Capital Home Mortgage Fort Collins
Fort Collins Non Qualified Mortgages
Non Qualified Mortgage Lender Fort Collins Colorado
Non-Qualified Mortgage Loans Fort Collins
A house loan that is excluded from the Consumer Financial Protection Bureau’s (CFPB) agency-standard documentation standards is referred to as a non-qualified mortgage, or non-QM. Non-QM loans could include mortgages with maturities greater than 30 years. It is designed to aid homeowners who require assistance and cannot meet the strict requirements of a qualifying mortgage. Borrowers can use unconventional methods of proving their income while applying for a non-qualified mortgage, which may help them get approved for a house loan. Borrowers with especially unusual income qualification circumstances may be eligible for these loans. For new house purchases, refinances, investment properties, or second homes, a Non-QM loan may be used. Who is Eligible for a Non-QM Loan? For borrowers who can afford a mortgage but have a special financial situation that makes getting a qualifying mortgage difficult, a non-QM loan may make homeownership attainable. Non-QM loans cover the gap for independent contractors with low average incomes or those who have had difficulty obtaining a qualifying mortgage loan due to credit issues. Non-QM loans include underwriting standards that enable the lender to see your financial history in its entirety. This gives the lender the opportunity to assess a borrower’s capacity to repay a loan from a little different angle than usual. For the following people, a non-qm is advantageous: People who are self-employed, foreign nationals, real estate investors, borrowers with significant assets, and borrowers with low credit scores. Benefits of Non-QM Loans if borrowers don’t otherwise qualify, assist them in getting a mortgage; Give more lenient conditions; Use other forms of proof of income, such bank statements. Benefits of a Non-QM Loan Increased interest rate; Significant down payment; Limited supply. Compared to typical mortgages, non-QM loans are more expensive both up front and over the course of the loan. You will probably have greater closing costs and a considerably higher interest rate than with a traditional mortgage because of the added cost of points and fees that usually go along with a non-QM mortgage. Apply for a Non-QM Loan in Fort Collins By helping you establish your goals, a Capital Home Mortgage Fort Collins loan officer can help you decide which of our non-QM mortgage solutions may be best for your unique financial situation. To begin, dial (303) 226-1177 right away.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 Payment
Fort Collins Mortgage Rates
Fort Collins Mortgage Programs
Fort Collins Home Purchase
Thinking of Buying a Fort Collins Home?
- 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
- 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
- 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.
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Vacation or Education
