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Colorado Home Loans

We're family owned and family focused.
Let us help with your Colorado home mortgage needs!

The easy choice for mortgages in Colorado

We’re proud to call Denver home, but are happy to help home buyers and homeowners all over the Centennial State. From Fort Collins to Boulder, down to Colorado Springs, even out west toward Grand Junction, we’re here to help.

If you’re a first-time home buyer in Colorado, you may be able to get into a home for as little as $1,000 down. Just ask about the Colorado Housing and Finance Authority (CHFA) home loan! Plus, there are further benefits to owning a home like tax deductions and building equity. Start your mortgage application now, and you can have a pre-approval letter in hand when you’re touring homes!

Already a homeowner? Then ask us about the mortgage refinance process. You'll see what makes American Financing one of the best mortgage lenders in Colorado.

Colorado mortgage rates and trends

2018 saw national mortgage rates on the rise due to the Federal Reserve (Fed) increasing the benchmark interest rate in June. This resulted in an increase in consumer borrowing costs to help keep the economy from overheating.

Colorado mortgage rates followed that trend, but are seeing a significant decrease in 2020. If you took out a new home loan or refinanced your mortgage in 2018 or 2019, it may be time to consider lowering your rate with a mortgage refinance. In fact, regardless of when you took out a mortgage, it's in your best interest to take advantage of a free mortgage review with a trustworthy lender. A lower rate could mean hundreds of dollars in monthly savings.

Keep in mind, many factors can impact mortgage rates, including debt-to-income ratio, credit scores, and more. To get the best rate, work with a lender who puts customers first. That way you know you’re getting a loan program that makes sense for your personal needs. Let us guide you home through one of our many customizable Colorado home mortgages, including FHA, VA, Conventional, USDA, CHFA, and more.

Down payment assistance

Colorado home buyers may qualify for down payment assistance. If you’re looking to purchase a Colorado home, let us help you understand what options and grants* are available to you.

Be sure to ask about:

  • CHFA

  • Chenoa

  • Dream Makers Grant

  • Forgivable and non-forgivable second mortgages

  • First-time home buyer incentives

  • Closing cost assistance

  • Tax credits

*Actual assistance amount may vary based on purchase city, credit score, and other financial requirements. Down payment assistance programs are at the city and/or state level, and they are not funded by American Financing. A homebuyer education course may need to be completed prior to applying.

Check with your mortgage consultant about funding today!

Refinancing your mortgage

  • Is your monthly mortgage payment or interest rate too high?

  • Do you have high-interest debt holding you back?

  • Do you want to be mortgage-free sooner?

If you answered yes to any of these questions, now is the time to schedule a free mortgage review with one of our Colorado mortgage consultants. Learn about the benefits of a home refinance, and you could be looking at up to $1,000 a month in savings. Plus, you don’t have to reset your loan term. You may even be able to shorten it!

Why American Financing?

We’re a national mortgage lender that’s dedicated to making homeownership affordable. Competitive mortgage rates and no upfront fees are just the beginning. Our dedicated mortgage consultants work hard to customize the right loan program for your financial goals. We're able to complete most of the lending process online, creating an even faster experience for you.

We try to make it memorable, too. After all, this is not just a transaction. We’re always available to answer any mortgage-related questions after closing. We can also help with refinancing to a better rate or to get cash out. So, here’s to the start of a lifelong relationship!

Let’s build your home loan together

Call (800) 910-4055 to connect with one of the best mortgage companies in Colorado. We’ll customize any loan in the industry while offering the best service, lowest rates, and fastest closings. Let us show you how simple the mortgage refinancing or new home purchase process can be!

American Financing is an Equal Housing Lender; NMLS #182334 www.NMLSConsumerAccess.org; Licensed in 50 states.

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