Native Denver Area Real Estate Agent & Relocation Specialist RE/MAX Alliance Arvada - Anthony Rael, Denver Realtor


Pre-qualify for a Mortgage Loan with Caliber Funding Today!
a Preferred Mortgage Lender for Anthony Rael, RE/MAX Alliance - Denver Realtor


David Thomas
NMLS #657633

Caliber Funding, LLC
10901 W. 120th Avenue Suite 300
Broomfield, CO 80021
Office:  (720) 439-3313
Mobile:  (303) 995-7025
E-mail:  david.thomas@caliberfunding.com

Get a Mortgage Pre-Approval Today from David Thomas
 

I'm a local, experienced and professional mortgage specialist!  He is dedicated to providing you with top customer service and assistance in finding an option that meets your home buying or refinancing needs. We offer financing programs may help you buy your very own piece of the American Dream for you and your family. In addition, we provide: Prompt communication; Dedication to meeting your home financing needs; High commitment to customer service; Competitive rates and fees; Responsive and professional service. Even after your loan settlement, our service still continues.

Contact David Thomas at (720) 439-3313 to get pre-approved for a loan. There is absolutely no charge or obligation and is a vital first step in preparing to purchase a property.

 

Mortgage Loan Programs

Loan Program

Features

Recommended For

Conventional Fixed Rate Mortgage

  • Monthly principal and interest (P&I) payments that stay fixed for the entire life of the loan

  • Protection from rising interest rates

  • Borrowers who prefer regular payments with no surprises

  • People with limited or fixed incomes

  • People who plan to stay in their homes a long time

  • People who are refinancing at a time when interest rates are comparatively low

FHA Loan

  • Low down payment requirements

  • Flexible income, debt, and credit requirements

  • Down payment and closing costs may be funded by a gift or grant

  • First-time and repeat homebuyers

  • Homebuyers with limited funds for down payment

  • Homebuyers with less than perfect credit

  • Homebuyers who need a non-occupant, co-borrower

VA Loan

  • No down payment required

  • Flexible income, debt, and credit requirements

  • Down payment and closing costs may be funded by a gift or grant

  • Eligible military service members (may include veterans, reservists, active-duty members)3

  • Eligible homebuyers with limited funds for down payment

  • Eligible homebuyers with less-than-perfect credit

Lender-Paid Mortgage Insurance Option

  • Bypasses mortgage insurance costs when your loan-to-value ratio is more than 80%

  • Money that would have gone to mortgage insurance goes instead to tax-deductible interest payments2

  • Homebuyers without enough cash for a 20% down payment

  • Homeowners who plan to move or refinance within ten years

Jumbo Loans

  • Mortgage amounts in excess of the conforming loan limit1 set by Fannie Mae and Freddie Mac

  • Also known as nonconforming loans

  • Typically carry higher interest rates

  • Homeowners who need to refinance a property with a higher appraised value and can handle larger monthly payments

Adjustable-Rate Mortgage

  • Interest rate that is fixed for an initial period, then adjusts periodically based on market conditions

  • Lower initial rate than with a fixed-rate mortgage

  • A variety of fixed-period options

  • People looking for lower monthly payments in the short term

  • People who plan to move or refinance again within a few years

FHA Streamline Refinance

  • Reduced documentation requirements

  • Less processing time than a full FHA refinance

  • No appraisal in some cases

  • Closing costs may be financed

Current FHA mortgage holders who want to:

  • Reduce monthly payments by refinancing to a lower interest rate

  • Refinance as quickly and conveniently as possible

VA Interest Rate Reduction Refinance Loan (IRRRL)

  • Reduced documentation requirements

  • Less processing time than a full VA refinance

  • No appraisal in some cases

  • Closing costs may be financed

Current VA mortgage holders who want to:

  • Reduce monthly payments by refinancing to a lower interest rate

  • Refinance as quickly and conveniently as possible

Once you are pre-approved for your home mortgage loan, call Anthony Rael at 303.520.3179 and we'll sit down to start the exciting home-hunting process!  I look forward to hearing from you soon.



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Anthony Rael  |  REMAX Alliance - Arvada  |  5440 Ward Rd., #110  |  Arvada, Colorado 80002  |  303.520.3179
Colorado Association of REALTORS Media Spokesperson for the Denver Region Quarterly Real Estate Market Updates
Denver Metro Association of REALTORS - Chairman of the Denver Metro Area Market Trends Committee

Denver Metro Association of REALTORS National Association of REALTORS Colorado Association of REALTORS
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