* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Begin your homebuying journey in Boulder with a trusted partner who knows the local market inside and out. For over 30 years, Sammamish Mortgage has been the go-to advisor for Boulder residents, offering seamless support throughout the mortgage process. With its vibrant neighborhoods, stunning mountain views, and renowned outdoor lifestyle, Boulder is a one-of-a-kind place to call home. We’re here to help you achieve your goals with personalized mortgage solutions designed just for you.
Navigating Boulder’s real estate market requires an understanding of the factors that influence mortgage rates. These include:
Our expert team will guide you through these variables to secure the greatest mortgage rate for your situation.
The right mortgage solution isn’t just about finding a good rate—it’s about having a reliable partner who puts your financial needs first. At Sammamish Mortgage, our Loan Officers focus on offering unbiased advice tailored to your unique goals, ensuring every step of your journey is smooth and stress-free.
Boulder’s real estate options cater to a wide array of preferences. From sleek, modern condos in the city to spacious homes with scenic backdrops, Boulder offers a housing market as diverse as its residents. Whatever your dream home looks like, we’ll help you find the perfect financing option to match.
Whether you’re buying your first home, moving into a larger property, or refinancing to secure a better rate, Sammamish Mortgage offers customized loan programs for every buyer. With a wide range of options, including FHA, VA, and conventional loans, we have the expertise to meet the unique needs of Boulder residents.
To get a great mortgage rate, you need an honest, reputable mortgage lender. Look for mortgage lenders that are Experience Loan Officers. This will help you get the right loan for your situation and not one bigger than you can really afford.
When it comes to real estate, Boulder borrowers have access to many different types of home mortgage options.
Getting a 30-year fixed-rate loan usually means paying more in interest over the life of the loan, but gives Colorado homebuyers a low monthly mortgage payment.
If you are a veteran, an active duty service member, or the surviving spouse of a military vet, a VA loan often requires no down payment or a very low down payment.
Low-income and first-time homebuyers can count on an FHA loan to give them flexibility when it comes to their credit score or down payment.
If you live in a very expensive part of the country, don’t give up hope. Jumbo loans can help you if the price of your dream home is a bit over the conventional loan limits.
A mortgage in Colorado is a home loan that allows you to purchase or refinance property while using the property as collateral.
On average, closing takes about 30 to 45 days, though some lenders can close faster.
Yes, most lenders include property taxes and homeowner’s insurance in your monthly payment.
Mortgage rates vary daily based on the economy and your financial profile, but Colorado rates generally align with national averages.
Yes, veterans and active-duty military can use VA loans with no down payment and no mortgage insurance.
Yes, USDA loans are available in designated rural areas of Colorado for low- to moderate-income buyers.
To get pre-approved, you’ll need to submit income, asset, debt, and credit information to a lender for review.
Generally speaking, you need pay stubs, tax returns, bank statements, photo ID, and information about your assets and debts.
While not required by lenders, home inspections are highly recommended to protect buyers from hidden issues.
Yes, private mortgage insurance (PMI) is required if you put less than 20% down on a conventional loan. It’s also needed with FHA loans, regardless of the down payment amount.
Yes, lenders may charge origination fees, underwriting fees, and other costs that vary by institution. That said, some lender fees are much lower than others. Sammamish Mortgage, for instance, only charges $1 lender fees.
Yes, homeowners can borrow against home equity through cash-out refinancing, subject to lender approval.
Sammamish Mortgage makes an ideal choice for Colorado borrowers for several reasons, including $1 lender fees, competitive rates, in-house underwriting, and hundreds of positive client testimonials.
Whether you’re buying a home or ready to refinance, our professionals can help.
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