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  1st Colorado Mortgage Solutions Mortgage Refinance

1st Colorado Mortgage Solutions Mortgage Refinance

in Mortgage Refinance from 1st Colorado Mortgage Solutions, Inc. · NMLS ID #394057

Unaffiliated

1st Colorado Mortgage Solutions Mortgage Refinance

Unaffiliated

in Mortgage Refinance from 1st Colorado Mortgage Solutions, Inc. · NMLS ID #394057

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Highlights
Loan Amount Up to $3,000,000
Loan Term (Years) 10 - 30 years

1st Colorado Mortgage Solutions Mortgage Refinance Review

1st Colorado Mortgage Solutions Mortgage Refinance is offered by 1st Colorado Mortgage Solutions, Inc. (NMLS #394057), a direct lender founded in 2008 and based in Longmont, CO. 1st Colorado Mortgage Solutions Mortgage Refinance is available in 1 state across the USA.

Key Takeaways
  • 5 different mortgage programs offered. 1st Colorado Mortgage Solutions Mortgage Refinance refinances FHA, FHA 203k, HARP, USDA, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. 1st Colorado Mortgage Solutions Mortgage Refinance offers hybrid mortgages and fixed-rate mortgages.
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for refinancing. However, 1st Colorado Mortgage Solutions Mortgage Refinance does offer refinancing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage refinance loan early.
1st Colorado Mortgage Solutions Mortgage Refinance Pros & Cons
Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 1 state.
1st Colorado Mortgage Solutions Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via 1st Colorado Mortgage Solutions Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. 1st Colorado Mortgage Solutions Mortgage Refinance offers mortgages refinancing with terms ranging from 10 to 30 years.

Does 1st Colorado Mortgage Solutions Mortgage Refinance charge a mortgage origination fee?

Yes, 1st Colorado Mortgage Solutions Mortgage Refinance will charge a loan origination fee.

What mortgage programs does 1st Colorado Mortgage Solutions Mortgage Refinance offer?

1st Colorado Mortgage Solutions Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • HARP: A mortgage refinance program for home loans owned or backed by Fannie Mae or Freddie Mac. No minimum credit score or value appraisal required.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does 1st Colorado Mortgage Solutions Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. 1st Colorado Mortgage Solutions Mortgage Refinance allows the following property usage types: 

  • Primary home
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Availability

  Available in 1 state
Colorado
Availabile in all of Colorado

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
Loan Term 10 - 30 years
Loan Amount Up to $3,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • FHA 203k
  • HARP
  • USDA
  • VA
Terms 5/1, 7/1, 10, 15, 20, 30 years

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