Hallmark Home Mortgage-Colorado - NMLS #53441

Zenith Home Loans offers a wide range of mortgage products to meet various needs, including conventional loans, FHA and VA loans, and specialized options like reverse mortgages and home equity lines of credit. We cater to first-time home buyers, those looking to refinance, and clients interested in investment properties or new construction. Our goal is to provide tailored solutions that fit your financial situation.

Refinancing with Zenith Home Loans involves several steps. First, you will need to assess your current mortgage and determine your refinancing goals, whether it's to lower your monthly payment, reduce your interest rate, or access equity. Next, our team will guide you through the application process, including gathering necessary documentation. Once your application is submitted, we will work diligently to close your loan on time and under budget, ensuring a smooth experience with no surprises.

A reverse mortgage is a financial product that allows homeowners aged 62 and older to convert part of their home equity into cash while still living in their home. This type of mortgage is suitable for retirees looking to supplement their income, cover healthcare costs, or fund other expenses without the need to sell their home. Zenith Home Loans provides expert guidance to help you understand the benefits and implications of a reverse mortgage.

Yes, Zenith Home Loans offers financing options for new construction homes, including two-time close construction loans. This type of loan allows you to secure financing for both the construction phase and the permanent mortgage once the home is completed. Our experienced team will assist you throughout the process, ensuring that you have the necessary funds at each stage of construction and that your loan closes on time.

Zenith Home Loans is committed to supporting first-time home buyers through every step of the mortgage process. We offer various loan options, including FHA loans, which require lower down payments and have more flexible credit requirements. Our knowledgeable loan officers will provide personalized guidance, helping you understand the application process, what to expect at closing, and how to manage your mortgage after purchase.

Financing an investment property typically involves different requirements than a primary residence. Zenith Home Loans offers specialized loan products for investment properties, including conventional loans and FHA options. It's essential to consider factors such as down payment requirements, interest rates, and potential rental income when applying. Our team will help you navigate these considerations to find the best financing solution for your investment goals.