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A few ways we can help...

  • Live MLS E-Searches

  • Neighborhood Statistics

  • Comparable Market Analysis

  • Writing Professional Offers

  • Financing and Loans

  • Anytime & Anywhere Showings

  • School District Information

  • Finding Investment Properties

  • Off Market Opportunities

  • Colorado Lifestyle and Recreation

Types of Homes

 
 
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Condos and Townhomes 

Buying a condo or townhome can be a great option for individuals or families. Attached homes tend to be more energy efficient and require less maintenance. These communities usually include Home Owner Associations (HOA) which are established to enforce covenants, maintain common and recreation areas, and may provide utilities and services. Monthly HOA fee's should be taken into account when budgeting for your new home. 


 

Single Family Homes

The single family home is the most popular type of living situation is in America. These homes do not have structural attachment to neighboring units. Owning a single family homes also means owning the land on which it is built giving home owners the greatest amount of control over their investment. Enabling homeowers to design and create their ideal living spaces inside the home and out. 

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New Builds 

New construction and newly built homes are another great option for homeownership. Having a brand new home can give home owners peace of mind and a unique sense of ownership. However, a major drawback with new builds can be the length and complicated sales process. When looking into new builds make sure you are properly represented by  REALTOR® you trust to ensure the protection of you earnest money and that you get the best deal possible. 


 

Multi-unit and Commercial

Buying a multifamily (4+ units) property can be an important next step for a homeowner or investor who is interested in scaling up their real estate investment portfolio. Multi-unit residential and commercial real estate investing can allow you to produce more income and build net worth faster, if you can tolerate the risk and responsiblity. 

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Where Do You Want to Live Next?

Request a custom MLS direct home search for the type of home in the area you want. 

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Our Office  

2801 Welton St Suite 200, Denver, CO 80205

 
 

Loans and Financing

 
 

Conventional Loans

Lower Rates with More Flexibility

A conventional mortgage refers to any loan that is not insured or guaranteed by the federal government, as opposed to government-insured loans including Federal Housing Administration (FHA), U.S. Department of Veteran Affairs (VA) and U.S. Department of Agriculture (USDA). Conventional mortgages (whether conforming or not) typically have a slightly higher down payment than government loans; however, this loan option normally provides more flexibility with fewer restrictions.

Conventional Highlights

If you have good credit and stable income, a conventional loan might be the right option for you since it offers:

  • Lower interest rates for borrowers with good credit

  • Flexible mortgage insurance options

  • Fewer penalties and fees

  • Flexible loan terms

 

Conventional Loan Programs

Adjustable-Rate Mortgage

An adjustable-rate mortgage (ARM) is a loan term option with interest rates that can change periodically after the initial fixed-rate period. After this introductory period, monthly payments are susceptible to increases or decreases based on market fluctuations, which can also affect the monthly payment. An ARM could be the right choice for you if you plan on staying in your home for just a few years, you’re expecting a future pay increase, or the current interest rate on a fixed-rate mortgage is too high

Fixed-Rate Mortgage

Fixed-rate mortgages protect you against rising rates since the interest rate remains the same for the entire term of the loan. Plus, you have the option of selecting a 10, 15, 20, 25 or 30-year term. The main difference is the lower term options have higher monthly payments, which also means you are building home equity faster. Keep in mind you can use equity as a down payment for your next home or a future cash-out refinance. If you plan on staying in your home for a longer time frame, a fixed-rate mortgage could be the right solution for you.

Jumbo Mortgage

A jumbo loan, or non-conforming mortgage, allows you to purchase more expensive homes with a loan amount above the conforming limit set by the Federal Housing Finance Agency. In most areas of the country, the conventional conforming loan limit is $424,100; however, the limit is $625,500 in higher cost areas. If you have a low debt-to-income (DTI) ratio and a higher credit score, but you don’t have enough funds to bring the loan amount under the conforming limit, a jumbo loan might be the right option for you.


FHA Loans

Opening the Doors to Homeownership

Home loans insured by the Federal Housing Administration (FHA) can make it easier for you to qualify to purchase or refinance a home. This loan option offers flexible qualification guidelines to help people who may not qualify for a conventional mortgage.
 

FHA Loan Highlights

FHA loans are widely used by first-time homebuyers and people with low-to-moderate incomes since this government-insured mortgage features:

  • Low down payments

  • Flexible income and credit requirements

  • Fixed- and adjustable-rate mortgages

  • Loans for 1-4 unit properties and condos may be available

  • Down payment funds can be a gift from a relative or employer*

  • Home sellers can contribute up to 6% of the closing costs


  • *Subject to underwriting review and approval.


Jumbo

A jumbo loan, or non-conforming mortgage, allows you to purchase more expensive homes with a loan amount above the conforming limit set by the Federal Housing Finance Agency. In most areas of the country, the conventional conforming loan limit is $424,100; however, the limit is $625,500 in higher cost areas.

Jumbo Loan Highlights

If you have a low debt-to-income (DTI) ratio and a higher credit score, but you don’t have enough funds to bring the loan amount under the conforming limit, a jumbo loan might be the right option for you. Highlights of non-conforming loans include:

  • Finance a home over the maximum loan amount established by the Federal Housing Finance Agency

  • Higher purchase limits allow borrower to purchase more house

  • Convenience of one loan for the entire loan amount

  • Primary residence, second home or investment property

  • Fixed-rate or adjustable-rate mortgages (ARM)


USDA/Rural Development Loans

Live Comfortably Outside of City Limits

Home loans guaranteed by the United States Department of Agriculture (USDA) provide affordable financing options for properties located in designated small towns, suburbs and exurbs. This program helps eligible low- to moderate-income families achieve homeownership by offering a no down payment option.

USDA Loan Highlights

With flexible requirements, USDA loans feature:

  • 100% financing + required guarantee fee = 102% of the appraised value

  • Low FICO score requirements

  • Low interest rates

  • Low closing costs

  • Gift funds can be used for closing costs

  • 30-year, fixed-rate mortgage

 

USDA Loan Eligibility

Eligibility is based on the property size, location and condition along with income and other qualifying factors. Some of these requirements include:

  • Property must be located in a USDA designated rural area

  • Maximum loan limits vary based on location

  • Household members can have a total income of up to 115% of the medial income for the area

  • Household must be able to afford the mortgage payment, including property taxes, homeowners insurance and the annual guarantee fee payable on a monthly basis


VA Loans

Welcoming Veterans Home.

Home loans backed by the Department of Veterans Affairs (VA) provide affordable home financing options for eligible Service Members, Veterans and surviving spouses.

VA Loan Highlights

Since VA loans often require no down payment* with lower closing costs, you can help keep your savings secure. VA loans also feature:

  • No prepayment penalties

  • No private mortgage insurance (PMI)

  • 100% financing with full VA entitlement*

  • Fixed- and adjustable-rate mortgages

  • VA financing fees can be “rolled” into the loan amount

  • Variety of eligible property types, including townhomes and VA-approved condos


  • *A down payment is required if the borrower does not have full VA entitlement, or if the loan amount is greater than $424,100

     

VA Loan Eligibility

In order to be eligible for a VA loan, you must first obtain a valid Certificate of Eligibility (COE). Your COE is based on length of service or service commitment, duty status and character of service.