Let's Pick Your Loan

Fixed Rate Loans

30, 25, 20, 15 and 10 year terms are all available with fixed rate
Low down payment options for primary homes
Refinance up to 95% of your primary home's value
Monthly payments remain the same for the entire loan term

Adjustable Rate Loans

3/1, 5/1, and 7/1 ARM's; monthly payments based on a 30 year repayment schedule
The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term) and adjusts annually thereafter

VA Loans

Competitive interest rates that are routinely lower than conventional rates
Sellers can pay up to 6 percent of closing costs and concessions
Higher allowable debt-to-income ratios than for many other loans
Low down payment options

USDA Loans

Low down payment options for eligible rural homes
No cash reserves required
Seller can pay closing costs
Income limitations
Great first time homebuyer financing option
Very low cash needed to buy your first home

FHA Loans

Low down payment option on purchases
Minimum credit score usually 620
Post-bankruptcy qualifying - 2 years after
Post-foreclosure qualifying - 3 years after

Jumbo Loans

Loan amounts up to $3,000,000
No mortgage insurance up to 89.9% loan value
1-2 units acceptable
30 year fixed, 15 year fixed, and ARM's available

Reverse Mortgages

You must be age 62 years or older, and own the home you live in (must be your principal residence)
Minimal income and credit requirements

Second Home Loans

Cabins, condos and mountain getaways
Financing for part-time use, not full-time rental
Condo and HOA eligibility checked early
Buyers from out of state welcome

Investment Property Loans

Single-family rentals and 2-4 unit properties
Cash-out refinances on rentals you own
Options for self-employed investors
Local guidance on Durango rental rules

Find The Right Home For Your Budget

Get Pre-Qualified! Call Us! 970-828-1610 Call Us! 970-828-1610