Best mortgage lenders in Denver: Denver is the capital city of Colorado united states of America,
It is located in the central part of the state, on the eastern side of the Rocky Mountains. Denver has a population of approximately 700,000 people and is known for its beautiful scenery, outdoor activities, cultural attractions, and thriving business community.
In this article, we will explain and bring to your notice the 12 best mortgage lenders in Denver, Colorado, and why you should consider marking any of them as your go-to mortgage company. But before we proceed, let’s know what a mortgage lender is all about.
What is a mortgage lender?
A mortgage lender is a financial institution or individual that provides loans to borrowers to purchase real estate. The lender provides the borrower with funds, and the borrower pays back the loan with interest over a set period. Mortgage lenders can be traditional banks, credit unions, mortgage brokers, online lenders, or private lenders. They review a borrower’s financial information, credit history, and other relevant factors to determine whether to approve a loan application and what the terms and interest rates of the loan will be.
12 best mortgage lenders in Denver 2023
Now here is the list of 12 best mortgage companies and lenders in Denver the capital and largest city in the state of Colorado united states of America, as compiled by the team at comfudosearch.com
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- Quicken Loans
- Veterans United Home Loans
- Fairway Independent Mortgage Corporation
- Academy Mortgage Corporation
- Guild Mortgage
- American Financing
- Cardinal Financial Company
- Summit Mortgage Corporation
- Homebridge Financial Services
- S. Bank Mortgage
- Elevations Credit Union Mortgage
- AmeriSave Mortgage Corporation
Quicken loans
Quicken Loans is a mortgage lending company based in Detroit, Michigan, that is known for its online mortgage lending platform. It was founded in 1985 and has since grown to become one of the largest mortgage lenders in the United States, with a market share of around 6%. Quicken Loans offers a variety of mortgage products, including fixed-rate and adjustable-rate mortgages, FHA loans, VA loans, jumbo loans, and refinancing options. The company is also known for its Rocket Mortgage platform, which allows borrowers to complete the entire mortgage application process online, from pre-approval to closing. The Rocket Mortgage platform uses advanced technology to quickly and accurately process applications and has been credited with helping to streamline the mortgage lending process for borrowers
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Veterans United Home Loans
Veterans United Home Loans is a mortgage lender that specializes in providing home loans to military veterans and active-duty service members. The company was founded in 2002 and is based in Columbia, Missouri, but it has a nationwide presence and serves customers in all 50 states. Veterans United Home Loans offers different types of mortgage products, including conventional loans, FHA loans, VA loans, and jumbo loans, and it has a team of experienced loan officers who are trained to work with veterans and military families. The company is known for its commitment to customer service and has won numerous awards for its mortgage lending operations, including being ranked as the top VA lender in the United States for six consecutive years by the Department of Veterans Affairs. Veterans United Home Loans also has a strong focus on giving back to the military community and has donated millions of dollars to veterans’ organizations and charitable causes
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a mortgage lender that was founded in 1996 and is based in Madison, Wisconsin. The company has grown rapidly and now has a nationwide presence, with more than 8,000 employees and over 500 branches in all 50 states. Fairway Independent Mortgage Corporation offers different kinds of mortgage products, these products include
- Conventional loans,
- FHA loans, VA loans,
- USDA loans, jumbo loans, and
- Reverse mortgages.
The company is known for its focus on customer service and has won numerous awards for its mortgage lending operations, including being ranked as one of the top 10 mortgage lenders in the United States by Mortgage Executive Magazine. Fairway Independent Mortgage Corporation also has a strong commitment to giving back to the community and has donated millions of dollars to charitable causes through its Fairway Cares program.
