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Home Mortgage Loans – First Time Purchase – Refinancing

All Loan Products Offered:  Home Loans, FHA, VA, USDA, Reverse Mortgages Financing, HELOC

1st Mortgages is a well established mortgage banker based in Littleton, Colorado; and proudly serving members and customers in Colorado, Arizona, Iowa, Illinois, Kansas, Missouri, Nebraska, Texas, Utah and Wyoming. We specialize in residential mortgage lending for the purchase or refinance of homes. We also pride ourselves on robust access to rehabilitation loans and other specialized loan products, including down payment assistance and reverse mortgages.

Since the inception of 1st Mortgages, the main focus has been to treat all the people we are lucky enough to serve as we would want to be treated. Placing your trust in a home mortgage company to handle your business with care is a big step. We’ll show you that we can handle it, and that you will trust us with your mortgage needs for life.  We’re always Thinking of You First!

Competence, Sincerity and Reliability are the main tenants of the trust anyone would seek when choosing a home mortgage company for one of the largest financial decisions a person can make.

At 1ST Mortgages we pride ourselves on holding those 3 tenants throughout the entire loan process, from application to closing with all our home mortgage loan products:  Home Mortgage Loan FinancingConventional Loans, Home Refinancing, Reverse Mortgages, Federal Housing Administration (FHA), Veterans (VA), Home Equity Loans (HELOC), Rural Development (USDA).

The care taken day to day by the best home mortgage companies is best summarized with the following quote.

A customer is the most important visitor on our premises.  They are not dependent on us.  We are dependent on them.  They are not an interruption in our work.  They are the purpose of it.  They are not  outsiders in our business.  They are part of it.  We are not doing them a favor by serving.  They are doing us a favor by giving us an opportunity to do so.

Frequently Asked Questions About Home Mortgages

  • How do I repair my credit?

    This is a very loaded topic. Whether you are seeking to do it on your own or need assistance, we can help. The simple fact is, bad things happen to good people. If this is you, we are ready to assist you.


    The process by which you can dispute or amend your credit report can be a daunting task. With coaching, research and some tenacity, it certainly can be done!


    1st Mortgages employs a number of credit repair and counseling services to help you, should you need and want to ask for help. Although fixing your credit can be done for free, it is sometimes worth it to pay a reasonable fee for the help these services can provide.

  • Should I refinance my mortgage?

    There are 3 main goals in choosing whether to refinance home loans or not. They are as follows:

     

    (1) Reduce your monthly payment. - You will need to decide if the amount it will decrease is worth it or not. This is a personal decision that only you can determine.


    (2) Reduce the length of your current loan term. - This is a solid choice if you would like to shorten the amount of time you have a monthly mortgage payment. Depending on what your current monthly payment is and what your new payment will be, it might be a good way to own your home outright faster.


    (3) Use the equity you may have in your home to do home improvements, consolidate debt or finance something else like education, a new vehicle or a much needed vacation. - Please know that the 3 options described above can often be combined to maximize the benefit of your refinance transaction. Our Loan Officers are at the ready to crunch the numbers and present your options.

  • When should I "Lock" my interest rate?

    Interest rate locks can be a very consuming question. Interest rates rise and fall frequently and can be unpredictable as a result of economic activity, political unrest or changes in the stack market. Trying to predict and consider the impact any of these factors may have on your interest rate can be overwhelming and very stressful. Rather than become a stock broker overnight, it may be easier to remember a few things.


    1) We will always offer you the best rate that we are able to offer. Regardless of the loan type you've chosen, we will offer you the best rate possible based on the current market and the pricing we have available to us. We cannot guarantee it is the best rate EVER, but it will certainly be competitive.


    2) If you are happy with the monthly payment amount, then go ahead and lock. For a $350,000 loan, your monthly payment will change approximately $25 for every .125% in rate.


    3) Your Mortgage Loan Originator will advise you if locking is a good idea. We employ a great number of people that are well versed in market movements. We will watch the market for you and let you know if locking at any given time is a good idea, or if the market has a little more to give.

Reviews and Testimonials - Home Mortgage Customers: