Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
First-Time Home Buyers
Buying your first home? We offer the guidance you need to get started.
Mortgage Walkthrough Guide
Get educated! Learn exactly what occurs in every step throughout the mortgage process.
Mortgage Calculator
How much can you afford? What does that monthly payment look like? Find out here.
Real Estate Agents
Are you a real estate agent? We'd love to talk about what it looks like to work with us!
Check out what your monthly payment could be by using our Mortgage Calculator…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Principal & Interest (P&I)
$
PMI
$
Taxes & HOA
$
Homeowners Insurance
$
Loan Totals:
Purchase Price$
Down Payment$
Total Loan Amount$
PMIThe PMI (Private Mortgage Insurance) is a mortgage lenders' protection in the event of a default. PMI is paid monthly as part of your mortgage payment to the lender. Once a borrower has paid the equivalent of the 20% down payment, PMI can be removed from the monthly mortgage payment.
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan.Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
Principal payments: $$240,000 (the amount borrowed)
Interest payments: $$297,554 (the cost of borrowing)
Carrie Bakunas & Scott Baade
Carrie NMLS #1658297 //Â Scott NMLS #345757
Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.
We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.
The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.
Carrie and the rest of the Colorado Lending Team were so wonderful! They had quick responses to all of our questions and made us feel at ease during the entire process. They were also able to lock us in on an incredibly low interest rate! I would definitely recommend their team for any home buying needs!
AmandaHomebuyer
“
Scott, Carrie, Kim and Christina were amazing!!! they made the entire loan process simple and very easy. The communication was excellent as well. I would highly recommend the Colorado Lending Team to anyone looking to purchase a home. Thank you again!!!
KelleyHomebuyer
“
Best mortgage company in the greater Colorado area! Very responsive, professional and helpful. Really went above and beyond to make sure we had a smooth process when buying our first home. Definitely recommend!
BradHomebuyer
“
Carrie and Scott found me a home loan with an amazingly low interest rate! They are very helpful and responsive. I recommend them to my family and friends because they are the best!
ZachHomebuyer
“
Colorado Lending Team is the BEST! They made our refi so quick and easy. Their team is friendly and knowledgeable. I would recommend them to anyone who is looking to save some money hassle free. Fantastic service!!
TriciaRefinance
“
Colorado Lending Team was so wonderful to us during our first-time home buying experience! They always responded quickly and were always there to help keep us informed and feeling comfortable with the whole process. No question was a stupid question to them! They made the whole process extremely easy and we felt very supported even during these crazy times! We would definitely recommend using Colorado Lending Team for whatever your needs may be!
MeganHomebuyer
“
I've worked with Dana on several properties now and always have a top notch experience. My financial situation was slightly more complicated than some and Dana and the Colorado Lending Team helped me get an incredible rate on a great home. They were super communicative and made the process seamless for me. Will definitely use them again for future purposes!
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Frequently Asked Questions
How to choose a lender for a mortgage?
Choosing a lender for a mortgage involves evaluating their loan options, interest rates, customer service, and overall reputation. Research and compare multiple lenders to find one that aligns with your financial needs and goals.
How to pick a lender for a mortgage?
Choosing a lender for a mortgage involves comparing interest rates, loan options, and customer service. Research multiple lenders, read reviews, and consider their responsiveness to ensure you select the best fit for your financial needs.
How to find mortgage lender?
Finding a mortgage lender involves researching various options, comparing rates and terms, and seeking recommendations from trusted sources. Utilize online tools, read reviews, and consult with local experts to identify the best fit for your needs.
How to choose a home mortgage lender?
Choosing a home mortgage lender involves evaluating their rates, fees, customer service, and loan options. Researching reviews and comparing multiple lenders will help you find the best fit for your financial needs and homebuying goals.
How to select a mortgage lender?
Selecting a mortgage lender involves evaluating their loan options, interest rates, customer service, and reputation. Research and compare multiple lenders to find the best fit for your financial needs and home buying goals.
How to choose a mortgage lender?
