Years in Business
BBB Rating
Customer Satisfaction

Who's Colorado's Favorite Mortgage Company?

We like to think it's US but don't take our word for it. Hear first hand why Colorado homeowners talk to US first!
I had the opportunity to work with Mr. Todd W. on obtaining a home loan. I was extremely pleased with this experience! His professionalism and incredible knowledge of this process made what could be a very stressful time, very relaxing and stress free! I will always use and highly recommend Mr. Todd for any and all lending needs!
-Dawn W.
Wilson has helped us with 2 refinances and been great to work with. He came up with a solution to save us hundreds of dollars both times. He was was very helpful and addressed all our questions and concerns quickly
-Julie R.
My husband and I purchased a home using US Mortgages and was extremely pleased with Jeanette I** and Wilson T. They were concerned when necessary and continually updated us on status of paperwork, contracts, and items dealing with our purchase. I would recommend them to anyone who is going to buy a home.
-Veronica B.

Steps to Buying a Home

Here’s a breakdown of the home-buying process. You can swap a couple of the steps like getting pre-approved before finding an agent, but you don’t want to find the perfect place before getting pre-approved, only to have a better-prepared buyer beat you to the punch.

Credit Report and Score

Use our soft pull inquiry that does NOT impact your credit score and gives you an accurate picture of a real lender viewed credit report and score.

Determine how much you can afford

Armed with the information you gathered in Step 1, you can see how much you can afford for your new home.

Save for down payment and closing costs

Based off how much you can afford, ensure you have enough for a down payment and to cover closing costs.

Get Pre-Approved

Let US Mortgages pre-approve your loan and find a real estate agent that can help you look for homes or begin the process of closing on a home you have in mind.

Start looking for homes and make an offer

Being pre-approved will allow you to quickly look for homes and make an offer.

Close on your new home

We will help you finalize the details and make sure you close on your new home fast!

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Get a Grant NOT a 2nd Mortgage for your down payment!!

We make home buying dreams easier with our unique "Making the Dream a Reality" DPG (down payment gift) thats a GRANT money down payment NOT a 2nd mtg like our competitors!

Why is this important?

A grant is money you dont have to repay and unlike a CHFA loan or similar DPA product that helps assist with providing for a down payment, those DPA products put a 2nd mortgage lien on your property and typically require a monthly payment as well as carry a higher interest rate.

We're the Fastest Loan in the West

This option is for people who want to refinance to a lower interest rate to reduce their monthly payments or for people looking to reduce the term of their mortgage from a 30-year term to a 15-year term.

we help with credit challenges

If your credit is less than perfect or maybe newly established, don’t stress, talk to US first! We help people in Colorado buy their dream homes, even with less than perfect credit.

innovative programs and guarantees

This option is for people who want to refinance to a lower interest rate to reduce their monthly payments or for people looking to reduce the term of their mortgage from a 30-year term to a 15-year term.

Home Buying FAQs

Can I buy a home and sell my current one at the same time?

The short answer is yes but it does include some risk. If you buy a new home before you sell the own you already own, you may find yourself financially overextended. Consequently, If you sell your home before you close on your new home, you may need to rent during the interim. However, there are ways to successfully do both at the same time. Be sure to ask your realtor, your Personal Mortgage Advisor, and your attorney for more information related to your particular real estate transactions.

How quickly can I close on a mortgage?

Typical escrow periods can range from 30 to 45 days but with US Mortgages, you can go from Application to Close in as little as 10 days! Having your required income documents (W2s, pay stubs, and tax statements) readily available can help expedite the process. Consult with your US Mortgages Personal Mortgage Advisor for more tips towards a speedy close.

Can I keep my current home and use rental income to qualify for a new home?

The short answer is yes. However, qualification factors will be different depending on the loan program you choose. You should consult with a US Mortgages Personal Mortgage Advisor for more information.

How do I determine how much home I can really afford?

It depends on your income versus your other financial obligations (debt). You can determine your purchasing power by using the US Mortgages Home Affordability Calculator. This will analyze your monthly income, living expenses, liabilities reported on your credit report (car payments, credit cards, etc.) and the amount of funds available to purchase (savings, gifts, etc.).

How do I find out if I qualify to buy a home?

