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 Unibell Financial Inc Today!
a Preferred Mortgage Lender for Anthony Rael, RE/MAX Alliance - Denver Real Estate Agents

Tenby J. Dahman : Unibell Financial
Tenby J. Dahman
NMLS# 262046



Unibell Financial, Inc.

550 S. Wadsworth Blvd., Suite 301
Lakewood, CO 80226
tenby@coloradomortgageplanner.com

(Office): 303.862.7760
(Mobile): 303.478.9126

Get a Mortgage Pre-Approval Today from Tenby Dahman

 

I’ve been helping families with their mortgages since 1999 and have only ever worked through referrals. So, that has been very rewarding and of course is always my goal in the process, to earn them from you eventually. I pride myself on two things:

  • First, I communicate a ton throughout the process of buying a home and am with you from start to finish making sure you’re always clear on what stage we’re in, how things work, and how you can best prepare.
     

  • Second, I’m kind of a numbers geek, so happy to run numbers in as many ways as you’d like as often as you’d like, while ensuring you continue to do things well outside your mortgage too (retirement savings, reserves, etc.). I can give you ideas that you may not think of beyond the basics and can work with your CPA and/or Financial Planner to ensure we look at the very best financial set up for you all things considered. I can offer referrals to those professionals to complete that circle is you need them as well.

We are a direct lender, which means we can sell directly to the bigger banks or directly to Fannie Mae, Freddie Mac, and Ginnie Mae. This means that we can work without restrictions of other bank overlays creating fewer needed items and a smoother process. We do everything ‘in house’; processing, underwriting, and closing. The end funds come from us, so we have complete control the whole time.

I do the rate shopping for you among the different banks and programs. Per the Regulation Z, 12 C.F.R. § 226 of the S.A.F.E Act that went into effect April 4th, 2011; This reform basically now requires ALL Loan Officers (regardless of the institution; Banks, Bankers, Brokers etc), who originate mortgages, to earn the same commission percentage and charge the same to every borrower. It was implemented to make sure that predatory lending ends and greedy loan officers who were charging borrowers extremely high rates with high profits will now have to offer the exact the same to each and every client.

So, from day one you know that any quote that I provide you on any given day is the best I have to offer on that day based on the loans set up we’ve done for you. We can’t, by law, add in anything additional, so you get a straight forward quote every time. The only changes to price for any product are 100% market driven. Rates are lockable as soon as you have a fully signed contract.

Contact Tenby Dahman at (303) 478-9126 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

 

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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)
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