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In Addition to these standard loan programs we offer a large number of specialized loans to fit your needs.
Denver Mortgage Options
Save Thousands With The Right Denver Mortgage Option
VA Mortgage - Reverse Mortgage - FHA Loan
In the past Denver mortgage options were limited to 30 year fixed mortgages with 20% down. Today there are many different loan programs to choose from along with options to put less than 20% down on the purchase of your home.
There are several factors to determine which program is best for you, however based on how long you plan to stay in your home and your risk tolerance, there are opportunities that can save you hundreds of dollars on your monthly payments.
Expected Time in Home
- Not Very Long (1-3 Years)
- A few years (3-5 Years)
- At least 5 years (5-7 years)
- Around 10 years ( 7-10 years)
- A long time (10 plus years)
Our Recommendation
- 3/1 ARM, 1 year ARM or 6 month ARM
- 5/1 ARM
- 7/1 ARM
- 10/1 ARM, 30 yr fixed or 15 yr fixed
- 30 year fixed or 15 year fixed
Loan Programs
Advantages
- Monthly payments won't change
- Interest rate Fixed
- Protected if rates go up
- Can refinance if rates go down
- Higher interest rate
- Higher mortgage payments
- Rate does not drop if interest rates improve
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Adjustable Rate Mortgages(ARMS)
- Lower initial monthly payment
- Lower payment over a shorter period of time
- Rates and payments may go down if rates improve
- May qualify for higher loan amounts
- More risk
- Payments may change over time
- Potential for high payments if rates go up
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Construction Loans
- Whether you currently own the land or intend to purchase and build
- Risk of rates being higher at the end of the initial fixed period
- Risk of foreclosure if you cannot make balloon payment or if you cannot refinance or if you cannot exercise the conversion option
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First Time Buyer Programs
- Lower down payment
- Easier to qualify
- Sometimes you may get lower rate
- May be subject to income and property value limitations
- Some programs which have government subsidies may have a recapture tax if you sell the house too early.
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Stated Income Programs
- Don't need to verify income
- Faster approval
- Higher rates
- Higher down payment
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No point, No fee Programs
- No closing costs.
- Less money required to close.
- Higher rates.
- Higher payments.
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Imperfect Credit Programs
- Potential for reestablishing credit if you pay your mortgage on time.
- When used for debt consolidation, you may be able to reduce your monthly debt payment
- Higher rates
- Terms may not be as favorable
- Harder to get long term fixed loans
- Loans may have prepayment penalties
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Devin Harper
20:47 17 Jan 20
Hunter Lending is a great group to work with for home financing! They are super responsive, are willing and able to walk through various scenarios when trying to figure out the best way to proceed with a re-finance, and they really look out for the best rates & deals for their customers. I'd recommend them to anyone looking for help with buying or investing in their home.read more
Corrie Pierce
14:34 04 Dec 18
We purchased our new home in late July 2018 and as I look back at the experience I am grateful that I had the opportunity to work with Ryan and Jim. Ryan is knowledgable with extensive experience and helps to guide you through the entire loan process. Working with Jim was also a great experience - super responsive, detail-oriented and prompt! With this team, a fairly large and stressful process was seamless and efficient and I would highly recommend them to anyone!read more
amy clarke
20:05 14 Sep 18
We have worked with Ryan and Jim at Hunter lending now two times. Both times they have gone above and beyond to make sure we are happy and that we are in the best loan for our situation. They know the market very well, and will graciously help explain (sometimes multiple times) what can be sometimes confusing aspects of the mortgage process. Highly recommend.read more
Dennis Lanphier
20:19 12 Sep 18
It was the best experience I’ve had in purchasing a home. I provided the required documentation, and they did all the work. I received a great interest rate with affordable payments.read more
Miguel Robbins
10:27 21 May 18
If you're looking for a mortgage broker who is creative/able to think outside the box when necessary, can deliver results quickly, and is always responsive and available, go with Mike Koran and his team at Hunter Lending Mortgage! Mike eases the workload of the borrower by taking responsibility for following up with his clients every step of the way until the transaction is complete. I've used Mike on two different loans and wouldn't ever use anyone else.read more
Solongo Munkhsukh
04:55 20 Jan 18
Hunter Lending is awesome. Thank you Adam and your team for making our very first home purchase easy. Everything went smooth, they were with us on every step and answered all our questions very detailed. I appreciate all your hard work. We didn’t know buying a house would be this easy. Best wishes to whole Hunter Lending team :)read more
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