Several different factors are used. We suggest getting started by contacting a US Mortgages Personal Mortgage Advisor who can walk you through the qualification process for buying a home and answer any additional questions you might have including:

How do I start the process of buying a home?

Get a Verified Pre-Approval:Unlike a pre-qualification, a verified pre-approval will look at your actual credit history along with verifiable income and assets to determine your true ability to repay a mortgage. Having a pre-approval helps you understand how much you can afford before you actually start looking for a home. It also carries far more weight than a pre-qualification in the eyes of a seller and can help you more effectively compete against cash buyers.


Find a Real Estate Agent: Find a real estate agent who represents the buyer and who knows the areas that you’re looking to purchase a home in. The agent advertising a property or working at an open house is usually the “Listing Agent” and represents the seller. A "Buyer’s Agent" works just for you, the buyer and represents your best interest in the transaction. You always want someone who will represent your interests as the buyer, especially in such a large transaction as buying a home.


Start Looking for Homes:Once you have your Verified Pre-Approval and have a Realtor, you can start shopping in your budget range, either through your agent or online. Think about how many houses you'll need today and how many houses you'll need in the future to determine the number of bedrooms, bathrooms, preferred location, size of the property and the style of home that you want. Compare neighborhoods, school districts, and compare the value for the money. Look at as many homes as you need to before making the decision to buy. A good real estate agent may also know about homes that aren’t even on the market yet. These are called "pocket listings" and you may be able to get the jump on your competition.

How much down payment do I need to buy a home?

Down payments will vary depending on the loan program, your credit profile, as well as your income and asset qualifications. A down payment for a typical conventional loan may be 20%, however, there are programs like FHA that require as little as 3-1/2% down. If you're a veteran, you may be eligible to buy a home with zero money down and zero out of pocket costs. There are also down payment assistance programs like the US Mortgages Home. Made Simple™ where qualified borrowers can get up to $22,000 towards their down payment. Find out more by contacting a Personal Mortgage Advisor today.

Are loans available for lower income earners?

Yes, there are many programs and products available for low-to-moderate income earners including down payment assistance programs. There are often local grants available on a city by city basis as well as federal and state programs.

Can I qualify to buy a home if I don't have established credit?

Yes. There are programs and products available for home buyers with new or limited credit profiles, especially for first-time home buyers. If you haven't established credit at all talk to an accountant or a Personal Mortgage Advisor on the best ways to start building credit.

What’s the difference between a “second home” and an investment property?

It’s important to understand the distinction between a second home and an investment property since it will most likely affect the type of home loan you'll qualify for.

Are there tax benefits to buying a second home?

The mortgage interest tax on your second home may be deductible but there may also be deduction caps and limitations. We recommend talking with a tax professional for more information.

Should I use an ARM (adjustable rate mortgage) when buying an investment property?

In addition to the traditional fixed-rate mortgage, there are two types of ARM loans; a fully amortizing ARM and an Interest-Only ARM. A fixed rate mortgage has the same payment for the entire term of the loan, unlike an adjustable rate mortgage (ARM) that has a more competitive starting rate that can change after the fixed period, which could increase or decrease your monthly mortgage payment. If you're only going to have the investment property for a few years, you may consider the ARM loan. If you plan on having the property long term, it may make sense to finance the property over a longer period of time with a rate and monthly payment that's consistent.

Can I use my IRA when buying a second home or investment property?

Yes. You can use a “Self-Directed IRA” to purchase a vacation rental or rental home. There are some federal guidelines to consider when using your IRA and it’s important to check with your tax professional or CPA to understand all requirements and restrictions beforehand, as there may be a loss of IRA benefits.


Can I use a co-borrower when buying an investment property?

Yes, co-borrowers can assist you in purchasing an investment property, especially if your debt-to-income ratio is too high to purchase the investment property on your own. Buying an investment property with a co-borrower is a little more complicated than buying a primary residence. We suggest talking with a Personal Mortgage Advisor for more details.

How many investment properties can I finance at one time?

Qualified investors can finance up to 10 properties simultaneously. There are specialized products available like US Mortgages Investors Edge Financing™, which allows you to pay cash when buying the property for a competitive advantage and then refinancing the property in less than the usual six months, so you can take the cash and do it all over again.