Choosing a mortgage lender involves evaluating their loan options, interest rates, customer service, and reputation. Researching reviews and comparing offers will help you find a lender that best meets your financial needs and simplifies the mortgage process.
How do I choose a mortgage lender?
Choosing a mortgage lender involves evaluating factors such as interest rates, loan options, customer service, and lender reputation. Researching and comparing multiple lenders can help you find the best fit for your financial needs.
How do you choose a mortgage lender?
Choosing a mortgage lender involves comparing interest rates, loan options, customer service, and fees. Researching online reviews and seeking recommendations can also help ensure you select a lender that meets your financial needs and provides a smooth mortgage process.
What factors should I consider when choosing a lender?
When choosing a lender, consider factors such as loan options, interest rates, fees, customer service, and the lender's reputation. These elements will help ensure you find a lender that best meets your mortgage needs.
How do I evaluate mortgage lender options?
Evaluating mortgage lender options involves comparing interest rates, loan terms, fees, and customer service. Research lenders' reputations, read reviews, and seek recommendations to ensure you choose a reliable partner for your mortgage needs.
What questions to ask a mortgage lender?
The questions to ask a mortgage lender include inquiries about interest rates, loan types, fees, the application process, and pre-approval requirements. Understanding these aspects helps you make informed decisions during your mortgage journey.
How to compare mortgage lenders effectively?
Comparing mortgage lenders effectively involves evaluating interest rates, fees, loan terms, and customer service. Gather quotes from multiple lenders, assess their offerings, and consider online reviews to make an informed decision that best suits your financial needs.
What documents are needed for mortgage applications?
The documents needed for mortgage applications typically include proof of income, tax returns, bank statements, credit history, and identification. These documents help lenders assess your financial situation and determine loan eligibility.
How to assess lender fees and rates?
Assessing lender fees and rates involves comparing the annual percentage rate (APR) and closing costs from multiple lenders. Review the loan estimate documents carefully to identify all fees, ensuring you understand each component before making a decision.
What is the role of a mortgage lender?
The role of a mortgage lender is to provide financing to homebuyers by evaluating their financial information, determining loan eligibility, and offering various mortgage products to facilitate the purchase of a home.
How to find the best mortgage rates?
Finding the best mortgage rates involves comparing offers from multiple lenders, checking your credit score, and considering loan terms. Utilize online tools and calculators to assess rates and ensure you understand all associated fees.
What are the benefits of local lenders?
The benefits of local lenders include personalized service, a deeper understanding of the local market, and quicker response times. They often provide tailored loan options that cater to the unique needs of borrowers in the community.
How to check lender reviews and ratings?
To check lender reviews and ratings, visit reputable financial websites, such as Zillow or Bankrate, where customers share their experiences. Additionally, look for ratings on the Better Business Bureau (BBB) to gauge lender reliability and customer satisfaction.
What is the mortgage pre-approval process?
The mortgage pre-approval process involves a lender evaluating your financial situation to determine how much you can borrow. This step provides you with a clear budget for your home search and strengthens your position when making offers.
How to understand lender terms and conditions?
Understanding lender terms and conditions involves carefully reviewing the loan agreement, focusing on key elements like interest rates, fees, and repayment terms. Take notes on any unclear sections and consult your lender for clarification to ensure you fully comprehend your obligations.
What should I know about lender reputation?
Understanding lender reputation is crucial when choosing a mortgage provider. A reputable lender typically has positive reviews, transparent practices, and a strong track record, ensuring a smoother and more trustworthy borrowing experience.
How to negotiate with a mortgage lender?
Negotiating with a mortgage lender involves researching loan options, understanding your financial position, and being prepared to discuss terms like interest rates and fees. Presenting competitive offers can strengthen your position for better deals.
What are common mistakes when choosing lenders?
Common mistakes when choosing lenders include failing to compare loan options, overlooking interest rates and fees, and not reading customer reviews. Additionally, many borrowers neglect to ask about the lender's responsiveness and support throughout the mortgage process.
How to identify trustworthy mortgage lenders?
