Residential mortgage lender specializing in various government programs such as FHA loans, VA military loans, USDA rural housing and HECM reverse mortgages. We are a Denver company doing business only in the State of Colorado. NMLS#290393 Refinance: Colorado homeowners are currently benefiting from a huge increase in property values. For many years just like most other States in the US, Colorado saw a huge decline in home values. Well, now with this recent appreciation and low interest rates, homeowners can now take advantage of a variety of loan options. 1) Cash out refinance - Pull equity out of your home to consolidate debt, do home repairs or just get cash back at closing. 2) Remove mortgage insurance - If you currently have an FHA loan or CHFA loan, you may now be eligible to remove that mortgage insurance by refinancing into a conventional loan. We can remove mortgage insurance with as little as 5% equity. By reducing your interest rate and removing mortgage insurance, you may be surprised at how much you can actually save per month! 3) CHFA homeowners - Get out of your CHFA loan and remove your mortgage insurance, payoff your 2nd mortgage and save hundreds of dollars per month! 4) FHA streamline - FHA has recently reduced the monthly mortgage insurance premiums. You may now be able to streamline your loan and reduce your rate and mortgage insurance at the same time. No qualifying or appraisal required. 5) Other benefits of refinancing - Lower your term such as going from a 30 year to a 15 year loan. You can also skip