum debt to income ratio is 50%. Min loan size is 50k and maximum is $500,000. HELOC has draw periods of either 3yrs or 5yrs and interest only available for 10yrs. Loan term can be either 20yrs or 30yrs. No appraisal is limited to loan sizes up to 250k. Lowest Rate for Life™ requires customer to maintain good credit history and be able to provide verified proof of employment in accordance with standards set by FNMA, FHLMC and or GNMA. Home requires sufficient equity and is capped at a combined loan to value percentage of 89.99. "Insta" HELOC maximum CLTV is 80% and requires a 740 score. Min FICO for "Insta" HELOC is 680 and has a limitation of 65% CLTV. License #392126 Govt ID #25955-00000