* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Located just south of Denver, Highlands Ranch is a vibrant master-planned community known for its excellent schools, abundant parks, and family-friendly neighborhoods. With miles of open space and easy access to major employers and entertainment, it’s no wonder that Highlands Ranch continues to be one of Colorado’s most desirable places to live. If you’re planning to make a move here, we’re ready to guide you through your financing options.
Mortgage rates can fluctuate based on a range of personal and market factors, including:
Nationwide and regional economic trends
Credit score and overall financial history
Type of loan and duration
Down payment amount
Fees, points, and closing costs
Our expert advisors help you navigate these factors to lock in a rate that works for your goals and your budget.
With over 30 years of experience and a reputation built on transparency and personalized service, Sammamish Mortgage is proud to serve Colorado homebuyers. We offer a digital-friendly process, quick pre-approvals, and expert support every step of the way.
The real estate market in Highlands Ranch features a mix of modern suburban homes, townhouses, and upscale properties. Whether you’re a first-time homebuyer or moving into a larger home to fit your growing family, you’ll find a variety of options in this well-established community.
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, Highlands Ranch 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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