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Jumbo Loans | FNMA | FHLMC | FHA | VA | USDA | Non-QM | Commercial

Finding a trustworthy & reputable Denver mortgage lender with great financing terms can be a time intensive process.  Real estate professionals want to make sure they’re taking care of their clients with interest rates & terms that work well for their needs.  There are many Colorado mortgage lenders, and most operate differently, but Dave Kevelighan brings over 20 years of experience to the table to help ensure the process goes smoothly.

Experienced Mortgage Broker in Denver

DaveKevelighan.com offers easy access to high quality Colorado mortgage programs and other financing information for current and potential real estate owners.  Having access to more than 100 lending resources, Dave can offer wholesale lending terms to meet the needs of borrower clients, whom of which always come first.  Having closed thousands of mortgage transactions in Colorado over the years, Dave will strive to ensure that his clients are completely satisfied with the products and services his lenders have to offer.

Wide Variety of Programs

As a wholesale Colorado mortgage broker, Dave can provide a wide variety of programs with some of the best interest rates for local Denver, CO borrowers looking to either purchase or refinance real estate.  Operations offices are located nationwide that offer full underwriting, closing, and funding capabilities.  Being a premier Colorado mortgage broker, Dave is able to offer Jumbo loan products and conventional/government mortgage loan programs at competitive interest rates, and unsurpassed customer service to meet and exceed his clients expectations.  Commercial and Reverse Mortgages are also offered.

Outstanding Customer Service

Mortgage lending can be complicated and confusing if a borrower is not familiar with the process.  That’s why working with Dave Kevelighan is a sound decision.  With over 20 years experience in the mortgage industry, Dave understands all of the steps involved with closing mortgage loan transactions, and has the ability to help his clients navigate through the process efficiently.  For honest service, support, and quality loan programs at superb interest rates…contact Dave via Facebook, LinkedInphone or email today!

Popular Mortgage Programs

Conventional / Conforming

  • Agency Fixed Rate & ARM’s – FNMA & FHLMC
  • Agency NO MI – FNMA & FHLMC
  • Agency High Balance* – FNMA & FHLMC
    *maximum loan amounts based on county limits established by the Agencies:  https://entp.hud.gov/idapp/html/hicostlook.cfm

Conventional loans are the most popular program available. The housing market has stabilized, and lenders are signalling they are opening up from the very strict guidelines of the recent past. Conventional lending is now being done with common-sense underwriting guidelines.

Jumbo

  • Purchases & R/T refi’s up to $1,500,000 @ 90% LTV/CLTV
  • Credit scores as low as 620 FICO’s
  • DTI’s allowed up to 43%
  • Loan amounts up to $10,000,000
  • Refinances allow up to $750,000 cash-out

Jumbo loans are becoming more common in Colorado because of increasing home prices. Technically speaking a Jumbo loan is a non-conforming loan. That is, the loan amounts are too high to fit into Fannie Mae, Freddie Mac, or Ginnie Mae loan specifications. This means that Jumbo lenders typically write their own portfolio guidelines to fit their own lending niche.

FHA

FHA recently dropped the monthly mortgage insurance premiums. This loan program is once again a great way to finance a purchase or refinance.

Everyone has heard of the FHA loan, but we’re not so sure that people really understand what it is all about. FHA is still the go-to program for borrowers with lower credit scores or little credit history.

FHA does not hit your interest rate for low credit scores the way Conventional loans do. A credit score below 680 on a conventional loan has overlays and price adjustments. At a certain point the FHA loan becomes a much better deal.  With FHA you can get a much lower interest rate and much better deal if you have a lower credit score. Generally speaking, if your credit score is between 580 and 660, an FHA loan may be the way to go.

VA

  • VA Standard Balance (100% LTV up to $484,300)
  • VA High Balance (90% LTV up to $1,500,000)
  • VA IRRRL’s – Standard & High Balance

VA loans have excellent terms up to higher LTV’s with NO MI, but are different than Conventional or FHA loans. The appraisal process is a little different, the documentation required is a little different, and the VA underwriters are looking at files on how the deal can benefit the veteran. Do not let someone steer you away from a VA loan if you are VA eligible. Because the VA loan has its own special characteristics, it requires a certain expertise and experience from your lender. I have the expertise, and look forward to speaking with you about your next VA loan.

USDA

  • No Down Payment needed (100% LTV)
  • Large acreage allowed
  • Rural areas only

Non-QM

  • Bank Statement Income Qualifying allowed
  • Recent Derogatory Credit Events allowed
  • Loan amounts up to $10,000,000

Renovation

  • FHA 203(k) – Standard & Limited
  • FNMA HomeStyle Renovation