Let's Talk Mortgages

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Purchase

In the market for a new home? Let us know the details so we can best help you with your financing options.

LEARN COST ANALYSIS

    Is this your first home purchase?

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    What is the type of home you are looking for?

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    Do you qualify for a VA loan?

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    Choose how your home will be used

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    Loan Amount Requested

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    Purchase Price

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    What is your credit score?

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    Are you self-employed?

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    Have you had a foreclosure, short sale, or bankruptcy in the last 7 years?

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    Property Zip Code

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    What is your first name?

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    What is your last name?

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    Thank you!
    What is your email address?

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    What is your best contact phone number?

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    Thanks for your request!

    We've received your request and look forward to speaking with you soon.

    One of our representatives should be calling you shortly, but if you need immediate assistance you may contact us directly at 970-828-1610.

    If you want to get started right away please apply HERE.

    We look forward to the opportunity of earning your business.

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    Refinance

    We would love to help you refinance but want to make sure it’s best for you! Let’s talk details.

    LEARN COST ANALYSIS

      What is the balance of a loan you want to refinance?

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      What is the type of home do you currently own?

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      Choose how your home is being used

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      Estimated value of your home

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      Do you have a second mortgage?

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      What is your credit score?

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      Have you had a foreclosure, short sale, or bankruptcy in the last 7 years?

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      Property Zip Code

      Next

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      What is your first name?

      Next

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      What is your last name?

      Next

      Back

      Thank you!
      What is your email address?

      Next

      Back

      What is your best contact phone number?

      Back

      1
      /

      Thanks for your request!

      We've received your request and look forward to speaking with you soon.

      One of our representatives should be calling you shortly, but if you need immediate assistance you may contact us directly at 970-828-1610.

      If you want to get started right away please apply HERE.

      We look forward to the opportunity of earning your business.

      Home
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      Refinance Cash Out

      Let’s strategize together to make sure you’re accomplishing all of your goals in one fell swoop.

      LEARN COST ANALYSIS

        How much would you like to borrow?

        Next

        Back

        What is the type of home do you currently own?

        Back

        Choose how your home is being used

        Back

        Estimated value of your home

        Next

        Back

        What’s your balance of your current loan?

        Next

        Back

        Do you have a second mortgage?

        Back

        What is your credit score?

        Back

        Have you had a foreclosure, short sale, or bankruptcy in the last 7 years?

        Back

        Property Zip Code

        Next

        Back

        What is your first name?

        Next

        Back

        What is your last name?

        Next

        Back

        Thank you!
        What is your email address?

        Next

        Back

        What is your best contact phone number?

        Back

        1
        /

        Thanks for your request!

        We've received your request and look forward to speaking with you soon.

        One of our representatives should be calling you shortly, but if you need immediate assistance you may contact us directly at 970-828-1610.

        If you want to get started right away please apply HERE.

        We look forward to the opportunity of earning your business.

        Home
        couple

        Financial Security Starts at Home

        We are here to help you every step of the way.

        From initial conversations to closing, we are committed to providing you a painless mortgage experience. We provide local, in-house processing and underwriting on every individual loan with the highest level of personal service. Rest easy knowing Animas Mountain Mortgage is working to ensure you obtain the best loan possible for each unique situation.

        Our Specialties

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        Unmatched Customer Service

        We take pride in our customers, and quality customer service is our upmost highest priority. Our staff is available at all times to help you with any questions or concerns you may have.
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        Exceptional Loans and Mortgages

        We work with multiple lenders, allowing us to provide our clients with extremely competitive pricing. When you work with us, we do all of your comparison shopping for you and keep you notified along the way. Rest easy knowing you are getting the best rate available.
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        Clients Come First

        Our clients come first every step of the way. Our staff is always available to answer any questions or concerns throughout the entire mortgage process.
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        Mortgage Resources

        Below are several resources to help answer any question you may have about your mortgage or refinancing options. 

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        Compare Loans

        Consider our complete list of loans to help you decide which loan is the best fit for you.

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        Calculators

        Make sense of the numbers. We have several different calculators to explore for different mortgage needs. 

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        Questions & Answers

        The most common mortgage questions addressed. Still looking for answers? Give us a call! 970-828-1610

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        Answers To Some Commonly Asked Questions.

        If you have additional questions, please give us a call at 970-828-1610 or email us at anytime at  [email protected].

