About Peak Home Mortgage (PHM)

Peak Home Mortgage was created with a commitment to offer the best in service and mortgage solutions for Colorado home buyers. As a Full Service Mortgage Broker, we use the lending power of hundreds of different loan programs offered through dozens of different lenders at the wholesale level. By obtaining rates for you at the wholesale level, we are able to compete for your business with some of the largest lenders and command the best rates and lowest costs in the industry. We offer a level of personal assistance, customer satisfaction, and aggressive product offerings like no other provider. Our highly trained staff, product knowledge, commitment to the job at hand, and dedication, are the key elements to giving the customer the highest levels of satisfaction and service. Our vision for the company is to streamline and simplify the loan process, and enhance the customer's experience. With Neil’s experience in corporations and with MAC5 Mortgage backing us up we are able to provide first class service that ensures absolute success for the client. We also know that the very best compliment in our industry is to earn a Peak Home Mortgage referral from someone you know. Simply stated, we focus on absolutely truthful and knowledgeable interactions with our clients to create something that is very difficult to find in this industry; the confidence and comfort level that your mortgage broker is actually looking out for your best interests through the entire lending process. We are here for you! The mortgage loan and refinance loan process can be a bit confusing if you don’t have someone looking out for your best interest. Peak Home Mortgage, a Colorado licensed loan broker, will guide you through the bumps. We’ll be sure that you get the best rate of available mortgages for your needs, best home loan terms and service possible. We have nearly 40 specialized finance sources providing our Colorado home loan customers with the best programs at our fingertips. The very worst thing that could happen is that you get a home loan that is painful to keep up with. Worse yet, during the mortgage loan or refinance loan application process, you still not knowing if you are doing the right thing. From the very beginning we will slow things down and make sure everything “feels right” before you move forward. Because of our vast number of financial investors, we can usually offer multiple options that can settle your concerns regarding who is right for you and give you confidence you are doing the right thing for yourself and family. When we have answered your questions and you feel good about your new mortgage solution we will begin the application and approval process. We can help you with a new home mortgage, Refinance mortgages, Reverse mortgage and many other options! Conventional loans – See others here Conventional loans are the most common loan in the market today. Conventional loans work best when you have more than 10% equity or down payment, and you have higher credit scores. Conventional loans can also be used for a greater variety of property types and loan purposes. If you have less than 20% equity, you are required to have mortgage insurance, however, depending on the loan-to-value and your credit scores, the mortgage insurance can be very inexpensive. If you have at least 20% equity or are making a 20% down payment, then Conventional loans are hard to beat!  Minimum 5% equity or down payment (3% in limited cases)  Any loan amount (over $417,000, would be considered a Jumbo loan)  640 minimum credit score  Mortgage insurance required for loan-to-value over 80%  Limited gift funds allowed on purchase  30 year, 20 year, 15 year terms (other terms available)  Both fixed rate and adjustable rate programs  No prepayment penalties Peak Home Mortgage offers a variety of mortgage products to meet your needs, including competitive fixed and adjustable loan rates. Our goal is to provide you with the mortgage loan that suits you best. Call us today at 303-526-9620 to discuss what type of loan is best for you. We are a full-service mortgage broker with experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending. Our staff is dedicated to finding you the best loan product at the best rate and helping you navigate the ever-changing mortgage industry! See all Types of loans here We can help you with new home mortgages, Refinance mortgage, Reverse mortgage and many other options! Anywhere in Colorado With our high tech home loan application capabilities we can handle your mortgage needs by phone and on-line. No longer does the borrower have to go through face-to-face meetings and extensive time intensive loan process of applications. Peak Home Mortgage will take your loan on-line while we are on the phone and we are happy to allow you to see the application as it is being filled out, right on your computer. From the very beginning of the home mortgage process you can rest assured that the steps from application through closing will be done professionally and accurately within the guidelines of Colorado State home loan, mortgage loan and refinance loan mortgage law. With nearly 40 lenders, our ability to provide you with the best rate and service is greatly enhanced over single source mortgage companies. Call us now to get more information or get started with your application. NMLS ID: 1008665 Colorado License LMB100044763 Regulated by the Division of Real Estate

Neil Frame Neil has lived and worked in Colorado for over 20 years and helped people with their financial needs as well as serve the community as a Captain with Genesee Fire rescue.

Rate APR 30 Yr Fixed Rate 4.020% 4.107% 5 Yr ARM 3.000% 3.316% 15 Year Fixed 3.125% 3.391%

Rates Based Good Credit on 6/18/14

Rate Terms and Conditions