Capital Home Mortgage Fort Collins

Fort Collins refinance Home Loans

Refinance Mortgage Lender Fort Collins Colorado

Rate & Term Refinance Fort Collins

A type of mortgage refinancing called a rate and term refinance entails the borrower changing the conditions of their existing mortgage loan. The purpose of replacing the current mortgage agreement with a new one is to achieve better loan terms, such as a lower interest rate and/or a different loan period. Making payments on the new loan after paying off the old one is known as refinancing. A rate and term refinance replaces the borrower’s existing mortgage with a new one that has better terms in an effort to improve their financial situation.

During a rate and term refinance, the mortgage’s interest rate, monthly payments, and duration can all vary. To qualify, the borrower may need a certain credit score and debt-to-income ratio. The refinance loan includes a new mortgage term, such as an additional 15 or 30 years, and a new (ideally lower) interest rate. The borrower has the option to change the interest rate and/or loan length through a refinance, resulting in a new mortgage that settles the old one.

A rate and term refinance replaces the previous loan with a new mortgage agreement that has better numbers and financing terms in order to receive better loan terms. This type of refinancing is most common.

The Advantages of Refinancing Your Mortgage

Numerous benefits can be obtained from refinancing a mortgage. The benefits of refinancing a mortgage are listed as follows:

Lower Interest Rate: You may be able to refinance your mortgage to get a cut interest rate, which will lower your monthly payments. By doing this, you can save a lot of money over the course of the loan.
Reduced monthly payments can be achieved through refinancing with the same term as the original loan or by delaying the payoff date.
You can pay off your mortgage debt more rapidly by refinancing to a shorter mortgage term (for example, from 30 to 15 years).
By refinancing, you can lower your mortgage rate and accelerate the process of building equity in your home.
You may be able to consolidate debt from many sources through refinancing, which would make it simpler for you to manage your finances.

Refinancing is not always profitable, so it is important to look at the costs involved and determine if it makes sense for your financial situation.

Conclusion: You Can Make Your Home Refinancing Work for You

Refinancing is a great way to use your house as a financial asset when the time is right. You can adjust your loan’s term, get a lower interest rate, and change loan types to save money over time. Alternately, you might cash out your home equity and use the funds however you like.

Request a Rate and Term Refinance

If eligible, Capital Home Mortgage Fort Collins can assist Fort Collins Colorado homeowners in changing their interest rates and loan conditions. Call (303) 226-1177 to speak with a qualified loan officer about changing the rate and duration of your Fort Collins mortgage.

Rate & Term Refinance Alaska

During a rate and term refinance, the mortgage’s interest rate, monthly payments, and duration can all vary. To qualify, the borrower may need a certain credit score and debt-to-income ratio. The refinance loan includes a new mortgage term, such as an additional 15 or 30 years, and a new (ideally lower) interest rate. The borrower has the option to change the interest rate and/or loan length through a refinance, resulting in a new mortgage that settles the old one.

A rate and term refinance replaces the previous loan with a new mortgage agreement that has better numbers and financing terms in order to receive better loan terms. This type of refinancing is most common.

The Advantages of Refinancing Your Mortgage

Numerous benefits can be obtained from refinancing a mortgage. The benefits of refinancing a mortgage are listed as follows:

Lower Interest Rate: You may be able to refinance your mortgage to get a cut interest rate, which will lower your monthly payments. By doing this, you can save a lot of money over the course of the loan.
Reduced monthly payments can be achieved through refinancing with the same term as the original loan or by delaying the payoff date.
You can pay off your mortgage debt more rapidly by refinancing to a shorter mortgage term (for example, from 30 to 15 years).
By refinancing, you can lower your mortgage rate and accelerate the process of building equity in your home.
You may be able to consolidate debt from many sources through refinancing, which would make it simpler for you to manage your finances.

Refinancing is not always profitable, so it is important to look at the costs involved and determine if it makes sense for your financial situation.

Conclusion: You Can Make Your Home Refinancing Work for You

Refinancing is a great way to use your house as a financial asset when the time is right. You can adjust your loan’s term, get a lower interest rate, and change loan types to save money over time. Alternately, you might cash out your home equity and use the funds however you like.

