If you’ve had some financial problems in the past, you may be concerned that you can’t get a bad credit mortgage. In Denver, we see customers all the time who are worried that the current credit crunch and real estate crisis will keep them from obtaining a mortgage.
We understand your concern, and we also understand that no matter what your situation, you have worked hard to overcome it. We know you may feel nervous applying for a mortgage with less than perfect credit. We appreciate that “bad credit” can feel like “bad person,” and we want to assure you that we don’t feel that way. We can help you get a bad credit mortgage in Denver, and we want to help you find the best loan for you.
Working with a mortgage banker is always a good idea when seeking a loan. When you’re seeking a bad credit mortgage, a Denver mortgage banker can make the difference between getting a great loan and not getting a loan at all—or worse, getting a loan that is not suited for you.
Why is a mortgage banker so important in obtaining a Denver bad credit mortgage loan? The main reason is that as mortgage bankers, we work with a variety of lenders. We have access to many loan programs, and can look at your entire situation---not only your previous credit, but also your current financial situation and your future prospects—and match you to the right loan.
We know the lenders offering bad credit mortgages in Denver, and we can easily match you with a lender who will offer you the terms that fit your situation. We also have a relationship with these lenders that makes it easier for us to place an application than it may be for you, approaching the bank on your own.
And why choose us, from all the Denver mortgage bankers? Quite simply, because we're competent and we care. We’re in business because of our customers, and we are very aware of that. We work with each individual customer to get the best loan for them. You’re not just a number to us, and we work very hard to help you get the loan you need. We have the expertise, the experience and the relationships with lenders to find you the right loan, and we also have the motivation and understanding of your personal situation to know how to find that loan.
"I called Emery Federal just to find out if the rate quoted by my bank was fair.
It turns out that Emery Federal offered a much lower rate/fees. My mortgage loan
closed on time and I saved over $5,000 with a lower interest rate. Emery Federal
was right there every step of the way."
-- Rob P., Denver, CO
3.500 |
30 Year Fixed (3.624 APR)* |
3.125 |
15 year Fixed (3.456 APR)* |
2.250 |
5 year ARM (2.988 APR)* |
Loans are originated under the Financial Services Division of Emery Federal Credit Union. Your Loan Officer or Mortgage Consultant is your main contact regarding your loan transaction. Please contact them during your loan process. If you need further assistance, please contact our help desk at: 800-880-3020 or help@EmeryFed.com. We look forward to serving you.
Originally chartered in 1939 to serve Emery Industries, in 1984 Emery FCU expanded our field of membership to include other diverse groups. Today Emery FCU serves the employees (and their family members) of over one hundred sixty four (164) companies.
Emery FCU is a not-for-profit, member-owned financial institution. Unlike banks, thrifts, and finance companies who operate on a "for profit" basis, we return excess earnings back to our members in the form of lower loan interest rates, higher yield savings and investment accounts, and low or no fee convenience services in addition to the friendly, unmatched member service provided. As a not-for profit financial cooperative, you have the assurance of knowing that your money is safe and secure because it is Federally Insured, through the National Credit Union Administration (NCUA).
* APR based on $200,000 loan amount. APR will change depending on loan amount.NMLS # 401087 © Denver Mortgage Rates.