Your Denver City Mortgage Lender
Friendly & knowledgeable professionals that make your home buying process a breeze.
"Eric and his staff always make the process seem easy! Efficient and excellent service every time! Eric has been our mortgage broker for years, and we appreciate all the great services he’s offered us. Thanks!"
- Ashley R.
What Do Homeowners Want?
- You want to invest in a home that’s perfect for you and your family for years to come
- You want a mortgage loan that fits your lifestyle but doesn’t cause you to go ‘house poor’
- You want loan service professionals with unmatched experience that make the process stress-free and easy to understand
- You want peace of mind knowing that you’ve considered all your financing options for a secure financial future
The Kulbe Team is ready to help you achieve all that and more.
What Is the Process for a Home Loan in
Denver?
- Complete your application. Tell us a little about yourself and your goals so we can get a head start on your loan process. Provide as much information as possible from the Needs Checklist to get your home loan moving along faster.
- Attend the appraisal. Learn the value of your home investment from our local team of professional appraisal partners.
- Submit documentation for underwriting. Get to the closing table faster by providing any remaining documentation. Such as…
- Pay Stubs
- W-2s
- Employment History
- Meet us at the closing table. Review your final loan documents and acknowledge the final terms of your home loan, called your Closing Disclosure.
- Enjoy your home for years to come. Congratulations, it’s time to celebrate your successfully funded home loan!
"The Kulbe team was super responsive throughout the refinance process and ran the numbers for several different scenarios to help us determine the best plan for our household. We appreciate the attentive nature of the team and appreciate the overall result of our refinance."
-Jeryl D.
Home Loans for Every Budget
Home loans make it possible for you to purchase the home of your dreams when cash is not an option. When looking for a home loan in the Denver
area, there are several loan options:
- Conventional Mortgage
- VA Home Loan
- Home Refinance
- Jumbo Mortgage
- Reverse Mortgage
- USDA Home Loan
- FHA Home Loan
Conventional Mortgage
Conventional mortgages are best for those with an established credit history and strong financial standing.
A conventional mortgage, also called a conventional loan, is available through private lenders. You can also obtain this loan from government-sponsored companies like Fannie Mae and Freddie Mac, though a conventional mortgage is not offered or secured by the government.
The benefits of a conventional mortgage are:
- No upfront mortgage insurance fee
- Down payments as low as 3%
- Flexible 30 yr, 15 yr, or 10 yr terms available
- Faster approval process compared to other loans
- Option to pay taxes and fees through a separate escrow account instead of adding to your monthly mortgage payment
VA Home Loan
VA home loans allow eligible veterans or active service members and their families to obtain a home loan with no money down.
The major benefits of a VA home loan are:
- No down payment requirements
- No mortgage insurance
- Government guaranteed lender protection in the event you cannot pay your mortgage
- Flexible mortgage rates
- Limited closing cost requirements
- The ability to transfer your VA loan to an eligible future homebuyer to sell faster
Unlike other mortgages, with VA home loans, bankruptcies and foreclosures won’t eliminate your chances of future homeownership.
Home Refinance
Refinancing your home is a great way to take advantage of lower interest rates if you plan to stay in your home for a while.
The major benefits of home refinancing are:
- Better interest rate
- Lower monthly payments
- Flexibility to use your equity for other purposes
- Shorter loan terms to pay your mortgage off faster
- Go from an adjustable-rate to a fixed-rate mortgage
Home refinancing can provide your family with some much-needed breathing room but comes with closing costs like a regular mortgage.
Jumbo Mortgage
Jumbo mortgage loans, also called non-conforming loans, are for properties that exceed the loan limit of most conventional mortgages. These loans make the most sense in areas where the properties routinely exceed $500K.
The major benefits of a jumbo mortgage are:
- Loan rates that surpass $548,250
- Often have lower interest rates than conventional loans
- Down payments as low as 5%-10%
- Available with adjustable and fixed-rate mortgages
Because of the high price tag, jumbo mortgage loans can be more restrictive than lower-limit loans.
Reverse Mortgage
A Reverse Mortgage allows seniors over the age of 62 to tap into their home’s equity line to increase retirement income options. As a retiree, it’s not uncommon for expenses to go up as income levels decrease.
That’s why more and more seniors are turning to reverse mortgages to live a more comfortable retirement.
Here are the major benefits of a reverse mortgage:
- Tax-free payments from home equity
- You retain the title to your home
- Lender pays you an advance on the equity of your home
- 3 flexible options: Single purpose, Proprietary, and Home Equity Conversion Mortgages (HECMs)
- Doesn’t affect Social Security or Medicare benefits
- For federally insured HECMs, you’ll never owe more than the home is worth
Some reverse mortgages can come with higher upfront costs than others. Schedule a call to determine if this option is right for you.
USDA Home Loan
A USDA or “Rural Development” home loans are designed to help potential homeowners find home loans outside of densely populated areas. USDA loans are government insured through the United States Department of Agriculture.
The major benefits of a USDA home loan are:
- No down payment
- Low interest rates
- Low monthly mortgage insurance fee
- Low fixed interest rates
- Streamlined refinancing options
- The opportunity to build a house with your loan
USDA loans are more forgiving than other loan types when it comes to poor credit or flawed credit history.
FHA Home Loan
An FHA loan is a mortgage that is insured by the Federal Housing Administration and issued by an FHA-approved lender.
