At Consumer Mortgage Services, Inc., you are always speaking to the originator as we do not have off site or contract processors which can cause a delay in your loan closing. We have all the technology tools required that insures you will have an expedited and seamless closing. Being approved by several lenders will help you secure the very best rate based on your credit qualifications.
We have some of the lowest rates in Colorado. Whether you have perfect credit or have credit issues, please allow us to assist you. We are proud members of the Better Business Bureau and maintain a A + rating. We are approved with several lenders. This allows us to get you the best rates on all types of loan programs including: 30yr mortgages, 20yr mortgages, 15yr mortgages, 10yr mortgages, 1yr ARMS, 3yr ARMS, 5yr ARMS, 7yr ARMS, Conventional, FHA, USDA, VA, JUMBO and home equity loans.
Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we have the program that should fit your needs.
We have some of the lowest rates in Colorado. Whether you have perfect credit or have credit issues, please allow us to assist you. We are proud members of the Better Business Bureau and maintain a A + rating. We are approved with several lenders. This allows us to get you the best rates on all types of loan programs including: 30yr mortgages, 20yr mortgages, 15yr mortgages, 10yr mortgages, 1yr ARMS, 3yr ARMS, 5yr ARMS, 7yr ARMS, Conventional, FHA, USDA, VA, JUMBO and home equity loans.
Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we have the program that should fit your needs.
Services
At Consumer Mortgage Services, Inc., we treat each customer as an individual, not a number.
We don't place you into a loan profile formula created by the banking industry.
We use "common sense" and will help you obtain the best loan possible.
We are approved with several lenders who offer all the agency backed loans such as VA, FHA, USDA and Fannie Mae and Freddie Mac.
We also have several non conforming loan programs for the client that has a recent bankruptcy, foreclosure or other significant credit event.
We don't place you into a loan profile formula created by the banking industry.
We use "common sense" and will help you obtain the best loan possible.
We are approved with several lenders who offer all the agency backed loans such as VA, FHA, USDA and Fannie Mae and Freddie Mac.
We also have several non conforming loan programs for the client that has a recent bankruptcy, foreclosure or other significant credit event.
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Consumer Mortgage Services, Inc., we are dedicated to finding the loan that fits your individual needs.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Consumer Mortgage Services, Inc., we are dedicated to finding the loan that fits your individual needs.
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history.
The lender will request a credit report from a credit agency and will verify the information provided in your loan application.
Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
401k or 403b program.
W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment.
Homeowner's association information with contact information if property is a condo or part of a homeowner's association.
The lender will request a credit report from a credit agency and will verify the information provided in your loan application.
Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
401k or 403b program.
W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment.
Homeowner's association information with contact information if property is a condo or part of a homeowner's association.
Refinancing is often used to lower your interest rate.
If rates have dropped since you last financed your home, you may want to consider refinancing.
Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
A few reasons for cashing out include: home improvement, an education fund, and consolidating debt.
Another way to convert equity in your home to cash is a "home equity" loan.
If rates have dropped since you last financed your home, you may want to consider refinancing.
Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
A few reasons for cashing out include: home improvement, an education fund, and consolidating debt.
Another way to convert equity in your home to cash is a "home equity" loan.
Cashing out refers to the refinancing of a loan where the borrowers will borrow money on their own home.
If a home is appraised at $100,000 and the borrower's outstanding mortgage loan is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a loan of $80,000 (80% of $100,000).
The new mortgage of $80,000 will pay off the $60,000 loan and leave $20,000 cash-out to the borrowers.
Cash out refinances are available on primary residences, second homes and rental properties.
If a home is appraised at $100,000 and the borrower's outstanding mortgage loan is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a loan of $80,000 (80% of $100,000).
The new mortgage of $80,000 will pay off the $60,000 loan and leave $20,000 cash-out to the borrowers.
Cash out refinances are available on primary residences, second homes and rental properties.
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