Request a Rate and Term Refinance

If eligible, Capital Home Mortgage can assist Alaskans in changing their interest rates and loan conditions. Call (907) 531-5048 to speak with a qualified loan officer about changing the rate and duration of your Alaska mortgage.

Why Fort Collins 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

Fort Collins 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

Fort Collins VA refinance Home Loans

Proudly Serving Active Duty, Retired and Disabled Veterans to Save Money. Call today to speak to a VA loan officer.

VA Streamline Refinance

VA IRRRL Rate & Term
Streamline Option
No Appraisal Required
No Income Verification

VA Standard Refinance

Cash-Out or Loan Conversion
Full Documentation
Appraisal Required
Income Verification Required

Fort Collins FHA Refinance home Loans

FHA offers a streamline refinances that simply reduces the interest rate and lowers the payment or shortens the term of the loan. This rate and term option can be fully documented loans, or can be reduced documentation. The other FHA option is a cash-out refinance allowing homeowners the ability to access the equity in the property.

FHA Standard Refinance

Appraisal Required
97.75% Max Loan to Value
Closing Costs Can Be Rolled In
80% Max Loan to for Cash-out
Cash-out Option Available
County Loan Limits Apply

FHA Streamline Refinance

FHA to FHA
No Income Qualification
No Appraisal Required
Closing Costs Cannot Be Rolled In
No Lates on Mortgage in Last Year
Payment Must Drop on Fixed Rates

Fort Collins Conventional Refinance Loans

Conventional Refinance Loans are used for more refinances than any other type of mortgage loan. This is due to Conventional loans allowing for all occupancy and property types and typically don’t require any mortgage insurance due to loan to value requirements. Conventional mortgages due require higher credit scores but offer better rates.

Freddie Mac or Fannie Mae Insured
Primary, 2nd or Investment Homes
Single and Multi Family
Condo’s and Manufactured Homes

Mortgage Insurance Options
Lower Rates & Flexible Terms
Maximum Loan Amount – $766,550
High Balance (Varies By County)

Fort Collins Native American Refinance Loans

HUD 184 Refinance Home Loans can streamline rate & term, equity cash-out, or Rehabilitation of current residence.

Cash-Out or Renovation

Appraisal Required
97.75% Max LTV for Rehab
85% Max LTV for Cash-out
County Loan Limits Apply

Streamline Refinance

HUD 184 to HUD 184
No Income Qualification
No Appraisal Required
No Mortgage Lates in Last Year

Fort Collins USDA Refinance home Loans

USDA Loans Can only be USDA to USDA, meaning you must have a current USDA loan to refinance the loan either as a rate and term or cash-out or renovation.

USDA Non Streamlined

Appraisal / Income Documents
Max LTV Equal to Appraisal
Closing Costs Can Be Rolled In
County Loan Limits Apply

USDA Streamline Refinance

No Appraisal / Income Docs Required
Closing Costs Can Be Rolled In
No Lates on Mortgage in Last Year
Payment Must Drop on Fixed Rates

Fort Collins Reverse Mortgage Refinance

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
62 Years or Older
Required Hud Counseling

Homeowners Insurance Required
Must Continue to Pay Taxes
Meet Required Equity Values

Fort Collins Mortgage Programs

Fort Collins Home Purchase

Thinking of Buying a Fort Collins 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

Fort Collins renovation home loans

Looking to Rehab a Fort Collins 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

Fort Collins FHA Home Loans

Great for 1st Time Fort Collins 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

Fort Collins VA Home Loans

100% Financing for Fort Collins 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

Fort Collins Conventional Home Loans

Flexibility for Fort Collins 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

Fort Collins Jumbo Home Loans

Fort Collins 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

Fort Collins USDA Home Loans

100% Rural Fort Collins 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

Fort Collins Native American Loans

Fort Collins 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

Fort Collins Manufactured Home Loans

Great Alternative Fort Collins Housing

Fort Collins reverse mortgages

Your Fort Collins 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

Fort Collins Non QM Home Loans

Making Fort Collins 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

Fort Collins One Time Close mortgages

Build Your Fort Collins 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

Fort Collins Refinance Mortgage Loans

Fort Collins 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

Fort Collins Cash-out Home mortgages

Fort Collins 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.