        Can't afford to put 20% down?
        No problem, there are many programs available today that require less than 5% down payment. Give us a call and we can help find the right path forward for your unique needs.
        Do we offer Custom Loan programs?
        Yes! Our small, local business model allows us access to many different lenders. We will find the best loan scenario for each unique situation.
        Can I use some of my IRA or 401(k) plan for a down payment?
        Yes, but the rules for this type of exchange are always changing. Your best bet is to contact your accountant to review the most current regulations.
        What's the difference between a fixed and an adjustable rate mortgage?
        With a fixed rate mortgage, the interest rate and the amount you pay each month remain the same over the entire mortgage term, traditionally 15, 20 or 30 years. Several variations are available, including five- and seven-year fixed rate loans with balloon payments at the end. With an adjustable rate mortgage (ARM), the interest rate fluctuates per the indexes. Initial interest rates of ARMs are typically offered at a discounted ("teaser") interest rate lower than fixed rate mortgage. Over time, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down. Different ARMs are tied to different financial indexes, some of which fluctuate up or down more quickly than others. To avoid constant and drastic changes, ARMs typically regulate (cap) how much and how often the interest rate and/or payments can change in a year and over the life of the loan. Several variations are available for adjustable rate mortgages, including hybrids that change from a fixed to an adjustable rate after a period of years.
        What's better, a fixed or an adjustable rate mortgage?
        It depends. Interest rates and mortgage options change often, so your choice of a fixed or adjustable rate mortgage should depend on the interest rates and mortgage options available when you're buying a house, your view of the future (generally, high inflation will mean ARM rates will go up and lower inflation that they will fall), and how willing you are to take a risk. When mortgage rates are low, a fixed rate mortgage is the best bet for most buyers. Over the next five, ten or thirty years, interest rates are more apt to go up than further down. Even if rates could go a little lower in the short run, an ARM's teaser rate will adjust up soon and you won't gain much. In the long run, ARMs are likely to go up, meaning most buyers will be best off to lock in a favorable fixed rate now and not take the risk of much higher rates later. Keep in mind that lenders not only lend money to purchase homes; they also lend money to refinance homes. If you take out a loan now, and several years from now interest rates have dropped, refinancing will probably make sense.
        What is private mortgage insurance (PMI)?
        Private mortgage insurance (PMI) policies are designed to reimburse a mortgage lender up to a certain amount if you default on your loan. Most lenders require PMI on loans where the borrower makes a down payment of less than 20%. Premiums are usually paid monthly or can be financed. Except for some government and older loans, you may be able to drop the mortgage insurance once your equity in the house reaches 22% and you've made timely mortgage payments. The Servicing Lender will have the requirements for canceling the mortgage insurance.
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        Customer Love

        Peter is professional, courteous, and always available. He was instrumental in keeping the ball moving and helped is the entire way.
        Steven Miller
        Peter was extremely helpful and provided a lot of timely information. This wasn't our first mortgage experience yet we learned more while going through the process with Peter's guidance. We were more comfortable and confident in our decisions because of his experience and advice. Additionally, he shared tips for us to keep in mind in the future that will both make things easier and save us money.
        Matthew French-Holt
        Peter worked with us to get a mortgage in record time (seriously, less than two weeks) for a purchase we wanted to make that was time sensitive! It was the easiest purchasing process we've ever had with clear directions for what we needed to provide and frequent communication about how things were going. We will never use another mortgage broker.
        Lynn May
        Peter was excellent to work with. As a first time home buyer, I didn't know what I was getting into, especially in this highly competitive market. He provided tons of support along the way, answered never ending questions and was incredibly patient and encouraging after many failed attempts. Couldn't have asked for a better person to rely on.
        Tori Moon
        I highly recommend Peter to anyone looking to get a mortgage. He was very on top of everything and quick to respond to all our questions. He provides constant updates throughout the process, which we found very helpful!
        Aanchal Tiwari
        I had a great experience working with Peter and Animas Mountain Mortgage. They were very attentive and responsive to my questions and needs. They kept my thoroughly informed throughout the process and gave me great advise along the way. I would not hesitate to recommend this company to anyone seeking lending services. Thank you Animas Mountain Mortgage!
        Rick Silverman
        I would highly recommend working with Peter at Animas Mtn Mortgage. He was very fast and responsive and helped us problem solve some unusual terms. This has been our smoothest purchase yet and I will definitely return for my next loan.
        Jeremy May
        As first time home buyers, we were new to the process, but Peter took the time to answer any questions and I felt like he was always on top of things. I appreciated his prompt communication and help as we navigated through the process and he helped make this first experience a lot less stressful. Peter is professional and personable and we are really happy we got to work with him. Thanks Peter!
        Katie Miller
        Peter helped my family refinance our new house, mere weeks after our initial purchase. We felt we could get a better financing rate than with our first broker, and Peter did not disappoint! He was readily available to answer any questions we had, and he worked diligently to ensure we received the best available interest rate and loan terms. We will happily recommend Peter’s services to anyone looking to secure a home mortgage.
        Brandon Gottesman
        Peter is fantastic to work with, and WOW - is he on top of it! Would we work with him again - Absolutely yes! He went above and beyond and we are so grateful for his hard work on our behalf!
        Veronica Lasater
        Peter has been my go to person for financing for several properties in recent years, most recently a refinancing in November 2021. He goes above and beyond to make the process as streamlined and smooth as possible and always offers me good rates. I know that Peter is honest and conscientious, and that is also of great value to me - I never feel the need to shop around because I trust Peter to offer me a competitive rate and to protect my interests..
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        Good Measure in the News

        Fed Watch

        So that’s my goal here – to shed some light on what the Federal Reserve is and how it impacts your finances and investments.

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        Find The Right Home For Your Budget