The major benefits of an FHA home loan are:
- Down payments as low as 3.5%
- Lower credit score requirements
- Designed for low to moderate-income borrowers
- Higher debt-to-income ratio allowances
- Lower monthly mortgage insurance payments
FHA home loans are great for those just starting out but can have restrictive housing standards and come with a lifetime mortgage insurance expense.
What Type of Home Loan is Right for you?
As a potential homebuyer, you have several programs to choose from. Deciding which home loan is right for you will depend on several factors.
Take a look at your...
- Credit score
- Income level and type (active, passive, portfolio)
- Debt-to-income ratio
- Financial goals and more
Best Mortgage Lender in Denver Colorado
Eric Kulbe is the VP of Market Production for Synergy One Lending and the head of the Kulbe Team. Since 2001, he has been a leader and go-to resource in the residential mortgage lending industry. Eric’s broad expertise, personal client relationships, and ever-evolving business knowledge have to lead him to become one of the most reputable names in the industry.
The Kulbe team leaves a track record of success:
- Ranked ‘Top 200 Loan Officers’ by Mortgage Executive and Scotsman Guide magazines
- Achieved an incredible ranking of ‘5-Star Professional’ by 5280 from 2010-present
- Earned an astounding ‘#1 volume ranking’ for Colorado by Mortgage Executive magazine
- Multi-time President’s Club and Chairman’s Club recipients
They made everything super easy for us and at the lowest possible rate. This is my 3rd mortgage transaction with Eric and his team and it is always great! Definitely would recommend and completely satisfied!"
-Brent T.
Our Service Area
We serve all of Colorado and our central office is Greenwood Village. We proudly serve all Colorado cities including Aguilar, Akron, Alamosa, Alma, Antonito, Arriba, Arvada, Aspen, Ault, Aurora, Avon, Basalt, Bayfield, Bennett, Berthoud, Bethune, Black Hawk, Blanca, Blue River, Bonanza, Boone, Boulder, Bow Mar, Branson, Breckenridge, Brighton, Brookside, Broomfield, Brush, Buena Vista, Burlington, Calhan, Campo, Cañon City, Carbondale, Castle Pines, Castle Rock, Cedaredge, Centennial, Center, Central City, Cheraw, Cherry Hills Village, Cheyenne Wells, Coal Creek, Cokedale, Collbran, Colorado Springs, Columbine Valley, Commerce City, Cortez, Craig, Crawford, Creede, Crested Butte, Crestone, Cripple Creek, Crook, Crowley, Dacono, De Beque, Deer Trail, Del Norte, Delta, Denver, Dillon, Dinosaur, Dolores, Dove Creek, Durango, Eads, Eagle, Eaton, Eckley, Edgewater, Elizabeth, Empire, Englewood, Erie, Estes Park, Evans, Fairplay, Federal Heights, Firestone, Flagler, Fleming, Florence, Fort Collins, Fort Lupton, Fort Morgan, Fountain, Fowler, Foxfield, Fraser, Frederick, Frisco, Fruita, Garden City, Genoa, Georgetown, Gilcrest, Glendale, Glenwood Springs, Golden, Granada, Granby, Grand Junction, Grand Lake, Greeley, Green Mountain Falls, Greenwood Village, Grover, Gunnison, Gypsum, Hartman, Haswell, Haxtun, Hayden, Hillrose, Holly, Holyoke, Hooper, Hot Sulphur Springs, Hotchkiss, Hudson, Hugo, Idaho Springs, Ignacio, Iliff, Jamestown, Johnstown, Julesburg, Keenesburg, Kersey, Kim, Kiowa, Kit Carson, Kremmling, La Jara, La Junta, La Veta, Lafayette, Lake City, Lakeside, Lakewood, Lamar, Larkspur, Las Animas, LaSalle, Leadville, Limon, Littleton, Lochbuie, Log Lane Village, Lone Tree, Longmont, Louisville, Loveland, Lyons, Manassa, Mancos, Manitou Springs, Manzanola, Marble, Mead, Meeker, Merino, Milliken, Minturn, Moffat, Monte Vista, Montezuma, Montrose, Monument, Morrison, Mount Crested Butte, Mountain View, Mountain Village, Naturita, Nederland, New Castle, Northglenn, Norwood, Nucla, Nunn, Oak Creek, Olathe, Olney Springs, Ophir, Orchard City, Ordway, Otis, Ouray, Ovid, Pagosa Springs, Palisade, Palmer Lake, Paoli, Paonia, Parachute, Parker, Peetz, Pierce, Pitkin, Platteville, Poncha Springs, Pritchett, Pueblo, Ramah, Rangely, Raymer, Red Cliff, Rico, Ridgway, Rifle, Rockvale, Rocky Ford, Romeo, Rye, Saguache, Salida, San Luis, Sanford, Sawpit, Sedgwick, Seibert, Severance, Sheridan, Sheridan Lake, Silt, Silver Cliff, Silver Plume, Silverthorne, Silverton, Simla, Snowmass Village, South Fork, Springfield, Starkville, Steamboat Springs, Sterling, Stratton, Sugar City, Superior, Swink, Telluride, Thornton, Timnath, Trinidad, Two Buttes, Vail, Victor, Vilas, Vona, Walden, Walsenburg, Walsh, Ward, Wellington, Westcliffe, Westminster, Wheat Ridge, Wiggins, Wiley, Williamsburg, Windsor, Winter Park, Woodland Park, Wray, Yampa, Yuma
If you're looking to buy a new home or refinance an existing mortgage, contact us today at 720-892-0422.
