Best Mortgage Brokers in Arvada

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Mortgage Brokers FAQs

Last updated: October 2, 2022

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Uptown Mortgage

Arvada, CO

Refinance
New Construction

Uptown Mortgage assists clients in Arvada who are planning to purchase new homes. It compiles, compares, and explains lender finance information, such as loan processes, down payments, and interest rates, to help clients make practical decisions. The company also offers refinancing solutions, which involve conducting prequalification to determine loan programs that fit clients' needs and backgrounds, including FHA, VA, and USDA. Uptown Mortgage has been catering to the community since 2000, providing personalized and timely services to clients by meeting customized expectations and deadlines.

American Capital Financial

1675 Broadway, Denver, CO 80202

New Construction

In business since 2004, American Capital Financial provides Arvada clients with an array of mortgage lending products. These products include conventional, FHA, USDA, and VA loans. Its staff also works to educate clients about the available lending products that fit their needs and circumstances. American Capital Financial has secured over 1800 loans and has served over 2000 clients. In addition, its senior staff has over 27 years of combined experience in the mortgage lending industry.

Bob The Banker

2480 West 26th Avenue, Denver, CO 80204

Refinance

Bob the Banker is a team of mortgage brokers that serves clients in Arvada and the neighboring areas. It provides home purchase loans, refinancing, fast funding, and property evaluation services. The company's loan options consist of 30-year or 15-year fixed and adjustable-rate mortgages. It also offers FHA, VA, and jumbo loans. Along with his team, owner Robert Friel has continued to deliver customized mortgage solutions to clients through Bob the Banker for around 15 years now.

EquiLane Lending, LLC

3190 South Wadsworth Boulevard, Lakewood, CO 80227

New Construction
Refinance

EquiLane Lending, LLC, is a company that offers its financial services to customers in the Arvada area. It was co-founded by Kelly M. Cito and Bob Turgeon. The pair have over 20 years of experience in the industry. The company specializes in mortgages and home financing options, such as conforming and conventional home loans. It offers a variety of loan options like home purchase, jumbo home, VA, FHA, and home refinance. It also assists clients in cash-out refinancing options.

Lockstep Mortgage

12412 York Street, Thornton, CO 80241

Refinance

Lockstep Mortgage is a team of loan brokers that can help Arvada clients with their plans for a home or property purchase. Its brokers also provide solutions for clients' refinancing applications. They guide clients by giving information and applicable tools for pre-approval letters, refinancing analyses, current mortgage rates, and available homes listed in the market. Lockstep Mortgage's team provides several loan options including FHA, VA, USDA, 203K, jumbo loans, and reverse mortgage. Its president, Dan Green, has been a loan officer for over 15 years.

MAC5 Mortgage Inc

15385 West 64th Lane, Arvada, CO 80007

New Construction
Refinance

MAC5 Mortgage, Inc., is a full-service mortgage company helping customers in the Arvada area finance their dream homes. The business offers different loan program options for residential properties, such as VA, USDA, jumbo, and FHA home loans. Its team is also dedicated to making its clients' home purchase or refinancing experience a quality one. Backed by 25 years of experience, its senior loan advisor, Troy Wallace, has access to loan programs from over 50 lenders.

North Point Financial Inc

1203 24th Street, Denver, CO 80205

New Construction

North Point Financial Inc. is a team of mortgage professionals serving Arvada. Its owner, Joel Gallegos, is a Realtor and loan officer that has been in the industry for over 14 years. Gallegos and his team help clients purchase or refinance their loans. They offer various loan options, such as VA, FHA, USDA, and jumbo loans, in addition to reverse and fixed-rate mortgages. Moreover, the company's website has various tools for clients, such as refinance analysis, payment calculator, and home value estimate.

Thrive Mortgage

4251 Kipling Street, Wheat Ridge, CO 80033

New Construction
Refinance
Reverse Mortgages
Purchase Transactions

Thrive Mortgage is a full-service mortgage company serving clients in Arvada. Its primary broker, Laura Leavy, is a residential mortgage loan originator providing personalized mortgage solutions. Leavy has been in the industry for over 30 years, providing several mortgage options, such as fixed and adjustable-rate and reverse. She also offers various loan options, including construction, jumbo, USDA, FHA, and VA loans. Moreover, Leavy received the Colorado Mortgage Broker of the Year Award in 2020 from the Colorado Association of Mortgage Professionals.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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