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 Financing, Conventional 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.
Reduce your monthly payment or use your home's equity to fix up the house or consolidate other debt.Refinance Your Loan!
1st Mortgages has many options to assist you. Whether this will be your first home or you are a mortgage pro, we're ready to help.Pre-Qualify Now
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:
I have used 1st Mortgages for the last 6 homes I have purchased as well as refis. They are the best mortgage company in Denver and they get the best rates. I have not found another mortgage company even comparable to them.
Dave Matejka and all of the staff are wonderful! They guide you through every step, explain things thoroughly and give you all the information they can to help you make decisions that are right for you. Dave also did extra research to make sure we were getting the best possible deal we could on our re-fi. I highly recommend 1st Mortgages and we will definitely use them for any future mortgage needs.
--Jessica Johnston Brill
I cannot express how scared I was to go through this process of buying a home. I was a first time home buyer and had many questions on the entire process. Wilson and his team made this a great process for me. He walked me through each portion of the loan process, and advised me of things to expect. They were very upfront on documents needed and were proactive at acquiring documents from me to help to ensure I closed on time. Wilson and his team made this a smooth transition for me and helped me purchase my first home!! I am forever grateful for him and his team and would recommend them to anyone purchasing a home.
We've been using 1st Mortgages since the middle of 2012 and have always been astounded by their professionalism, honesty, patience, openness, and frankness. When we first bought our house, the lender we used came from our real estate agent at the time and it was an awful experience. We refinanced with 1st Mortgages in 2012 and realized what that experience SHOULD be like. These folks are super communicative, friendly, and best of all they always make you feel comfortable. I can't say the same about other lenders we had talked to. Since refinancing we've recommended them to all of our friends, family, and pretty much anyone who will listen! When it comes time for us to look into our next home purchase, we're absolutely going to work with 1st Mortgages without hesitation.
Working with Bryant on our 1st then later with Dave on our second was so enjoyable. The closing was smooth, and we learned a lot in the process. I would definitely recommend them for a mortgage.
Dave Olson was amazing to work with! They made my first home purchase a breeze. Seal of approval!!
The Arizona Team helped me get my first home and found the perfect program for me that I didn't even know about! The program allowed me to have a lower down payment and mortgage insurance rate than expected. They explained everything so thoroughly and made me feel extremely comfortable with my home buying experience, making sure I was informed at every step of the way. I would highly recommend The Arizona Team to anyone!
Best experience possible! I wouldn't do business with anyone else. Liane and her team were informative, professional and expedient with everything they did. This is the mortgage team you hope for! Thank you Liane, and thank you 1st Morgages!