"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.
The Kulbe Team is ready to help you achieve all that and more.
"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 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 Kit Carson
area, there are several loan options:
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:
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:
Unlike other mortgages, with VA home loans, bankruptcies and foreclosures won’t eliminate your chances of future homeownership.
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:
Home refinancing can provide your family with some much-needed breathing room but comes with closing costs like a regular 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:
Because of the high price tag, jumbo mortgage loans can be more restrictive than lower-limit loans.
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:
Some reverse mortgages can come with higher upfront costs than others. Schedule a call to determine if this option is right for you.
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:
USDA loans are more forgiving than other loan types when it comes to poor credit or flawed credit history.
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:
FHA home loans are great for those just starting out but can have restrictive housing standards and come with a lifetime mortgage insurance expense.
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...
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:
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.
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.