Pre-qualify for a Mortgage Loan
with Peak Lending Team LLC Today!
a Preferred Mortgage Lender for
Anthony Rael, RE/MAX Alliance - Denver Real Estate Agents
|
Tenby J. Dahman
Peak Lending Team LLC
303.478.9126
tenby@coloradomortgageplanner.com
NMLS# 262046
|
I’ve been helping families with their mortgages since
1999 and have only ever worked through referrals. So, that has been very
rewarding and of course is always my goal in the process, to earn them
from you eventually. I pride myself on two things:
-
First, I communicate a ton throughout the process of
buying a home and am with you from start to finish making sure you’re
always clear on what stage we’re in, how things work, and how you can best
prepare.
-
Second, I’m kind of a numbers geek, so happy to run
numbers in as many ways as you’d like as often as you’d like, while
ensuring you continue to do things well outside your mortgage too
(retirement savings, reserves, etc.). I can give you ideas that you may
not think of beyond the basics and can work with your CPA and/or Financial
Planner to ensure we look at the very best financial set up for you all
things considered. I can offer referrals to those professionals to
complete that circle is you need them as well.
We are a direct lender, which means we can sell
directly to the bigger banks or directly to Fannie Mae, Freddie Mac, and
Ginnie Mae. This means that we can work without restrictions of other bank
overlays creating fewer needed items and a smoother process. We do
everything ‘in house’; processing, underwriting, and closing. The end
funds come from us, so we have complete control the whole time.
I do the rate shopping for you among the different banks and programs. Per
the Regulation Z, 12 C.F.R. § 226 of the S.A.F.E Act that went into effect
April 4th, 2011; This reform basically now requires ALL Loan Officers
(regardless of the institution; Banks, Bankers, Brokers etc), who
originate mortgages, to earn the same commission percentage and charge the
same to every borrower. It was implemented to make sure that predatory
lending ends and greedy loan officers who were charging borrowers
extremely high rates with high profits will now have to offer the exact
the same to each and every client.
So, from day one you know that any quote that I provide you on any given
day is the best I have to offer on that day based on the loans set up
we’ve done for you. We can’t, by law, add in anything additional, so you
get a straight forward quote every time. The only changes to price for any
product are 100% market driven. Rates are lockable as soon as you have a
fully signed contract.
Contact Tenby Dahman
at (303) 478-9126 to get
pre-approved for a loan.
There is absolutely no charge or obligation and is a vital
first step in preparing to purchase a property.
|
Mortgage Loan
Programs |
Loan Program |
Features |
Recommended
For |
Conventional Fixed Rate
Mortgage |
|
-
Borrowers who prefer
regular payments with no surprises
-
People with limited or
fixed incomes
-
People who plan to stay in
their homes a long time
-
People who are refinancing
at a time when interest rates are comparatively low
|
FHA Loan |
-
Low down payment
requirements
-
Flexible income, debt, and
credit requirements
-
Down payment and closing
costs may be funded by a gift or grant
|
-
First-time and repeat
homebuyers
-
Homebuyers with limited
funds for down payment
-
Homebuyers with less than
perfect credit
-
Homebuyers who need a
non-occupant, co-borrower
|
VA Loan
|
-
No down payment required
-
Flexible income, debt, and
credit requirements
-
Down payment and closing
costs may be funded by a gift or grant
|
-
Eligible military service
members (may include veterans, reservists, active-duty
members)3
-
Eligible homebuyers with
limited funds for down payment
-
Eligible homebuyers with
less-than-perfect credit
|
Lender-Paid
Mortgage Insurance Option |
|
|
Jumbo Loans |
-
Mortgage amounts in excess
of the conforming loan limit1 set by Fannie Mae
and Freddie Mac
-
Also known as
nonconforming loans
-
Typically carry higher
interest rates
|
|
Adjustable-Rate
Mortgage |
-
Interest rate that is
fixed for an initial period, then adjusts periodically based
on market conditions
-
Lower initial rate than
with a fixed-rate mortgage
-
A variety of fixed-period
options
|
|
FHA Streamline
Refinance |
-
Reduced documentation
requirements
-
Less processing time than
a full FHA refinance
-
No appraisal in some cases
-
Closing costs may be
financed
|
Current FHA
mortgage holders who want to:
|
VA Interest Rate
Reduction Refinance Loan (IRRRL) |
-
Reduced documentation
requirements
-
Less processing time than
a full VA refinance
-
No appraisal in some cases
-
Closing costs may be
financed
|
Current VA
mortgage holders who want to:
|
Home Buyer's Guide |
Home Seller's
Guide
Buy a Home |
Find Your Dream
Home |
Pre-Qualifying for a Mortgage |
Home Mortgage Loans
Homesnap App |
First-Time Homebuyers |
Relocation to Denver Colorado |
Living in
Denver
Reliable Contractors |
Honest Advice |
Community Resources |
Active & Sold Listings
Selling Your Home |
Property Values |
Denver Real Estate Reports |
American Lifestyle
Colorado Realtor Reviews |
Meet Anthony Rael
|
'Just Call Ants'
|
Home
/
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NEW HOME CONSTRUCTION /
RELOCATION /
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INVESTMENT PROPERTIES /
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Anthony Rael |
REMAX
Alliance - DTC |
6465 Greenwood Plaza Blvd #280 |
Greenwood Village, CO 80111 | 303.520.3179
Licensed Colorado Real Estate Agent
| Certified Negotiation Expert (CNE) | Seniors
Real Estate Specialist (SRES)
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