Capital Home Mortgage Boulder

Boulder Home Loans

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Boulder Colorado Mortgage Lender

Home Loans In Boulder, Colorado 

If you’re planning to buy a home in Colorado, Boulder is one of the best places to begin your search. The city took first place in the 2021-2022 edition of top places to live in the United States. Back in 2017, National Geographic named Boulder, CO, the Happiest City in the country

It’s not hard to see why. Boulder offers a perfect balance of urban and outdoors with a strong job market and high quality of life. 

One of the most important steps when planning the home buying process is finding the right mortgage lender. The individual or firm will help you secure the perfect home loan option for your needs, so you must consider your selection.  

Knowing what questions to ask potential lenders is a great way to streamline your options and help you find the right fit. 

3 Important Questions To Ask Potential Mortgage Lenders in Boulder

     1. How Do You Communicate With Clients?

When it comes to something as significant as obtaining a home loan, time is always of the essence. The home seller you want to buy might have other buyers lined up, so it can often come down to who makes the best offer in the shortest time possible. 

That’s why communication is so critical when working with a lender. The right lender should be able to respond to your inquiries or concerns quickly and through a convenient channel — email, text, phone calls, and in-person visits. More importantly, the communication flow should be straightforward and transparent. 

     2. Can You Break Down The Estimated Costs Of My Mortgage?

The Truth in Lending Act was created to ensure that you are fully informed about the actual cost of credit. However,  it’s still best to have your mortgage lender provide a breakdown of all the costs associated with your home loan. 

They should be able to explain important details like the monthly payments, interest rate, closing costs, payment methods, etc. You can better compare different options and find the best value possible.

     3. What Interest Rate Can I Get?

The interest rate on your mortgage loan will depend on the loan term, down payment amount, your credit score, loan amount, the property value, and the lender. 

You may be able to get a lower interest rate by working with a direct mortgage lender. It is because direct lenders control the loan process from application to funding. With no third parties or intermediaries involved, they’re better positioned to offer loans at comparatively lower interest rates and processing fees. 

Boulder, Colorado Mortgage Lender 

Capital Home Mortgage is the direct lender to call if you’re looking to obtain a home loan in Boulder. We offer a full lineup of home loan programs, including FHA, VA, USDA, HUD 184 Native American Loans, Conventional home loans, and Jumbo loans

Because we’re a direct mortgage lender, we can process applications faster and provide flexible underwriting for all loans. Ultimately, we aim to make the home loan process and, by extension, your home buying experience an enjoyable one. 

Get Your Home Loan In Boulder

A simple phone call is all it takes to connect with our Boulder loan officers. Reach us today at  (303) 226-1177 to set up your initial consultation. We’re happy to provide you with a no-obligation quote and answer any questions you may have about Boulder home loans. 

Why Boulder is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Boulder Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Boulder Customer Service

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

Boulder Mortgage Rates

Capital Home Mortgage Boulder is dedicated to offering Great Boulder 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

Boulder Colorado Mortgage Loans

Boulder Home Purchases

Buying a Boulder Home?

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

Boulder Renovation Home Loans

Boulder Rehab Loans

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

Boulder FHA Home Loans

1st Time Boulder Homebuyers

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

Boulder VA Home Loans

100% Loans for Boulder Veterans

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

Boulder Conventional Home Loans

Flexibility for Boulder Buyers

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

Boulder Jumbo Home Loans

Great Boulder Rates

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

Boulder USDA Home Loans

Boulder Rural Properties

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

Boulder Native American Loans

Boulder HUD 184 Loans

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

Boulder Manufactured Home Loans

Boulder Mobile Home Loans

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

Boulder Reverse Mortgages

Your Boulder Home at Work

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

Boulder Cash Out Mortgage Refinance

Boulder Equity Refinance

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

Boulder Mortgage Refinance

Boulder Rate & Term Refinance

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

Boulder 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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