* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Start your homebuying journey in Centennial with a dedicated mortgage advisor who knows the ins and outs of the local market. For over 30 years, Sammamish Mortgage has been a trusted name in Centennial, assisting buyers in securing the right financing for their dream homes. Known for its top-rated schools, vibrant parks, and safe neighborhoods, Centennial is the perfect place to put down roots. Let us guide you every step of the way with personalized mortgage solutions designed just for you.
Centennial’s real estate market offers incredible opportunities, and understanding mortgage rate dynamics is crucial for securing a great deal. Rates in this area are affected by:
At Sammamish Mortgage, we’ll break down these factors to provide a clear, straightforward path to homeownership.
Securing a mortgage can feel overwhelming, but with Sammamish Mortgage, you’ll have a team that works for you. Our Loan Officers are dedicated to offering expert, unbiased advice that focuses entirely on your financial success. We’ve built our reputation by delivering exceptional service and ensuring clients make confident, informed decisions.
Whether you’re drawn to Centennial’s family-friendly suburbs, its spacious single-family homes, or low-maintenance townhomes, the city offers a diverse array of housing options. No matter your preference, our team has the expertise to match you with the right mortgage for your ideal home.
At Sammamish Mortgage, we recognize that no two homebuyers are the same. That’s why we offer an extensive range of loan programs, including options for first-time buyers, refinancers, and those looking to purchase larger homes. With our customized approach, we’ll help you find a mortgage solution that aligns with your unique needs and goals.
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, Centennial 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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