Types of Mortgage Home Loans in Denver

Types of Mortgage Home Loans in Denver

There are several types of home loans. The focus of all of what we do at US Mortgages here in Denver can be boiled down to one question: How we can help you and your family reach your goals?

What kinds of Conventional Loans do we offer?

Conventional loans are defined as any loan that is not backed by the government. Insofar as that goes, we offer Fixed Rate Loans at the standard 15 Year, 20 Year, 25 Year, and 30 Year loan term length. These loans feature the same interest rate throughout the life of the loan. In contrast to the many types of mortgage loans in Denver, we offer an Adjustable Rate Mortgage type of loan. This features a lower fixed introductory rate, then their interest rates fluctuate on a schedule based on the current market rate. One specialized kind of loan that we offer is the Jumbo Loan. These require high quality credit because as the namesake implies, the amount of the loan is significantly higher than most conventional loan limits.

What Government Backed loans does US Mortgages offer?

One of the most common government backed loans we offer is the Federal Housing Administration Loan, or FHA loan. These were designed with less rigorous credit, LTV and income to debt ratio needs and are guaranteed by the Federal Housing Administration. These are offered on a 15, 20, 25 and 30 Year Loan Term Length Basis. We also offer Veterans Affairs (VA) Loans to military servicemen and servicewomen as well as their families, also on a 15, 20, 25 and 30 Year Loan Term Length basis as well. These loans are guaranteed by the US Department of Veterans Affairs, and can have you in a Colorado home for as little as $0 down payment. One of the less common but very valuable government backed loan we offer is the United States Department of Agriculture Loan, or USDA Loan. These loans are a great fit for rural homebuyers and incentivize rural home buying by offering an option of no down payment.

Learn more about the home loan types we offer here in Denver by letting us know your contact information. We'll give you a call as soon as we can to see if we can help you and your family meet your financial goals.

Conventional Home Loan

US Mortgages offers various kinds of conventional loan rates available in Denver to prospective homebuyers. How can a conventional loan help you reach your financial goals and improve your family's quality of life? Learn more about the conventional home loans US Mortgages in Denver offers, and get a feel for if you may qualify.

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FHA Loan

The FHA program was developed to make loans accessible to people who could only afford a low down payment or who had less than perfect credit in the 1930's. Since then, the program has helped countless Americans pursue their dream of home ownership. Denver's FHA requirements include a credit score of 560+ and a down payment of 3.5% to qualify borrowers for an FHA loan, though there are other factors including steady employment, LTV and DTI ratios that can impact eligibility.

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Jumbo Loan

How do you know if you need a jumbo mortgage loan rather than another kind of loan offered in Denver by US Mortgages? How are jumbo loan rates defined and what is it for? What are the requirements for a jumbo loan in Denver? How can you get started on applying for your own jumbo loan? Find the answer to these questions below.

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Reverse Mortgage Lender

Reverse mortgages in Denver are an incredible tool for supplementing income. There are very specific qualifications for people who qualify for the reverse mortgages solutions offered by US Mortgages. Learn more about the eligibility requirements for reverse mortgages and the kinds of reverse mortgages we have available.

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One of the most specialized loan products we offer at US Mortgages in Denver is the USDA Loan. Learn more about what the USDA home loan is, who qualifies and how to get started below if you're looking to purchase a home in or near Denver.

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VA Loan

One small way the Federal government gives back to the servicemen and women of our country is through offering a government backed mortgage loan with attractive associated rates. Learn more about Denver's VA home loans, who qualifies and how to start on your path towards a VA Loan in picturesque Denver, Colorado.

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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.