At Consumer Mortgage Services, Inc., you are always speaking to the originator as we do not have off site or contract processors which can cause a delay in your loan closing. We have all the technology tools required that insures you will have an expedited and seamless closing. Being approved by several lenders will help you secure the very best rate based on your credit qualifications.
We have some of the lowest rates in Colorado. Whether you have perfect credit or have credit issues, please allow us to assist you. We are proud members of the Better Business Bureau and maintain a A + rating. We are approved with several lenders.
We have some of the lowest rates in Colorado. Whether you have perfect credit or have credit issues, please allow us to assist you. We are proud members of the Better Business Bureau and maintain a A + rating. We are approved with several lenders.
Services
At Consumer Mortgage Services, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We are approved with several lenders who offer all the agency backed loans such as VA, FHA, USDA and Fannie Mae and Freddie Mac.
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
Refinancing is often used to lower your interest rate. If rates have dropped since you last financed your home, you may want to consider refinancing. Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
Cashing out refers to the refinancing of a loan where the borrowers will borrow money on their own home. If a home is appraised at $100,000 and the borrower's outstanding mortgage loan is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a loan of $80,000 (80% of $100,000).
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