Finding the right home is your primary goal, but most buyers also need the right financing to make that purchase possible. We’ve worked with many mortgage brokers and lenders in the Denver area, and we help connect our clients with lenders who are a good fit for their needs, goals, and financial situation.
As always, we do not accept fees from lenders for referrals. Our only expectation is that the lenders we recommend provide our clients with excellent personal service and competitive loan options.
Contact The Kearns Team today and we’ll help match you with a lender who understands your needs.
The “normal” mortgage – Even if your finances are straightforward, that does not mean every lender or mortgage product is the same. Different lenders have different guidelines, communication styles, fee structures, and approval processes. We help buyers identify lenders who offer strong service and loan options that make sense for their situation.
The self-employed borrower – For business owners and self-employed buyers, qualifying for a mortgage often requires more documentation and more detailed financial review. Income verification can be more complex, and lender flexibility matters. We can help connect you with lenders who understand self-employed borrowers and know how to navigate those situations effectively.
Less-than-perfect credit – Not every buyer has perfect credit, and that does not automatically mean homeownership is out of reach. Credit scores are affected by many factors beyond late payments, including debt levels, utilization ratios, and credit mix. We know lenders who are often better equipped to work with buyers whose credit may need a little flexibility.
ARMs and when they may make sense – Most home buyers think first about fixed-rate mortgages, and for good reason. But in some situations, an adjustable-rate mortgage (ARM) may be worth considering. Buyers planning a shorter ownership period, or certain investors, may find that an ARM offers lower initial payments and better short-term flexibility. Whether that approach makes sense depends on your plans, timeline, and tolerance for future rate changes.
Financial disclosure and getting from contract to closing – Lenders today review financial information carefully. Be prepared to provide documentation related to income, assets, debts, employment, and other financial details. It is also wise to avoid opening new credit accounts or taking on new debt between contract and closing. Many lenders will re-check credit and financial status shortly before closing.
Watch the fees and ask questions – Mortgage costs can vary significantly, and lender fees are often one of the biggest closing cost categories in a transaction. Do not hesitate to ask what every fee means, why it is being charged, and how it is calculated. You are the customer, and it is entirely appropriate to understand exactly what you are paying for.
The right financing strategy can make a major difference in your overall home buying experience. We’re happy to help you understand your options and connect you with lenders who will treat you well throughout the process.