Academy Mortgage Corporation
Academy Mortgage Corporation is a mortgage lender that was founded in 1988 and is based in Draper, Utah. The company has a nationwide presence, with more than 300 branches in 49 states and over 3,000 employees. Academy Mortgage Corporation offers a wide range of mortgage products, including conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, and renovation loans. The company is known for its commitment to customer service and has won numerous awards for its mortgage lending operations, including being ranked as one of the top mortgage lenders in the United States by Mortgage Executive Magazine. Academy Mortgage Corporation also has a strong focus on technology and has developed several proprietary technology platforms to streamline the mortgage lending process for borrowers.
Guild Mortgage
Guild Mortgage is a mortgage lender that offers a variety of home loan options to help individuals and families buy or refinance their homes. The company was founded in 1960 and is based in San Diego, California.
Guild Mortgage provides different kinds of loan products, including conventional loans, jumbo loans, FHA loans, VA loans, USDA loans, and renovation loans. They also offer down payment assistance programs, homebuyer education courses, and other resources to help make the home-buying process easier and more affordable.
The company also provides other services to help borrowers throughout the loan process. These services include online application and tracking tools, personalized guidance from loan officers, and a team of underwriters and processors to help ensure a smooth and timely loan process.
The company is a reputable lender with a long history of helping people achieve their homeownership goals. If you’re in the market for a mortgage or looking to refinance your existing loan, it may be worth considering Guild Mortgage as a potential lender.
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American Financing
American Financing is a direct mortgage lender that provides different kinds of home loan products to borrowers across the United States. The company was founded in 1999 and is headquartered in Aurora, Colorado.
The product of American Financing includes
- Conventional loans,
- FHA loans, VA loans,
- USDA loans,
- jumbo loans, and
- Fixed-rate and adjustable-rate mortgages.
They also provide refinancing options for borrowers looking to lower their monthly payments or take advantage of lower interest rates.
The company mostly focused on personalized customer service. They assign each borrower a dedicated mortgage consultant who works with them from start to finish to help them find the right loan product and navigate the loan process.
Overall, American Financing is a reputable lender with a focus on personalized service and a wide range of loan options. If you’re in the market for a mortgage or looking to refinance your existing loan, it may be worth considering American Financing as a potential lender. However, as with any lender, it’s important to do your research and compare rates and terms to find the best fit for your needs.
Cardinal Financial Company
Cardinal Financial Company, also known as Cardinal Financial, is a direct mortgage lender that offers a variety of home loan products to borrowers across the United States. The company was founded in 1987 and is headquartered in Charlotte, North Carolina.
These are some of the loan options that are offered by Cardinal Financial Company
- Conventional loans,
- FHA loans,
- VA loans,
- USDA loans,
- jumbo loans, and
- Fixed-rate and adjustable-rate mortgages.
One of the unique features of Cardinal Financial is its digital mortgage platform, which allows borrowers to apply for a loan, upload documents, and tracks the progress of their application entirely online. They also offer personalized guidance from a dedicated loan officer to help borrowers navigate the loan process.
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Summit Mortgage Corporation
Summit Mortgage Corporation is a full-service mortgage lender headquartered in Plymouth, Minnesota. The company was founded in 1992 and has since expanded to serve customers in multiple states across the United States. Summit Mortgage Corporation offers a wide range of mortgage products, including conventional, FHA, VA, USDA, and jumbo loans, as well as refinancing options.
In addition to its mortgage lending services, the company also provides guidance and educational resources to help customers make informed decisions about their home financing options.
Homebridge Financial Services
Homebridge Financial Services is a full-service mortgage lender that offers different of home financing solutions. Founded in 1989, the company is headquartered in Iselin, New Jersey, and has grown to serve customers in all 50 states.
Homebridge Financial Services provides a lot of mortgage products, including conventional, FHA, VA, and jumbo loans, as well as renovation and construction financing. The company also offers refinancing options and works with first-time homebuyers, investors, and other borrowers with unique financing needs.
Homebridge Financial Services is mostly known for its personalized service and aims to provide a smooth and transparent mortgage process for its customers. The company’s loan officers work closely with borrowers to understand their individual needs and financial goal and offer guidance and support throughout the home financing process.
