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Mortgage Lender AURORA Colorado

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 considering owning a home in Aurora, you must start getting your mortgage application ready. Knowing what documents you must 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 summarized in a credit score ranging from 300 to 850. Before talking to a mortgage lender, the rule 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 must provide your last 30-day paycheck stubs and your previous 2 years’ W2s. 

If you’re a business owner, you must 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 correct income.

  • Assets

Every borrower must show where their source of funds is coming from. They must show enough assets in their checking, savings, and retirement accounts. Besides the source of funds, they also have to show reserves. A 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; 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. 

Get Your Home Loan in Aurora 

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

Why Aurora HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Aurora Mortgage Rates

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 mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Aurora Mortgage Programs

Aurora Home Purchase

Thinking of Buying an Aurora Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Aurora renovation home loans

Looking to Rehab an Aurora Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Aurora FHA Home Loans

Great for 1st Time Aurora Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

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

Aurora VA Home Loans

100% Financing for Aurora Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Aurora Conventional Home Loans

Flexibility for Aurora Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

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

Aurora Jumbo Home Loans

Aurora Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

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

Aurora USDA Home Loans

100% Rural Aurora Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Aurora Native American Loans

Aurora HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

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

Aurora Manufactured Home Loans

Great Alternative Aurora Housing

Aurora reverse mortgages

Your Aurora Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Aurora Non QM Home Loans

Making Aurora Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Aurora One Time Close mortgages

Build Your Aurora Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Aurora Refinance Mortgage Loans

Aurora Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

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

Aurora Cash-out Home mortgages

Aurora Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Aurora Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Jordan Mowrey

SR Loan Officer
NMLS 210325

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