Mortgage

At Elevations, we know Colorado mortgages.

Whether you want to buy a house or build one, refinance your mortgage or invest in real estate, we'll partner with you every step of the way. We'll help you outline actionable financial steps to reach your homebuying goals, decide on the type of home you want and how much you can afford, determine the best down payment option and select a home loan.

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Mortgage benefits with Elevations:

  • Fast and easy online mortgage application

  • Down payment options as low as 3%

  • Weekly updates on your mortgage to keep you in the know

  • In-house team of local underwriters, processors and closers for a faster process

  • Deep knowledge of Colorado markets and strong relationships with local Realtors® and title companies

  • Variety of loan options including loans with fixed rates and adjustable rates (ARMs), jumbo loans, Federal Housing Administration (FHA) loans and Veterans Affairs (VA) loans

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Mortgage tools designed for Colorado homebuyers:

CIA Mortgage Loan Approval

Strengthen your offer in a competitive market.

Let our underwriters arm you with the ability to make a strong offer in the competitive Colorado market. Our unique Credit, Income, Asset (CIA) mortgage loan approval allows you to present a solid approval that's based on our underwriter's verification of your credit, income and assets when negotiating a purchase contract.

Down Payment Options

Down payments fit for you.

With a number of down payment options, your homeownership dreams might be more achievable than you think. There are alternatives to a 20% down payment—in fact, your down payment can start at just 3%. We'll help you explore the possibilities.

No Closing Cost Option

Lighten your load by removing closing costs.

Consider our no closing cost option if you want to save cash for the down payment or a remodel, or if you want to refinance to lower your rate without a large expense. Available for conforming loans, Elevations will pay all non-recurring closing costs like lender fees and title fees, while the borrower pays a slightly higher interest rate.

Combination Loans (80/10/10)

Sidestep private mortgage insurance.

By combining a mortgage and a home equity loan or line of credit (often called a second mortgage), you may be able to buy a home without putting 20% down or paying for Private Mortgage Insurance (PMI). These combination loans are available for up to 90% of your home’s value with conforming and jumbo loan options.

Let's talk mortgage loans:

Payment example: $300,000 loan amount at 5.00% APR for 30 years would be $1,611 per month. This amount does not include taxes, insurance or mortgage insurance premiums which, if applicable, will result in a greater payment obligation.

Ready to get pre-approved? It's fast and easy to apply online.

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Meet Our Team

We're here to answer all your mortgage questions.

When you're talking mortgage loans — also known as “a big deal” — you want to talk to a real, live human being. A local one is even better. Our experienced, award-winning team of mortgage lenders is here and happy to serve you. Because when it comes to Colorado mortgages, sharing our knowledge with you is one of our favorite parts of the job.

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MORTGAGE CALCULATOR

Estimate your monthly mortgage payments.

Use our mortgage calculator to help get a better picture of what to expect with a new mortgage. You can estimate what your monthly payments might be and the total amount you will eventually pay for the property.

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Mortgage Seminars

Join us to learn more about homebuying.

We proudly offer seminars along the Front Range every month that are free and open to the public. Topics include buying your first home, home appraisals, investment properties and more. We are committed to answering your questions, addressing concerns and empowering you all along the way.

Commonly asked questions

More ways we can help you

Home Equity

Use your home's value to renovate, fund education or even refinance debt.

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FINANCIAL PLANNING

Save for retirement, pay for college — and everything in between.

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Energy Loans

Go green with financing for solar energy and energy-efficiency upgrades.

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