U.S. Bank Mortgage
U.S. Bank Mortgage is the mortgage lending division of U.S. Bank, a large commercial bank headquartered in Minneapolis, Minnesota. U.S. Bank Mortgage offers a variety of home financing solutions, including conventional, FHA, VA, and jumbo loans, as well as refinancing options.
U.S. Bank Mortgage has a nationwide presence and serves customers in all 50 states. The company prides itself on its customer service and offers a range of online tools and resources to help customers manage their mortgages and make informed financial decisions.
U.S. Bank Mortgage’s loan officers work closely with borrowers to understand their individual needs and provide personalized guidance throughout the mortgage process. The company also offers special programs for first-time homebuyers and military veterans, as well as resources for homeowners facing financial hardship
Elevations Credit Union Mortgage
Elevations Credit Union Mortgage is the mortgage lending division of Elevations Credit Union, the company is a financial institution based in Boulder, Colorado. Elevations Credit Union Mortgage offers different kinds of mortgage products, including conventional, FHA, VA, USDA, and jumbo loans, as well as refinancing options.
The company serves customers in different parts of united the states, including Colorado, Wyoming, and Nebraska, it is highly cherished by customers because of its personalized service and competitive rates. The company’s loan officers work closely with borrowers to understand their individual needs and provide guidance throughout the mortgage process.
Elevations Credit Union Mortgage also provides different kinds of online tools and resources to help customers manage their mortgages and make informed financial decisions. The company is committed to sustainable and responsible lending practices and offers special programs for first-time homebuyers and borrowers with unique financing needs.
AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation is a U.S.-based mortgage lender headquartered in Atlanta, Georgia. It was founded in 2002 and provides home loans, refinancing, and other mortgage products to consumers across the country.
The company provides different types of mortgage options, such as conventional, FHA, VA, and USDA loans, as well as jumbo loans for higher-priced properties. AmeriSave also provides many refinancing options, such as rate-and-term refinancing, cash-out refinancing, and streamline refinancing.
AmeriSave Mortgage Corporation has received numerous industry awards for its customer service, including being named one of the Top 5 Customer Service Mortgage Companies by LendingTree in 2021.
Frequently Asked Questions About Mortgage Lenders In Denver
Here are some frequently asked questions about mortgage lenders in Denver:
What types of mortgage lenders are there?
There are so many types of mortgage lenders, such as traditional banks, credit unions, mortgage brokers, online lenders, and private lenders.
What should I look for in a mortgage lender?
When choosing a mortgage lender, you should consider their reputation, interest rates and fees, loan options, customer service, and experience. It’s also very necessary to shop around and compare rates and terms from multiple lenders before making a decision.
What is the difference between a mortgage lender and a mortgage broker?
A mortgage lender is a financial institution or individual that provides loans directly to borrowers. A mortgage broker, on the other hand, acts as an intermediary between borrowers and lenders. They help borrowers find the best mortgage lender for their needs and may charge a fee for their services.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate of how much you may be able to borrow based on your income, credit score, and other financial information. Pre-approval is a more in-depth process that involves a lender verifying your income, credit history, and other financial information to determine how much they are willing to lend you.
How long does it take to get a mortgage?
The time it takes to get a mortgage can vary depending on the lender, the type of mortgage, and other factors. however, the process can take a few weeks to a few months.
What documents do I need to apply for a mortgage?
To apply for a mortgage, you will typically need to provide documents such as your W-2s or tax returns, pay stubs, bank statements, and proof of assets. The lender may also require additional documentation depending on your financial situation and the type of loan you are applying for.
What is the difference between a fixed-rate and an adjustable-rate mortgage? A fixed-rate mortgage has a set interest rate that remains the same for the entire term of the loan. An adjustable-rate mortgage (ARM) has an interest rate that can fluctuate over time based on market conditions.