Les "the Lender" and his lending team are a full-service mortgage company based in Castle Rock, CO. We have a passion for serving others, and we welcome the opportunity to serve YOU! For over 25 years we have specialized in Home Purchase Loans and Refinancing loans across the nation. Now, with recent events and realizing the need for all hands on deck in our local communities - we have made it our primary focus to serve our hometown and the surrounding cities.
Whether you are located in Castle Rock, the surrounding area, or anywhere in Colorado, we WILL help you realize your dream of home ownership, save you money, or solutions such as being able to access home equity to use those big life events. If you are in the Military, we want to say THANK YOU - and please ask us about our S.A.V.E options- which stands for Soldiers Are Vital Everywhere.and is a competitive portfolio of the TOP VA financing options.
We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
Whether you are located in Castle Rock, the surrounding area, or anywhere in Colorado, we WILL help you realize your dream of home ownership, save you money, or solutions such as being able to access home equity to use those big life events. If you are in the Military, we want to say THANK YOU - and please ask us about our S.A.V.E options- which stands for Soldiers Are Vital Everywhere.and is a competitive portfolio of the TOP VA financing options.
We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
Services
Colorado One Mortgage strives to ensure that its services are accessible to people with disabilities.
Colorado One Mortgage has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Colorado One Mortgage makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server.
Colorado One Mortgage has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Colorado One Mortgage makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server.
Applying for a mortgage can seem like a daunting and scary process.
To help, we've created a checklist of things for you to compile, complete and acknowledge before applying.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score.
A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value.
To help, we've created a checklist of things for you to compile, complete and acknowledge before applying.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score.
A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value.
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them.
Luckily we're here to help you choose the best type of home loan for your needs.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-i.
Luckily we're here to help you choose the best type of home loan for your needs.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-i.
The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
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