Identifying trustworthy mortgage lenders involves researching their reputation, checking customer reviews, verifying licensing, and comparing loan offers. Look for transparent communication and a willingness to answer your questions throughout the mortgage process.
What is the difference between lenders and brokers?
The difference between lenders and brokers is that lenders provide the funds for loans directly to borrowers, while brokers act as intermediaries who help borrowers find the best loan options from various lenders.
How to find specialized mortgage lenders?
Finding specialized mortgage lenders involves researching local lenders who focus on specific loan types, checking online reviews, and utilizing mortgage comparison websites to evaluate options tailored to your unique financial situation and home-buying needs.
What are the advantages of online lenders?
The advantages of online lenders include greater convenience, faster application processes, and often lower fees compared to traditional banks. They provide easy access to a variety of loan options, making it simpler for borrowers to find suitable financing solutions.
How to choose a lender for refinancing?
Choosing a lender for refinancing involves comparing interest rates, fees, customer service, and loan options. Research multiple lenders, read reviews, and ask for recommendations to find the best fit for your financial needs.
What should I expect during the loan process?
The loan process involves several key steps, including application submission, documentation review, underwriting, and final approval. Expect communication from your lender throughout to ensure a smooth and efficient experience.
How to ensure lender transparency and communication?
Ensuring lender transparency and communication involves asking clear questions, requesting detailed loan estimates, and maintaining regular updates throughout the mortgage process. This proactive approach fosters trust and clarity in your lending experience.
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Frequently Asked Questions
How to choose a lender for a mortgage?
Choosing a lender for a mortgage involves evaluating their loan options, interest rates, customer service, and overall reputation. Research and compare multiple lenders to find one that aligns with your financial needs and goals.
How to pick a lender for a mortgage?
Choosing a lender for a mortgage involves comparing interest rates, loan options, and customer service. Research multiple lenders, read reviews, and consider their responsiveness to ensure you select the best fit for your financial needs.
How to find mortgage lender?
Finding a mortgage lender involves researching various options, comparing rates and terms, and seeking recommendations from trusted sources. Utilize online tools, read reviews, and consult with local experts to identify the best fit for your needs.
How to choose a home mortgage lender?
Choosing a home mortgage lender involves evaluating their rates, fees, customer service, and loan options. Researching reviews and comparing multiple lenders will help you find the best fit for your financial needs and homebuying goals.
How to select a mortgage lender?
Selecting a mortgage lender involves evaluating their loan options, interest rates, customer service, and reputation. Research and compare multiple lenders to find the best fit for your financial needs and home buying goals.
How to choose a mortgage lender?
Choosing a mortgage lender involves evaluating their loan options, interest rates, customer service, and reputation. Researching reviews and comparing offers will help you find a lender that best meets your financial needs and simplifies the mortgage process.
How do I choose a mortgage lender?
Choosing a mortgage lender involves evaluating factors such as interest rates, loan options, customer service, and lender reputation. Researching and comparing multiple lenders can help you find the best fit for your financial needs.
How do you choose a mortgage lender?
Choosing a mortgage lender involves comparing interest rates, loan options, customer service, and fees. Researching online reviews and seeking recommendations can also help ensure you select a lender that meets your financial needs and provides a smooth mortgage process.
What factors should I consider when choosing a lender?
When choosing a lender, consider factors such as loan options, interest rates, fees, customer service, and the lender's reputation. These elements will help ensure you find a lender that best meets your mortgage needs.
How do I evaluate mortgage lender options?
Evaluating mortgage lender options involves comparing interest rates, loan terms, fees, and customer service. Research lenders' reputations, read reviews, and seek recommendations to ensure you choose a reliable partner for your mortgage needs.
What questions to ask a mortgage lender?
The questions to ask a mortgage lender include inquiries about interest rates, loan types, fees, the application process, and pre-approval requirements. Understanding these aspects helps you make informed decisions during your mortgage journey.
How to compare mortgage lenders effectively?
Comparing mortgage lenders effectively involves evaluating interest rates, fees, loan terms, and customer service. Gather quotes from multiple lenders, assess their offerings, and consider online reviews to make an informed decision that best suits your financial needs.
