- BUY A HOME |
- REFINANCE |
- LOAN PRODUCTS |
- MORTGAGE GLOSSARY |
- CALL UNION CAPITAL AT 303.495.5655
Mortgage Loan Products
Union Capital Mortgage and Home Loans in Denver makes it easy to achieve your goal of buying or refinancing your Colorado home. We make applying for a home loan easy and simple. Just contact me, get started and apply online today!
Affordable Colorado Mortgage Programs
No Down Payment Denver Options
Less-Than-Perfection Credit Options
Colorado Interest-Only Programs
Colorado Secure Initiative FHA Foreclosure Rescue!!
Affordable Mortgage Programs
Dreaming about owning a home, but think you haven't earned enough, or you're
hesitating because you haven't saved enough for a down payment? Union Capital
Mortgage and home loan will find a great loan program for you, with an affordable
payment, and little money down. Many of our Affordable Mortgage Programs are
perfect for the first-time homebuyer and offer benefits, including:
- Lower rates to reduce your payments.
- Flexible underwriting that makes qualification easier.
- Low down payment requirement.
[ back to top ]
No Down Payment Options
Union Capital mortgage and home loan offers many loan programs that allow you
to purchase a home or investment property with little money down. (Normal
closing costs apply.)
- 100% Financing - We still have "no down" financing programs, including
the popular 1st and 2nd 80/20 program. With an 80/20 loan, 80% of your home
purchase is a first mortgage, and 20% is funded by a 2nd loan.
- VA Loans - 100% financing is available by the Veterans Administration,
for loans used for home purchases.
- FHA Loans - When using available grant money, 100% financing with
a FHA loan is achievable.
[ back to top ]
Fixed Rate Mortgage 30 year/ 20 year /15 year/ 10 year
fixed
Fixed rate loans are stable and conservative options if you plan on staying
in your home for more than 5 years and prefer the stability of a fixed interest
rate that won't rise. A Fixed Rate Mortgage is ideal for the peace of mind
in knowing that whether the interest rate environment is going up or coming
down, your mortgage rate is locked throughout the life of your home loan.
[ back to top ]
Adjustable Rate Mortgages (ARMS)
Adjustable Rate Mortgages (ARMs) could be the best choice if you plan to stay
in your home less than 5 years, or expect your income to increase in a few
years. Our Mortgage ARMs provide a lower start rate than a Fixed mortgage,
which may mean lower payments. After an initial period in years (adjustment
periods will vary depending on the program you select) the interest rate will
go up or down based on market conditions and Index selected.
[ back to top ]
Balloon Loan Program
These loans have the stability of Fixed mortgages for a time period (usually
5 or 7 Years) which is conditional on the balloon you choose. After the initial
fixed rate ends, the remaining balance of the mortgage is due and must be
paid in full. This is a good program if you will sell or Denver refi the home
before the balloon is due.
[ back to top ]
Bad Credit or Less-Than-Perfection Credit Options
Your credit history may not be great, but that shouldn't be a big obstacle
to your dream of owning a home, Union Capital Mortgage and Home loan of Denver
has multiple home loan programs, that include Affordable Mortgage Programs
or Government Loans, which may just get you the house your family deserves.
We serve your Denver, Colorado refinancing needs.
[ back to top ]
No-Doc/NINJA/Stated Income/NINA/ In Denver, CO
If you have excellent credit scores, you probably qualify for this mortgage
loan, which doesn't require income Verification or asset verification. Since
the mortgage meltdown, you will pay a much higher interest rate, and must
have excellent credit scores and significant reserves.
[ back to top ]
Jumbo Mortgages above $417,000
If you are ready to buy a Denver luxury home or build your own custom home,
Union Capital Jumbo Mortgages (mortgage amounts above $417,000) offer options
from virtually all major mortgage servicing.
[ back to top ]
Government FHA and VA Loan programs
Union Capital Mortgage can provide mortgages using FHA or VA mortgages that
will extend to 100% or lower (97%) down payments. Underwriting requirements
for these loans are more lenient than standard conventional mortgage programs
- contact Union Capital to see if you qualify for FHA or VA. These loans can be used
for home purchase, refinance and 203k home improvements. Many terms, and Fixed
or Adjustable Rates are also available.
[ back to top ]
Interest Only Programs
Union Capital Mortgage and Home Loans can offer programs that allows the flexibility
of interest only payments to keep your housing payment low and affordable.
With "interest only" programs, you afford a larger loan and more house!
[ back to top ]
Non-Conforming Loans and portfolio loans
Specialized mortgage needs require expert analysis. Union Capital has numerous
programs available for long-term needs. We can help you obtain construction
loans, bridge or mezzanine loans and property rehabilitation loans.
[ back to top ]
Non-Owner Occupied Residential 1-4 Loans
For investment properties, we can offer investor financing for investment
1-4 family homes with fixed and adjustable ARM rates.
[ back to top ]
Manufactured and Prefab Homes
Union Capital Mortgage and Home loans provides a few options for a mortgage
on your manufactured home purchase. Contact us for the options that suit your
needs.
[ back to top ]
Rehabilitation Loans for residential and commercial properties
Thinking about buying a home that is a fixer-upper or needs a face lift?
If so, Union Capital mortgage and home loans has a great loan program for you.
Our rehab fix and flip loan offers up to a 95% LTV (loan to value), 1 year
to improve your property and a 1 time only close. This is a fantastic way
to make your home the home of your family's dreams.
[ back to top ]
Reverse mortgages are an option for homeowners 62 years old and over to
secure a new source of funds to pay off existing home mortgage loans or other
debt. Also you may use a reverse mortgage in Denver to finance home repairs
and medical expenses. Denver Reverse mortgages allow homeowners to capitalize
on the value of their homes and these special loans do not require repayment
until the borrower(s) no longer use the home as their primary residence or
upon death.
For more information about reverse mortgages in Colorado, please call Union Capital
Taylor at (303) 495-5655
[ back to top ]
Refinancing Colorado
Refinance to lower your monthly payment or obtain cash from your equity. We
have a variety of attractive refinancing options. All the programs above can
be used to refinance your Denver Colorado Home.
[ back to top ]
FHA Secure Initiative for the mortgage meltdown/mortgage
crisis
Union Capital Mortgage and Home Loans is now offering the Colorado FHA Secure
Initiative to enable a homeowner to refinance many types of non-FHA Arms that
have recently reset and have payments that are no longer manageable. The true
intent of this initiative is to assist non-FHA borrowers who have been affected
by rate adjustments and a reduction of equity due to the housing crisis in
Denver. It is designed to allow homeowners to avoid a financial hardship after
the adjustment or reset of their ARM home loan. An ability to repay a mortgage
must be demonstrated to be eligible for eligibility to refinance into an FHA
mortgage. In many cases, a homeowner will be permitted to include missed mortgage
payments into the new FHA mortgage loan.
[ back to top ]
Ask Any Of My Clients
"I called Union Capital just to find out if the rate quoted by my bank was fair.
It turns out that Union Capital offered a much lower rate/fees. My mortgage loan
closed on time and I saved over $5,000 with a lower interest rate. Union Capital
was right there every step of the way."
-- Rob P., Denver, CO
Today's Rates
4.250 |
30 Year Fixed (4.374 APR)* |
3.750 |
15 year Fixed (3.921 APR)* |
3.375 |
5 year ARM (4.532 APR)* |