Buying a Home : Everything You Need to Know : Experienced Honest & Trustworthy REMAX Denver Colorado Real Estate Agent : Anthony Rael : #JustCallAnts


Pre-qualify for a Mortgage Loan with Home Mortgage Alliance Today!
a Preferred Mortgage Lender for Anthony Rael, RE/MAX Alliance - Denver Realtor


Tiffany Swisher

NMLS #406333



Home Mortgage Alliance
5440 Ward Rd. #110
Arvada, CO 80002
Mobile:  (303) 884-4137
E-mail:  tswisher@homemortgagealliance.com
 

Get a Mortgage Pre-Approval Today from David Thomas

Download our 2020 First-Time Homebuyers Guide


Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.  I look forward to working with you.

Contact Tiffany Swisher at (303) 884-4137 to get pre-approved for a loan. There is absolutely no charge or obligation and is a vital first step in preparing to purchase a property.
 

Mortgage Loan Programs

Loan Program

Features

Recommended For

Conventional Fixed Rate Mortgage

  • Monthly principal and interest (P&I) payments that stay fixed for the entire life of the loan

  • Protection from rising interest rates

  • Borrowers who prefer regular payments with no surprises

  • People with limited or fixed incomes

  • People who plan to stay in their homes a long time

  • People who are refinancing at a time when interest rates are comparatively low

FHA Loan

  • Low down payment requirements

  • Flexible income, debt, and credit requirements

  • Down payment and closing costs may be funded by a gift or grant

  • First-time and repeat homebuyers

  • Homebuyers with limited funds for down payment

  • Homebuyers with less than perfect credit

  • Homebuyers who need a non-occupant, co-borrower

VA Loan
Buying a Home with VA Loan? Get Pre-Approved for a $0 Down Payment VA Loan

  • No down payment required

  • Flexible income, debt, and credit requirements

  • Down payment and closing costs may be funded by a gift or grant

  • Eligible military service members (may include veterans, reservists, active-duty members)3

  • Eligible homebuyers with limited funds for down payment

  • Eligible homebuyers with less-than-perfect credit

Lender-Paid Mortgage Insurance Option

  • Bypasses mortgage insurance costs when your loan-to-value ratio is more than 80%

  • Money that would have gone to mortgage insurance goes instead to tax-deductible interest payments2

  • Homebuyers without enough cash for a 20% down payment

  • Homeowners who plan to move or refinance within ten years

Jumbo Loans

  • Mortgage amounts in excess of the conforming loan limit1 set by Fannie Mae and Freddie Mac

  • Also known as nonconforming loans

  • Typically carry higher interest rates

  • Homeowners who need to refinance a property with a higher appraised value and can handle larger monthly payments

Adjustable-Rate Mortgage

  • Interest rate that is fixed for an initial period, then adjusts periodically based on market conditions

  • Lower initial rate than with a fixed-rate mortgage

  • A variety of fixed-period options

  • People looking for lower monthly payments in the short term

  • People who plan to move or refinance again within a few years

FHA Streamline Refinance

  • Reduced documentation requirements

  • Less processing time than a full FHA refinance

  • No appraisal in some cases

  • Closing costs may be financed

Current FHA mortgage holders who want to:

  • Reduce monthly payments by refinancing to a lower interest rate

  • Refinance as quickly and conveniently as possible

VA Interest Rate Reduction Refinance Loan (IRRRL)

  • Reduced documentation requirements

  • Less processing time than a full VA refinance

  • No appraisal in some cases

  • Closing costs may be financed

Current VA mortgage holders who want to:

  • Reduce monthly payments by refinancing to a lower interest rate

  • Refinance as quickly and conveniently as possible

Mortgage Loan Recasting

  • Lower Monthly Payments

  • Paying Less Interest

Current homeowners who want to:

 

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Anthony "Mike" Rael  |  REMAX Alliance - Arvada  |  5440 Ward Rd., #110  |  Arvada, Colorado 80002  |  303.520.3179  |  'Call Ants'
Licensed Colorado Real Estate Agent  |  Certified Negotiation Expert (CNE)  |  Seniors Real Estate Specialist (SRES)
AnthonyRael.REALTOR  |  HomesInColorado.info  |  SearchHomesInDenver.com  |  HomesForSaleDenverColorado.com


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