Home Mortgage Lenders Loveland CO

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Loveland and information on home mortgage rates, home loans, and mortgage calculators.

Home State Bank
(970) 461-2292
2695 W Eisenhower Blvd
Loveland, CO
 
American Lending Group Inc
(970) 593-0942
1841 Kinnikimik
Loveland, CO
 
Nexgen Lending Inc
(970) 292-3300
1419 W 29Th St
Loveland, CO
 
Countrywide Home Loans Inc
(970) 461-3442
1413 W 29Th St
Loveland, CO
 
Bank Of Colorado
(970) 674-9111
1609 E Harmony Rd
Fort Collins, CO
 
Advantage Bank
(970) 613-1982
1475 Denver Ave
Loveland, CO
 
First Magnus Financial Corp
(970) 461-8805
3780 Garfield Ave
Loveland, CO
 
Universal Lending Corporation
(970) 278-1668
2802 Madison Square Dr # 120
Loveland, CO
 
Mortgage Contract Services Inc
(970) 532-9896
543 3Rd Street
Berthoud, CO
 
Wallick And Volk Inc
(970) 232-3063
155 Boardwalk Dr Ste 300
Fort Collins, CO
 

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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Colorado Mortgage Licensing Body

Website: www.dora.state.co.us

Phone: (303) 894-2166

State: Colorado

Licensed By: Division of Real Estate

Additional Info: Attorney General's Office 303-866-4500 (2nds) Division of Real Estate 303- 894-2166 http://www.dora.state.co.us/real-estate/index.htm (CO LOs are licensed through the NMLS)http://www.coloradoattorneygeneral.gov/departments/consumer_protection/uccc_cab/ucccRegulated by the Colorado Division of Real Estate