Capital Home Mortgage Boulder
Mortgage Lender Boulder Colorado
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 HomeBuyers are Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Low Rates & Low Fees
Direct Lender with Competitive Rates and Low Fees
7 Day a Week Support Application to Final Mortgage Payment
Boulder 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 the mortgage Securities
- Property securing the mortgage
- occupancy of the property
- Loan to value of the property
- Borrower’s credit worthiness
Boulder Mortgage Programs
Boulder Home Purchase
Thinking of Buying a Boulder 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
Boulder renovation home loans
Looking to Rehab a Boulder 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
Boulder FHA Home Loans
Great for 1st Time Boulder 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
Boulder VA Home Loans
100% Financing for Boulder 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
Boulder Conventional Home Loans
Flexibility for Boulder 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
Boulder Jumbo Home Loans
Boulder 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
Boulder USDA Home Loans
100% Rural Boulder 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
Boulder Native American Loans
Boulder 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
Boulder Manufactured Home Loans
Great Alternative Boulder Housing
Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
- Existing Purchase or Refinance
- OTC Land/ Home Combo
- Lock Rate Before Completion
- FHA, VA, USDA, & Native Loans
Boulder reverse mortgages
Your Boulder 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
Boulder Non QM Home Loans
Making Boulder 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
Boulder One Time Close mortgages
Build Your Boulder 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
Boulder Refinance Mortgage Loans
Boulder 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
Boulder Cash-out Home mortgages
Boulder 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