#1 Lakewood Mortgage Broker | Win The Bidding War | Nathan Mortgage

#1 Mortgage Broker in Lakewood CO | Win The Bidding War | Nathan Mortgage
Lakewood, CO

The best mortgage lending at the lowest cost.

Buying your dream home is one of the most important decisions you make in life.

You deserve unbiased advice from an expert to guide you through the process, answer your questions, and ensure approval for your loan. Because our loan offerings are not commission-driven, we can help find the best interest rates, lowest monthly payment, and solutions that will work for your financial consideration and home purchase.

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Lakewood, CO
The best mortgage lending at the lowest cost

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Best Rate
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Lakewood, CO

Lakewood is a suburb of Denver located approximately 17 miles southwest of downtown Denver, CO.

Lakewood has experienced significant growth over the past decade as more people move into this booming suburb. It is one of the largest suburbs in Colorado, with a rich cultural heritage. Lakewood offers its residents an urban lifestyle without having to live in the city.

Residents enjoy shopping at local malls like Belmar (“Downtown Lakewood”). Belmar is the main shopping and restaurant hub in the area. There are diverse neighborhood pockets with restaurants and pubs. Here are just a few Belmar restaurants:

  • Chuy’s TexMex
  • T-Street Bar and Grill
  • NEW! In N’ Out
  • Ted’s Montana Grill
  • Little India
  • Soooo many more!
Street map of Denver with red dots depicting homes for sale.
Lakewood Shopping Center

Lakewood Shopping

Belmar also has an outdoor mall with tons of shopping. Learn more about Belmar in our Neighborhood Series: Landmarks in Lakewood, CO

Colorado Mills Mall is on the Golden/Lakewood line, but it’s also a great place to find local shops and spend the day with your family. 

Lakewood Parks

Lakewood Outdoors

Lakewood has a broad range of stunning open spaces; ideal if you want to have a true Colorado day. William Frederick Hayden Park (Green Mountain) is a big draw for both residents considering a home purchase and visitors. It has well-groomed hiking and biking trails. Once at the top, you can see all of Denver. Take in both the landscape of mountains and the city from the top. Learn more about Green Mountain in our Neighborhood Series: Landmarks in Lakewood, CO

Bear Creek offers camping, hiking & horseback riding, a lake for swimming, and even a 25-acre off-leash dog park! Get the scoop on the best mountain biking trails in our Neighborhood Series: Top Five Mountain Bike Trails Near Lakewood, Colorado.

Lakewood is a popular place to look for real estate. 

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Lakewood Lender

Working With Us

  • Home Buying Process – In a market with low inventory, having a team of mortgage experts working alongside your real estate agent is key to beating out other offers. We provide solid pre-approval letters, fast closing times to appeal to sellers, and more. We provide mortgage lending for a hot market. LEARN MORE

  • Home Loans – There are a broad range of mortgage lending home loans available, including conventional Loans, FHA Loans, VA Loans, Jumbo loans, Nonconforming Loans, and USDA Loans. 

  • Navigate Every Step – At Nathan Mortgage, we provide you with options for your home financing. We take the time to understand your situation, present you with options, and create a range of home loan solutions. We make complex options easy to understand by talking you through everything from mortgage rates to the life of the loan.

  • Young couple in new home with moving boxes holding keys and taking a selfie.

    1st Time Home Buyer

    Selecting the right lending partner makes it much easier in the buying process, with advice and support from your own team of mortgage Lakewood experts. Getting a home in a hot market requires as much planning and financial consideration as possible. There are a range of home loans to choose from as well as home buying offers that will set you apart from competing bidders. We’ll help you navigate the home buying process so that you make an informed decision that is best for your unique needs, from initial application through closing on your new home! Check out our FAQs for related questions you may have if you are new to home buying.

  • Young couple in new home with moving boxes holding measuring stick and drinking from mugs.

    Purchases

    We take the time to understand you, your dreams, and your goals so that we can match you with the best possible loan at the lowest possible cost. We make sure that your offer is the most appealing with our experience, providing a full pre-approval backed by the Nathan Mortgage reputation: getting loans closed on time, every time. Landing a home in today’s market is about more than just the purchase price. Check out our Glossary to learn more about the mortgage loan process.

  • Mature couple consulting at desk with Lakewood Mortgage Lender for a refiannce.

    Refinances

    Rates today are at historic lows, and we can lower your payments. We can also consolidate debt or provide cash-out for a home repair project. You’ll pay less than you have to by refinancing your current loan with us!

