Colorado Mortgage, Home Loan & Refinance Broker

Colorado Mortgage, Home Loan & Refinance Broker

How do you know if you're ready to refinance your mortgage? Will a mortgage refinance be beneficial to your financial situation? The housing market is at its strongest in nearly a decade. With thousands of dollars in potential annual savings, there has never been a better time to refinance your Denver mortgage. At US Mortgages in Denver, we know that there's more to your financial situation than reports from credit agencies. When refinancing your mortgage, we consider every person's unique financial standing and will never advise a loan when it isn't in the borrower's best interest. Learn more about the different kinds of home loan refinance plans within the Denver area.

US Mortgages Offers Cash-Out Refinancing

Cash Out Refinancing gives borrowers a chance to pocket cash! If you need to pay college expenses, need cash on hand for home repairs or have other bills that just can't wait, mortgage refinancing with our Denver company may be a good option for you. So how does it work? Say that you owe $40,000 on a $200,000 mortgage on your Denver home. You can do a Cash Out Refinance for $60,000 and have $20,000 to do with whatever you choose.

When Cash Out Refinancing replaces your mortgage, and like you did when you first got your home, this generally will require you pay closing costs.

What other refinancing options do we offer?

With Refinancing for Debt Consolidation, you can take advantage of some of the lowest interest rates in decades and pay off all your high interest loans, saving you money. Debt Consolidation allows you to make one small payment at a lower interest rate while paying less every month. Plus, the interest on your refinanced Denver home mortgage is usually tax deductible, unlike credit card interest. Debt Consolidation also helps you build your credit and is a great idea for anyone who'd like to improve their credit score through strengthening their payment history. The lower payments associated with Debt Consolidation are a huge relief to Denver families overwhelmed by debt. We also offer ways to help you reduce your loan term.

Let us know your contact information and we'll be happy to explore how home refinance in Denver may be of benefit to your family and financial situation.

Cash Out Refinance

What are the circumstances in which converting the equity in your home to cash is the most beneficial? Who is eligible for a cash-out refinance from their Denver homes? Learn more about the Cash-Out Refinance options US Mortgages in Denver has and if it's right for you.

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Debt Consolidation & Building Credit

One of the most sought-after services that we offer at US Mortgages is the ability for our borrowers to consolidate their debt and build their credit simultaneously, all while paying a lower rate than they previously were! How are we able to offer this? Learn more about the Debt Consolidation and Credit Building we offer in Denver by reading further.

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Lower Monthly Payment

There are several ways US Mortgages decrease Denver homeowners' monthly mortgage payment. If you've had a change in income or a new expense come into your life, lowering your mortgage payment can help tremendously.

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Reduce Loan Term

Would you like to reduce your Denver home loan terms? Even if US Mortgages wasn't your primary lender for your mortgage, we can help you reduce your mortgage term. Learn more about how we do this and contact us for more information.

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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.