Business Details
24 Years
experience
Your Trusted Mortgage Partner in Longmont, CO
At 1st Colorado Mortgage Solutions, we are dedicated to guiding clients through the home loan process with clarity and confidence. Our mission is to empower clients to achieve their financial goals by providing tailored mortgage solutions. With over two decades of experience, our team of experts specializes in simplifying the often-complex mortgage landscape, ensuring clients understand their options and select the best loan for their unique circumstances. We pride ourselves on building lifelong relationships, offering ongoing support even after loan closure.Our core values of honesty, integrity, and competence drive every decision, as we assist clients in navigating roadblocks and realizing their homeownership dreams. Backed by a network of lenders and a deep understanding of industry standards, we deliver transparent, fair, and straightforward service. Our commitment to excellence has earned us a reputation as a trusted partner in the mortgage industry, serving clients across Colorado and beyond.
Services
Conventional Loans
Jumbo Loans
VA Loans
FHA Loans
Reverse Mortgages
USDA Loans
Details
- Year established: 2002
Highlights and features
- We offer over 20 years of mortgage expertise in Colorado's housing market.
- Our transparent loan process ensures no hidden fees or surprises.
- Personalized service tailored to your unique financial situation and goals.
- Access to a wide network of lenders for competitive rates and terms.
- Dedicated support from application through closing and beyond.
What people say
Trustworthy, personable, and kind
Extremely intelligent and detail-oriented
Kept us informed every step
Helped secure ideal loan terms
Professional and responsive team
Services
Conventional Loans
Conventional loans offer flexible terms from 10 to 30 years with fixed or adjustable rates. These loans suit borrowers with good credit and stable income, allowing down payments as low as 3%. Private mortgage insurance is required for loans exceeding 80% loan-to-value ratios. Our team helps clients navigate options to find the best fit for their financial goals.
Jumbo Loans
Jumbo loans cater to high-value properties exceeding standard conforming limits. Available with fixed or adjustable rates, these loans require higher down payments and strong credit profiles. We assist clients in securing competitive rates for luxury homes or high-cost areas, ensuring tailored financing solutions for unique needs.
VA Loans
VA loans provide 100% financing for eligible veterans and service members with no mortgage insurance required. These loans feature favorable terms, including lower interest rates and flexible credit requirements. Our specialists guide veterans through the process, ensuring they maximize benefits while meeting eligibility criteria set by the Department of Veterans Affairs.
FHA Loans
FHA loans require as little as 3.5% down with lenient credit standards, ideal for first-time buyers or those with imperfect credit. These loans include upfront and annual mortgage insurance premiums. Our experts help clients understand FHA guidelines and access affordable financing options for primary residences.
USDA Loans
USDA loans offer zero-down financing for properties in eligible rural areas. These loans target low-to-moderate-income borrowers, featuring competitive rates and minimal mortgage insurance. We verify property eligibility and assist clients in meeting income limits to achieve homeownership in qualifying regions.
People
Ann Morton
Loan Officer
Ann Morton brings decades of mortgage expertise to 1st Colorado Mortgage Solutions, specializing in guiding first-time homebuyers through the loan process with personalized attention and clarity.
David Bartels
Mortgage Consultant
David Bartels has over 10 years of experience helping Colorado families with home purchases and refinances, known for his deep knowledge of mortgage intricacies and client-focused approach.
Questions
What types of mortgage loans do you offer?
We offer conventional, jumbo, VA, FHA, reverse mortgage, and USDA loans to suit various financial situations and homeownership goals.
Can I get pre-approved for a mortgage online?
Yes, we provide online pre-approval options that take about 10 minutes to complete, helping you understand your borrowing capacity.
Do you offer mortgage refinancing options?
Yes, we specialize in refinancing solutions, including rate reductions and cash-out options, to help you save money or access equity.
Are there down payment assistance programs available?
We offer programs like HomeReady and Home Possible, allowing low down payments and flexible funding sources for qualified borrowers.
How does the VA loan process work for veterans?
VA loans require a Certificate of Eligibility and offer 100% financing with no mortgage insurance, tailored to veterans' needs.
What is the Keys on Time program?
Our Keys on Time program guarantees earnest money and provides full loan approval within 24 days, making your offer competitive in fast markets.
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