Capital Home Mortgage Aurora

Aurora Home Loans

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Aurora Colorado Mortgage Lender

Home Loans In Aurora, Colorado 

The city of Aurora is less than an hour away from the famous Rocky Mountains of Colorado, earning it the nickname Gateway to the Rockies!

Aurora’s housing market has remained competitive despite the fluctuations that hit the global real estate scene during the pandemic. One reason for this resilience is that Aurora has a wide selection of offerings, including hiking, skiing, and snowboarding. It makes the city a tourism hub, which has helped its economy. 

If you’re thinking of owning a home in Aurora, you’ll need to start getting your mortgage application ready. Knowing what documents you need to prepare alongside your application can help fast-track the process and bring you one step closer to securing the home financing you need. 

Factors That Determine Your Approval For A Home Loan 

Several factors will determine if your application for a home loan in Aurora will be approved or denied. To name a few, these are:

  • Credit Report

Your credit report tells the story of how well you use credit. It will also show the negative aspects of your credit history, like late repayments, bankruptcies, foreclosures, evictions, repossessions, and current debt loads. 

Your credit activities are calculated and then summarized in a credit score, ranging from 300 to 850. Before talking to a mortgage lender, the rule of thumb is to get your credit score as high as possible (think 680 and above). 

  • Income

Lenders would want to see your earning history and current income. They’ll usually ask for pay stubs from the past three payroll cycles. If you’re a W2 employee, you’ll have to provide your last 30-day paycheck stubs and your previous 2-years W2s. 

If you’re a business owner, you will need to provide deposit slips, 1099 forms, contracts, invoices, or any other proof of income requested by the lender, such as your personal and business tax returns and a year-to-date profit and loss statement, etc.

A tax return gives more credibility to your application. Not only does it affirm that you are indeed a tax-paying borrower, but lenders can also use it to confirm that you have reported the right income.

  • Assets

Every borrower must show where their source of funds is coming from. They have to show enough assets in their checking, savings, and retirement account. Besides the source of funds, they also have to show reserves. Reserve is what is left in their liquid asset after exhausting their funds to buy a house.

  • Rental History

If this is your first time buying a home, you’re probably renting a flat or an apartment. Your lender might require a letter from your landlord attesting to your consistency in making timely rental payments or a schedule of rental payment history of your account.

Aurora, Colorado Mortgage Lender

Capital Home Mortgage offers conventional loans, FHA loans, VA loans, USDA loans, and several other mortgage products in Denver. We are a direct mortgage lender, so we can offer these home loan programs at competitive interest rates and comparatively lower fees. 

Our mortgage experts will work with you to identify the right loan option for your situation. We’ll also walk you through the pre-approval process, so there’s no confusion once it begins. 

At Capital Home Mortgage, we aim to simplify the home loan process. Whether it’s your first or fifth, buying a home should be an exciting and enjoyable experience, after all. 

Get Your Home Loan in Aurora 

Aall (303) 226-1177 to speak with our Aurora loan officers about your home loan needs. We’re happy to get you started with a no-obligation quote and look forward to providing your next mortgage loan in Aurora. 

Why Aurora is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Aurora Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Aurora Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Aurora Mortgage Rates

Capital Home Mortgage Aurora is dedicated to offering Great Aurora Mortgage Rates. 

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Aurora Colorado Mortgage Loans

Aurora Home Purchases

Buying an Aurora Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Aurora Renovation Home Loans

Aurora Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Aurora FHA Home Loans

1st Time Aurora Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

Aurora VA Home Loans

100% Loans for Aurora Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Aurora Conventional Home Loans

Flexibility for Denver Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

Aurora Jumbo Home Loans

Great Denver Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Aurora USDA Home Loans

Aurora Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Aurora Native American Loans

Aurora HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Aurora Manufactured Home Loans

Aurora Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Aurora Reverse Mortgages

Your Aurora Home at Work

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Aurora Cash Out Mortgage Refinance

Aurora Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Aurora Mortgage Refinance

Aurora Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Aurora Colorado Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Kelvin Thompson

Loan Officer
NMLS 2050042

Amy Bird

Loan Officer
NMLS 169849

Cristina Roca

Loan Officer
NMLS 1926089

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