Service First Financial

read moreWe offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process. Feel free to browse our selection of payment calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

read moreWe hope you find the following links a useful resource for information. Market and industry conditions can change without notice, we will continue to update these links. Please contact us directly for the most accurate and available options for your personal situation.

read moreThe pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer. Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.

read moreThe following is a partial list of programs offered by Service First Financial, LLC with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 970-377-0753. Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3% down payment - and they can even finance "allowable" closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs.

read morePre-qualification starts the loan process. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for. In attempting to approve homebuyers for the type and amount of mortgage they want, mortgage companies look at two key factors. Ability to repay the mortgage is verified by your current employment and total income.

read moreWe offer competitive rates for our loan programs. Interests rates may be determined by a variety of factors including but not limited to; credit history, loan program, loan-to-value ratio, and occupancy. We believe in providing our clients with the most accurate and relevant interest rate quote which is tailored to your specific situation. Please contact us today to get started. Our Rate Tracker service will notify you of changes and opportunities within the interest rate market. We invite you to sign up today.