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Lakewood Mortgage Lenders

Few purchases in life compare to the enthusiasm for a house, and even fewer purchases require as much financial thinking and planning. Home buying has become easier and more enjoyable thanks to reputable and independent Lakewood mortgage providers. Where you take your business matters, learn more about the process and what Nathan Mortgage in Lakewood provides in this article.

How Do I Apply for a Home Loan Online?

Eligibility to obtain a mortgage from a lender varies from person to person. Every borrower has a unique financial picture and home buying goals.

An experienced Lakewood mortgage broker tailors the process to your needs. Your loan officer will assist you — helping you navigate all the steps to get into your dream home.

Home Shopping Made Easier

Independent mortgage lenders, such as Nathan Mortgage in Lakewood, CO, provide better rates, more loan options, and access to down payment assistance programs. You get more from a broker and the best value for money.

Can I Afford a Mortgage Payment?

If you are paying rent, you can likely manage to pay your mortgage. Essentially you are already paying a mortgage; it’s just someone else’s mortgage payments!

Talk With a Home Loan Consultant

The easiest way to determine affordability is to contact a loan officer and get a free consult. They will review your income, debts, work history, savings, gift money, and more. Mortgage lenders determine how much you can qualify for and what you can afford for your monthly payment.

Consumer Tip:Medical debt collections are not considered in the Debt-to-Income ratio calculations. And they are not considered when underwriting an FHA loan.

Getting Pre-Approved

In this step, you will fill out an application online and upload documents. The application has easy questions such as years at current address and employment or income history.

Submitting Documents

As part of the application process, you will give your loan officer information for verification. You will upload a variety of documents, including:

  • Identification
  • Pay stubs
  • W-2s (2 years of work)
  • If self-employed: Profit and loss statements
  • Gift letters, if applicable
  • Debt information – credit cards, auto payments, etc.

Credit Requirements

Your credit score affects how much you can borrow, interest rate, loan type, and terms of the loan. FHA loans only require a credit score of 580 or higher. Nathan Mortgage in Lakewood also offers simple credit repair solutions. Don’t hesitate to contact the Lakewood branch or go online to get started.

Next Step, Pre-Approval Letter

The letter communicates to sellers you are a ready, qualified buyer and can likely close on the home. A well-written letter from a well-known mortgage team goes a long way when competing against other buyers.

Who owns Lakewood Mortgage Lender: Nathan Mortgage?

Lakewood mortgage lender, Nathan Mortgage LLC, was founded by Nathan Beauchamp. The business has grown to include a large team. Some of the team is located in Lakewood, CO, with some in Burr Ridge, IL.

Lakewood Mortgage Locations

You can start by applying online, contacting us by phone, or scheduling an appointment to meet at the Lakewood, CO branch. Another branch is located in Burr Ridge, IL but serves all of Colorado, Florida, Illinois, Tennesse, and Texas with the online application.

About Nathan Mortgage

Nathan Mortgage delivers an alternative to traditional banking. Loan offerings are not commission-driven, and customers enjoy unbiased advice. Nathan Beauchamp has two decades of experience in Lakewood mortgage loan servicing and is committed to the local community.

What Our Community Says

Nathan Mortgage in Lakewood is rated 5-stars by customers and has helped 700+ customers get into their dream home. Our reviews speak for themselves. Join many others in Lakewood, choosing to save time and get the absolute best help.

Need a Lakewood Mortgage? Get Started

Finding the right Lakewood mortgage lender can save you thousands of dollars over the life of the loan. Find a lender who takes the time to walk you through each step of the process so you can start building home equity.

You can change your rate in the future by refinancing. Refinancing can also help you get cash out for home renovations. Contact Lakewood mortgage lender Nathan Mortgage today.