    Find out if a Nathan Mortgage refinance could help you with your financing plans, such as:

    • Reducing your monthly mortgage payment
    • Move to a short-term loan and save thousands of dollars in interest over a longer loan term
    • Consolidate debts
    • Get cash out for a home renovation
  • Couple business owners posing in front of floral shop with matching aprons on.

    Self Employed Borrowers

    If you’re self-employed, getting a mortgage loan can be tough – but it is possible. With past experience as a mortgage underwriter, Nathan Beauchamp excels in organizing your finances in a way that exceeds most loan originators’ abilities. We have helped hundreds of self-employed individuals secure mortgage loans with excellent mortgage rates.

    FAQs

    Lakewood Mortgage Frequently Asked Questions

    Have questions about mortgage lending? Check out our most common questions here to help you on your journey to the best mortgage loan.

    Is now a good time to start the buying process for a new home or consider a purchase refinance?

    Mortgage rates are currently very low. In fact, they reached the all-time low in the spring of 2021, and while they’ve climbed a bit since then, we are still near the 40-year low point. Lower rates mean lower payments, which makes now an opportune time to purchase or refinance. At Nathan Mortgage, a trusted mortgage professional will take the time to answer your questions help you understand where rates are now, where they’ve been, and where they may head in the future. We are data-driven and want to make sure you have the information you need to make an educated decision.

    How much house can I afford?

    Use our simple Affordability Calculator to determine how much house you can comfortably afford. Check out our New Home Buyer Checklist for even more information on planning and financial aspects to help you find your dream home.

    How do I choose a mortgage lending lender?

    Working with a trusted lender is important to both make the home buying process smooth and fast. Look for compatibility and traits that you value, such as trust, communication, and credibility (Google is a great place to check for consistent 5-star reviews). Ask probing questions to ensure your lender is an expert home loan professional. This will ensure you are approved for the best home loan possible and the best mortgage rates possible, allowing you to focus on the excitement of buying your new home. At Nathan Mortgage, we want your loan to make sense and will take the time to ensure you have the confidence you need to move quickly in the challenging Denver market.

    What kind of credit score do I need to qualify for a home loan?

    The minimum credit score depends on the type of loan you are applying for. FHA loans, backed by HUD, require a minimum 580 mid fico score. VA Loans through the Veterans Administration can go well below 580 on a case-by-case basis. Conventional loans backed by Fannie or Freddie typically require a 620 minimum mid-fico score. Jumbo loans and loans not backed by a government agency usually have higher score requirements. The best way to learn what loan you need and what your score means in terms of your lending options is to call us and let us help you evaluate your individual loan options.

    How does Nathan Mortgage work with my real estate agent to help me buy a home?

    As your mortgage broker, we not only work to get you the best mortgage rates but also partner with your real estate agent to give you the strongest position possible when making an offer on your dream home. We call the listing agent and explain the benefits of your home loan and what makes your offer compelling. We put you in the best position possible to have your offer win over any others. We are known and well-liked by many agents in the Denver area, and when they see an offer supported by a pre-approval from Nathan Mortgage, that in and of itself increases your odds of having your offer accepted. We deliver on-time closings, and that is what listing agents care about – they don’t want to see their clients impacted by an incompetent lender. LEARN MORE

    How is an independent mortgage lender different from a big bank?

    When you go to a big bank for your mortgage lending needs, you get to choose only from the products, mortgage loans, and an interest rate that are offered and sold by that one bank. Big banks also carry a lot of overhead: large buildings, multiple layers of management, advertising budgets for TV commercials, celebrity endorsements, etc. They pass those costs on to their clients through what Nathan describes as “loan bloat.” You skip those costs when you go with independent mortgage loan originators like Nathan Mortgage. Why? Because Nathan Mortgage has access to over forty different end investors who compete to fund your loan. We have pricing that leads our industry and don’t need sports stars or fancy TV commercials to gain clients. We offer better loans at better interest rates and a better mortgage price. You’re effectively shopping 40+ banks with a single phone call by calling us. We will get you the best deal you qualify for every single time. LEARN MORE

    Do you provide personal loans, land loans, adjustable rate loans, or construction loans?

    We don’t provide personal loans, land loans, adjustable-rate mortgage loans, or construction loans. We provide conventional fixed-rate loans, FHA, VA, USDA, and Jumbo loans, and loans for self-employed borrowers.

    Can an adjustable rate mortgage help me buy more house now?

