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Colorado Residential Lending

We are a local Denver company specializing in residential home loans. We realize that there are lot's of mortgage companies out there to choose from so our goal is to separate ourselves from the rest. So how are we different?

Competitive Interest Rates  We don't mind if our customers shop us around because we offer very aggressive rates on conventional and FHA loans. We are a wholesale lender and can pass those savings on to our clients. Don't be surprised if we beat out your credit union by a half percent or more. We also specialize in NO_-OST loans. A NO-COST mortgage will help you maintain more equity in your home by eliminating all of the closing costs and/or prepaid costs.

Personal Service • We are located in the heart of Denver and work with only Colorado residents. Our loan officers only work with a small number of clients at once, resulting in a much higher level of service. We can meet with our clients in-person or communicate through email depending on the clients preference. We are always available on the weekends and evenings to answer your questions and concerns and we won't ever make you feel like you're bothering us.

Technology  We use an automated underwriting system that allows us to pre-approve a loan in a matter of hours. The automated approval system is tied in directly to Fannie Mae and Freddie Mac, resulting in a more accurate pre-approval and less headaches for our clients. We also use Docusign to help with all of the initial loan disclosures. This means we can send you the loan application by email and you can E-sign all of the disclosures. E-signing documents will help you avoid unnecessary faxing or scanning. The goal is to save you time and make your experience as stress free as possible. 

Various Loan Programs

Purchase Programs - 15/20/25/30 year Fixed

Conventional Loans with only 5% Down Payment and NO Mortgage Insurance. Very aggressive rates and low fees.

FHA with only 3.5% Down Payment. Competitive rates but unfortunately has mortgage insurance. Typically for clients with credit scores under 660 or unique financial situations.

Gift Funds allowed on both on FHA and Conventional Loans(Gift can come from family or employer and can go towards down payment and/or closing costs)

100% USDA Rural Loans - Purchasing in a rural area? Take advantage of the ZERO DOWN USDA program. Income restrictions do apply. Please contact us for more details.

• 100% VA Military Loans - Current military and former military personnel can take advantage of their VA benefits and qualify for one of the best loans in the country. Very aggressive rates, NO monthly mortgage insurance and Zero Down Payment.

 

Refinance Programs - 15/20/25/30 year Fixed or short term 5/7/10 year adjustable.

• FHA Streamline - Refinance your FHA loan without an appraisal or having to prequalify for the loan.  No appraisal, No W2s, No Tax Returns, No Stress.

• NO closing costs option always available(NO-COST available on conventional, FHA, VA and USDA)

• Remove Mortgage Insurance - Get out of your FHA or CHFA loan and get into a better conventional conforming loan.

• Fannie Mae&Freddie Mac Making Home Affordable Program - Ability to waive the appraisal cost and not have to worry about the home value or whether you have enough equity to refinance.

Check to see if you qualify for Fannie Mae Making Home Affordable program here. Check if you qualify for Freddie Mac here.

 



 
Trust Home Loans
Trust Home Loans
Direct 720.514.3388
igor@coloradotrustloans.com
Online contact form
igor@coloradotrustloans.com

30 Year Fixed - 3.83%
Traditional 30 year mortgage - National Average

15 Year Fixed - 3.1%
Traditional 15 year mortgage - National Average

5/1 ARM - 2.69%
5 Year Fixed / adjustable rate mortgage - National Average

3/1 ARM - 2.37%
3 Year Fixed / adjustable rate mortgage - National Average

CODI - 0.206%
Certificate of Deposit Index

COSI - 0.840%
Cost of Savings Index

MTA - 0.114%
Monthly Treasury Average

COFI-11th District - 0.671%
Cost of Funds Index 11th District

COFI-Federal - 0.932%
Cost of Funds Index

Federal Funds - 0.25%
Federal Funds Rate

Prime Rate - 3.25%
Wall Street Journal Prime Rate

1 Year CMT - 0.25%
Constant Maturity Treasury

30 Year Treasury - 2.786%
30 Year Treasury Bond

12 Month LIBOR - 0.792%
12 Month USD LIBOR Index


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