Why work with a Broker?

Simple.  It's all we do. So, we do it better.

When looking for a mortgage you’ll find that some companies love to tout their low prices as a sign that they're the best in the business. But when you take a closer look, added fees, long delays, and other problems can end up costing you a lot more. 

Did you know the same is true for your mortgage? 

You can take a chance on the big banks or retail loan companies, or, you can choose a local, independent mortgage broker, like us. Some of the benefits of working with a broker:

• They have access to lower wholesale rates that banks and retail lenders can't match.

• They shop hundreds of options to match you with just the right one. 

• And they get you to the closing table in 20 days or less. 

It is important to ask yourself the question, is a broker right for you?

Do you want lower rates and more affordable costs?

Do you want multiple loan product options to fit your needs?

Do you want to work with a state and NMLS licensed expert?

Do you want your loan to close faster?

Here’s some helpful mortgage knowledge to help guide you when taking your first steps to owning a home.

DO NOT let these common buyer’s myths mislead you.

“I need a 20% down payment”.

This goes back to the days when lenders had far fewer options. Now, you can get a mortgage for as little as 1% down and still have a low monthly payment.

“I have to dig up a lot of paperwork.”

A lot goes into qualifying you for a mortgage, but these days much of the verification process — like collecting pay stubs, bank statements and tax information — can be done automatically by your mortgage broker and lender.

“It will take a lot of time.”

A good mortgage broker can take your application and give you a pre-approval letter in minutes.

“My bank is the best place to get a mortgage.”

Banks just don’t offer many mortgage choices. An independent mortgage broker in Denver can help you find the best options and lowest rates.

“I need to be “settled down” first.”

Even with a low down payment, monthly mortgage payments are often lower than rent prices. Plus when you buy a home, you’re paying yourself, not your landlord.

UNIFIED MORTGAGE CORPORATION

We Make Mortgages Easy

No cost first-time homebuyer education available online for Fannie Mae and Freddie Mac.

When a borrower decides to purchase their first home via the Fannie Mae HomeReady® or Freddie Mac Home Possible® programs, they will often be required to complete a basic home-buyers education course. These self-paced courses are designed to help borrowers more fully understand the financial responsibilities involved in owning a home.