If you need a mortgage for a new home in the Denver Metro Area, or if you'd like to refinance your existing home loan to benefit from low interest rates and a lower payment, you've come to the right place. My name is Tammi Robson and I want to be Your Mortgage Engineer! As a Senior Licensed Mortgage Broker, I work with over 20 lenders who provide over 30 loan programs.
Regardless of your special needs or circumstances, odds are good we can work together to find the right home loan program that works best for you. I'm an authorized mortgage broker for over 20 lenders with more than 30 loan programs that can be tailored to fit your needs. I can provide mortgages for first time home buyers, FHA, fixed rate mortgages for 10 to 30 year terms, adjustable rate mortgages (ARMs) with various terms, 203k Rehab Loans, jumbo loans up to $6 million, 2nd mortgages, refi's and more!
Whether you're buying a new home or refinancing your current home for a lower mortgage payment, I can design a home loan that fits your needs.
Regardless of your special needs or circumstances, odds are good we can work together to find the right home loan program that works best for you. I'm an authorized mortgage broker for over 20 lenders with more than 30 loan programs that can be tailored to fit your needs. I can provide mortgages for first time home buyers, FHA, fixed rate mortgages for 10 to 30 year terms, adjustable rate mortgages (ARMs) with various terms, 203k Rehab Loans, jumbo loans up to $6 million, 2nd mortgages, refi's and more!
Whether you're buying a new home or refinancing your current home for a lower mortgage payment, I can design a home loan that fits your needs.
Services
Thanks for stopping by my website to learn about me and how I can help you with all your mortgage needs.
I've been a Senior Licensed Mortgage Advisor for over eight years now.
I've helped many clients achieve their dream of home ownership and I've helped many others lower their payments with a refinance.
Given the chance, I'd love the opportunity to do the same for you.
A lot of people assume they won't qualify for a home loan, but with a credit score over 620 and steady income, most people will qualify with the right loan program.
I've been a Senior Licensed Mortgage Advisor for over eight years now.
I've helped many clients achieve their dream of home ownership and I've helped many others lower their payments with a refinance.
Given the chance, I'd love the opportunity to do the same for you.
A lot of people assume they won't qualify for a home loan, but with a credit score over 620 and steady income, most people will qualify with the right loan program.
The goal of any loan application is final approval, but a lot happens between the start and the finish.
It is a complicated process and it requires a lot of information.
However, once you understand the basic process, the whole thing seems much simpler.
To help take the mystery out of the mortgage business, I've defined a typical home loan scenario below, where a borrower like you contacts me for a new mortgage and we work together to get that final approval and clear-to-close.
When you contact me, we'll setup a time to meet so we can get the application process started.
It is a complicated process and it requires a lot of information.
However, once you understand the basic process, the whole thing seems much simpler.
To help take the mystery out of the mortgage business, I've defined a typical home loan scenario below, where a borrower like you contacts me for a new mortgage and we work together to get that final approval and clear-to-close.
When you contact me, we'll setup a time to meet so we can get the application process started.
A Conventional Loan is any loan that isn't guaranteed or insured by the federal government.
Down payments for a conventional loan range from 5% to 20%, although you can put down more if you wish.
This type of loan may be right for you if you have good credit and a large down payment.
An FHA Loan is a loan that's insured by the federal government.
This means that the FHA (Federal Housing Administration) agrees to pay the lender if the borrower defaults on the loan.
The minimum down payment for an FHA insured loan is 3.5%.
Down payments for a conventional loan range from 5% to 20%, although you can put down more if you wish.
This type of loan may be right for you if you have good credit and a large down payment.
An FHA Loan is a loan that's insured by the federal government.
This means that the FHA (Federal Housing Administration) agrees to pay the lender if the borrower defaults on the loan.
The minimum down payment for an FHA insured loan is 3.5%.
A Conventional Loan is any loan that isn't guaranteed or insured by the federal government.
This means that it's not considered FHA, VA or USDA.
Conventional loans come in two varieties: conforming and non-conforming.
Essentially, a conforming conventional loan means that the loan meets all the underwriting guidelines set forth by Fannie Mae and Freddie Mac; the same guidelines used for FHA, VA and USDA.
These loans are often sold to Fannie Mae or Freddie Mac, but they aren't underwritten by a government agency.
This means that it's not considered FHA, VA or USDA.
Conventional loans come in two varieties: conforming and non-conforming.
Essentially, a conforming conventional loan means that the loan meets all the underwriting guidelines set forth by Fannie Mae and Freddie Mac; the same guidelines used for FHA, VA and USDA.
These loans are often sold to Fannie Mae or Freddie Mac, but they aren't underwritten by a government agency.
An FHA Loan is a loan that's insured (not necessarily owned) by the federal government.
This means that the FHA (Federal Housing Administration) agrees to pay the lender if the borrower defaults on the loan.
FHA loans are by far the most popular loans due to their low down payment requirements and attractive interest rates.
The minimum down payment for an FHA insured loan is 3.5%, and it can be in the form of a gift from a friend or relative.
The major downside to FHA insured loans is that you'll be required to pay for private mortgage insurance (PMI) as long as your principal amount owed is less than 80%, or you've owned the loan for less than 5 years.
This means that the FHA (Federal Housing Administration) agrees to pay the lender if the borrower defaults on the loan.
FHA loans are by far the most popular loans due to their low down payment requirements and attractive interest rates.
The minimum down payment for an FHA insured loan is 3.5%, and it can be in the form of a gift from a friend or relative.
The major downside to FHA insured loans is that you'll be required to pay for private mortgage insurance (PMI) as long as your principal amount owed is less than 80%, or you've owned the loan for less than 5 years.
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