    An adjustable-rate mortgage can help you buy a house now as opposed to a fixed-rate loan as it provides a lower interest rate at the beginning of the loan. An adjustable-rate mortgage is designed with a variable or adjustable rate after an initial set term(s). The interest rate will adjust within a set range according to the set terms of the loan and may result in higher monthly costs in the future as opposed to a fixed-rate loan. 98% of the loans we originate are fixed-rate loans because we feel they better protect our clients.

    I’m ready to buy a home, but need to find a local real estate agent. When should I speak to a mortgage lender?

    When you want to buy a home, it’s never too early to speak with Nathan Mortgage. We will give you valuable information about your home loan that can help focus your search to the right range of home prices and help you be in the best position when making an offer on your dream home. Nathan Mortgage works with some of the best realtors around and can refer you to a realtor that can make a critical difference in your home search. When making one of the largest purchases of your life, it’s crucial to have a seasoned, skilled, and professional team on your side. We build long-lasting relationships with our preferred realtors, allowing us to work together without hiccups. That helps you close quickly, have more leverage with sellers, and communicates to potential sellers than you are equipped with a great team to help make the seller’s experience a good one.

    How does my down payment affect my monthly house payment?

    Your down payment can affect your monthly mortgage payment in a number of different ways. For instance, a larger down payment reduces the overall amount of your loan, lowering the amount of principal and interest you must pay each month, thus lowering your monthly mortgage cost. As well, if your down payment is 20% of the value of your new home, you can avoid paying Private Mortgage Insurance (PMI), which can also lower your monthly mortgage payment by hundreds of dollars. Finally, another way that your down payment can affect your monthly mortgage payment is how it affects your interest rate. When it comes to mortgage lending, a larger down payment is viewed as having more “skin in the game” and thus poses a lower risk of default, allowing for a lower rate mortgage. If you have a smaller down payment, the lender may view your loan as a higher risk and give you a higher rate mortgage in response.

    Glossary

    Home Appraisal Home Appraisal

    Home Appraisal

    An unbiased professional opinion of the value of a property and is used whenever a mortgage transaction or purchase/sale is involved. Bidding wars and appraisal gaps are becoming the norm in the Lakewood, CO market. The lender won’t approve the loan if the home appraises for lower than the agreed-upon sale price. A solution that will hold the deal together is recommended in this situation. Buying in a hot market will require as much planning as possible. Build an expert home buying team to land your dream home.

    Couple Comparing Adjustable Rate Vs. Fixed Rate Couple Comparing Adjustable Rate Vs. Fixed Rate

    Adjustable-Rate Vs. Fixed-Rate

    A fixed-rate and an adjustable-rate mortgage are different. For fixed rates, the interest rate is set when you take out the loan and does not change. With an adjustable-rate mortgage, the rate will adjust up or down. Click here to see rates today.

    Couple Viewing Monthly Mortgage Payment Couple Viewing Monthly Mortgage Payment

    Monthly Mortgage Payment

    When working with mortgage loan originators, you will receive a breakdown of what you can expect to pay for your monthly payment. This is based on how much you will page for P&I (principal and interest) + monthly taxes + monthly HOA + monthly insurance. Click here to try our mortgage calculator.

    5.0 66 reviews

    • Avatar Mark Leach ★★★★★ 5 months ago
      We are very happy with our new mortgage! The process was quick, efficient and relatively painless. Everyone we dealt with was really responsive and professional. You have a great team and we will definitely recommend you to anyone we … More know who is thinking of refinancing.
    • Avatar Hanh-Nhi Baik ★★★★★ 5 months ago
      We felt like we were in the best hands during a crazy housing market. We found Nathan Jennison when we quickly went under contract and realized we needed a more competitive interest rate at the last minute. In addition to helping us lock … More in a lower rate, we required a quick closing date which he was able to pull off successfully. Throughout the process, he provided exemplary customer service by being immensely communicative every step of the way providing immediate updates and answering all of our questions in a quick manner. He worked tirelessly to help us close quickly at the best rate with no hiccups. We will be using Nathan again for future deals and highly recommend him and his team!
    • Avatar dapo fadeyi ★★★★★ 7 months ago
      I can't thank Nathan and his team enough for their help with my refinance. Nathan and the team are knowledgeable, responsive, and went above and beyond to help get my refinance closed.
    • Avatar jack claridge ★★★★★ 9 months ago
      I Jack Claridge and Marive Dawkins are very happy to have Nathan and his staff help us with our very difficult mortgage . I think we put his whole staff to the test and they got us approved in time to close . So we will advise people that … More need financing to go to Nathan and his coworkers , they will go above and beyond to get it done !!!
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