What documents are needed for mortgage applications?
The documents needed for mortgage applications typically include proof of income, tax returns, bank statements, credit history, and identification. These documents help lenders assess your financial situation and determine loan eligibility.
How to assess lender fees and rates?
Assessing lender fees and rates involves comparing the annual percentage rate (APR) and closing costs from multiple lenders. Review the loan estimate documents carefully to identify all fees, ensuring you understand each component before making a decision.
What is the role of a mortgage lender?
The role of a mortgage lender is to provide financing to homebuyers by evaluating their financial information, determining loan eligibility, and offering various mortgage products to facilitate the purchase of a home.
How to find the best mortgage rates?
Finding the best mortgage rates involves comparing offers from multiple lenders, checking your credit score, and considering loan terms. Utilize online tools and calculators to assess rates and ensure you understand all associated fees.
What are the benefits of local lenders?
The benefits of local lenders include personalized service, a deeper understanding of the local market, and quicker response times. They often provide tailored loan options that cater to the unique needs of borrowers in the community.
How to check lender reviews and ratings?
To check lender reviews and ratings, visit reputable financial websites, such as Zillow or Bankrate, where customers share their experiences. Additionally, look for ratings on the Better Business Bureau (BBB) to gauge lender reliability and customer satisfaction.
What is the mortgage pre-approval process?
The mortgage pre-approval process involves a lender evaluating your financial situation to determine how much you can borrow. This step provides you with a clear budget for your home search and strengthens your position when making offers.
How to understand lender terms and conditions?
Understanding lender terms and conditions involves carefully reviewing the loan agreement, focusing on key elements like interest rates, fees, and repayment terms. Take notes on any unclear sections and consult your lender for clarification to ensure you fully comprehend your obligations.
What should I know about lender reputation?
Understanding lender reputation is crucial when choosing a mortgage provider. A reputable lender typically has positive reviews, transparent practices, and a strong track record, ensuring a smoother and more trustworthy borrowing experience.
How to negotiate with a mortgage lender?
Negotiating with a mortgage lender involves researching loan options, understanding your financial position, and being prepared to discuss terms like interest rates and fees. Presenting competitive offers can strengthen your position for better deals.
What are common mistakes when choosing lenders?
Common mistakes when choosing lenders include failing to compare loan options, overlooking interest rates and fees, and not reading customer reviews. Additionally, many borrowers neglect to ask about the lender's responsiveness and support throughout the mortgage process.
How to identify trustworthy mortgage lenders?
Identifying trustworthy mortgage lenders involves researching their reputation, checking customer reviews, verifying licensing, and comparing loan offers. Look for transparent communication and a willingness to answer your questions throughout the mortgage process.
What is the difference between lenders and brokers?
The difference between lenders and brokers is that lenders provide the funds for loans directly to borrowers, while brokers act as intermediaries who help borrowers find the best loan options from various lenders.
How to find specialized mortgage lenders?
Finding specialized mortgage lenders involves researching local lenders who focus on specific loan types, checking online reviews, and utilizing mortgage comparison websites to evaluate options tailored to your unique financial situation and home-buying needs.
What are the advantages of online lenders?
The advantages of online lenders include greater convenience, faster application processes, and often lower fees compared to traditional banks. They provide easy access to a variety of loan options, making it simpler for borrowers to find suitable financing solutions.
How to choose a lender for refinancing?
Choosing a lender for refinancing involves comparing interest rates, fees, customer service, and loan options. Research multiple lenders, read reviews, and ask for recommendations to find the best fit for your financial needs.
What should I expect during the loan process?
The loan process involves several key steps, including application submission, documentation review, underwriting, and final approval. Expect communication from your lender throughout to ensure a smooth and efficient experience.
How to ensure lender transparency and communication?
Ensuring lender transparency and communication involves asking clear questions, requesting detailed loan estimates, and maintaining regular updates throughout the mortgage process. This proactive approach fosters trust and clarity in your lending experience.
