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    Welcome to Colorado Home Lending

    Browse around our site and you will find everything you need, including helpful information, calculators and more.
    Also, don't forget to use the form within the banner to see how much lower our rates are than the big banks.
  • Apply Now

      Short Application

       Use our Short Application to quickly see if you qualify and obtain a pre-approval letter.

      Full Application

       We suggest filling out this application only if your loan consultant has instructed you to do so. This application requires you to setup a user name and password for yourself.

      Download Application

       You can download the application material now and mail or fax it to us. This is a full application that can be printed as opposed to the online application that can be filled out on a browser.
  • Purchase
      Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Take this opportunity to learn more about home buying and the mortgage process.

  • Refinance
      Why pay more than you have to? Don't miss out on super low rates.
      Changing the terms of your loan can benefit you and maximize your monthly income

  • Tools & Info
    Use the form within the banner on the home page to see how much lower our rates are than the big banks. Then fill out our short application to see if you qualify and obtain a pre-approval letter. If you have any questions, just click Contact Us or call us at 855-353-1011.
  • About Us

    Who We Are

    Colorado Home Lending helps people get better rates than the big banks and offers better customer service during the process.

  • Contact Us
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Get a Rate Quote In Seconds
Including Closing Costs
Loan Amount:
Property Value:
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Purpose:
Residence Type:
Units:
Documentation:
Lock Period: 15 30 45 60
Credit:
 
Frequently Asked Questions
Here are some answers to some commonly asked questions. If you have any questions that aren't listed, contact us at 855-353-1011. You can email us at marco@calhomelending.com.

I can't afford 20% to put down on a house?
Do you offer Custom Loan programs?
Can I use some of my IRA or 401(k) plan for a down payment?
What's the difference between a fixed and adjustable rate mortgage?
Is a fixed or an adjustable rate mortgage better?
What is private mortgage insurance (PMI)?


I can't afford 20% to put down on a house?
It shouldn't be a problem. There are many programs available today that require less than 5% down payment. The best thing to do would be to call us and we can find the right program for you.

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Do you offer Custom Loan programs?
Yes, the different types of loan programs being offered are changing every day. We find the best loan scenario for all of our clients. Unlike big banks that are restricted to using loan programs and rates being offered at that time by the bank, we have access to many lenders. What we do is find the lender that best fits your needs. Call us today and let us show you what we can do for you.

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Can I use some of my IRA or 401(k) plan for a down payment?
Yes you can. However, the rules regarding this issue are constantly changing. Your best bet would be to contact your accountant. Your accountant can inform you of your best options in regards to this.

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What's the difference between a fixed and adjustable rate mortgage?
With a fixed rate mortgage, the interest rate and the amount you pay each month remain the same over the entire mortgage term, traditionally 15, 20 or 30 years. A number of variations are available, including five- and seven-year fixed rate loans with balloon payments at the end. With an adjustable rate mortgage (ARM), the interest rate fluctuates according to the indexes. Initial interest rates of ARMs are typically offered at a discounted ("teaser") interest rate lower than fixed rate mortgage. Over time, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down. Different ARMs are tied to different financial indexes, some of which fluctuate up or down more quickly than others. To avoid constant and drastic changes, ARMs typically regulate (cap) how much and how often the interest rate and/or payments can change in a year and over the life of the loan. A number of variations are available for adjustable rate mortgages, including hybrids that change from a fixed to an adjustable rate after a period of years.

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Is a fixed or an adjustable rate mortgage better?
It depends. Because interest rates and mortgage options change often, your choice of a fixed or adjustable rate mortgage should depend on: the interest rates and mortgage options available when you're buying a house your view of the future (generally, high inflation will mean ARM rates will go up and lower inflation that they will fall), and how willing you are to take a risk. When mortgage rates are low, a fixed rate mortgage is the best bet for most buyers. Over the next five, ten or thirty years, interest rates are more apt to go up than further down. Even if rates could go a little lower in the short run, an ARM's teaser rate will adjust up soon and you won't gain much. In the long run, ARMs are likely to go up, meaning most buyers will be best off to lock in a favorable fixed rate now and not take the risk of much higher rates later. Keep in mind that lenders not only lend money to purchase homes; they also lend money to refinance homes. If you take out a loan now, and several years from now interest rates have dropped, refinancing will probably make sense.

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What is private mortgage insurance (PMI)?
Private mortgage insurance (PMI) policies are designed to reimburse a mortgage lender up to a certain amount if you default on your loan. Most lenders require PMI on loans where the borrower makes a down payment of less than 20%. Premiums are usually paid monthly or can be financed. With the exception of some government and older loans, you may be able to drop the mortgage insurance once your equity in the house reaches 22% and you've made timely mortgage payments. The Servicing Lender will have the requirements for canceling the mortgage insurance.

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Testimonials
"Colorado Home Lending deserves to be recognized. I appreciate all that you have done for me during our refinance. Not only did my rate and monthly payment lower, I feel like I have a new friend in the neighborhood. I will be sure to recommend Colorado Home Lending to my co-workers and friends in the area."
Sara J. Fort Collins, CO
"Colorado Home Lending I must say is a very progressive mortgage company. You guys are spot on and I have really appreciated working with good real people. Thanks again for getting my loan done so quickly and saving me time and money."
Kimmy Denver, CO
"My greatest gratitude goes out to Colorado Home Lending. My pessimism was turned to optimism. Thank you for being clear on how you were going to save me more money with Colorado Home Lending vs. with the other companies I was researching for a refinance. I am very happy with my fees, rate and term and how you were able to get my loan done so fast. I will be sure to keep the positive outlook and tell all about you. Thanks again."
Dennis Castle Rock, CO