The Best Mortgage Lenders in Lewis, CO
Compare verified mortgage lenders serving Lewis, Colorado. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Lewis
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is highly regarded for its exceptional customer service and competitive mortgage rates, with a strong presence in Colorado. They offer a wide array of loan products and are praised for their personalized, efficient process. With decades of experience and numerous positive reviews, they consistently help homebuyers in rural areas like Lewis navigate financing smoothly.
Loan Types:
New American Funding
New American Funding
New American Funding is known for its diverse loan options and commitment to community lending, serving clients across Colorado including Lewis. They excel in handling complex loan scenarios and provide responsive support, backed by high customer satisfaction ratings. Their focus on inclusivity and technology-driven solutions makes them a top choice for many homebuyers.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage stands out for its fast loan processing and user-friendly online tools, offering reliable service to Colorado residents in areas like Lewis. They are highly rated for transparency and competitive rates, with a mission to simplify the mortgage journey. Their strong regional presence and dedication to customer care make them a trusted lender.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Lewis, CO
What are the current mortgage rates like in Lewis, CO compared to the state average?
Mortgage rates in Lewis typically align with Colorado state averages, but rural locations like Lewis can sometimes see slightly higher rates due to smaller lender competition and unique property types. As of recent trends, expect rates to be competitive but shop around with both local credit unions and national lenders for the best terms on your Lewis property.
Are there any special loan programs for buying a home in rural Lewis, CO?
Yes, Lewis qualifies for USDA loans, which offer 100% financing with no down payment—ideal for this rural area. Additionally, Colorado Housing and Finance Authority (CHFA) programs are accessible to Lewis homebuyers, providing down payment assistance and favorable terms for eligible borrowers purchasing in this community.
How does the appraisal process work for unique properties in Lewis, like land with a well or off-grid homes?
Appraisals in Lewis can be more complex due to rural features like wells, septic systems, and limited comparable sales. Lenders often require appraisers familiar with rural Montezuma County properties to properly value these unique aspects. Be prepared for potential additional inspections and a longer timeline to complete the mortgage process.
What should I know about property taxes and insurance when getting a mortgage in Lewis?
Lewis homeowners typically pay Montezuma County property taxes, which are generally lower than urban Colorado areas but vary by property value. For insurance, you'll need specific coverage for rural risks like wildfire (common in the region) and possibly well/septic system coverage, which can affect your overall monthly mortgage payment calculation.
Are there any local first-time homebuyer programs specifically for Lewis residents?
While Lewis itself doesn't have city-specific programs, Montezuma County offers resources and Colorado's CHFA first-time homebuyer programs are widely used here. These include down payment assistance grants and affordable first mortgages. Working with a local lender familiar with these programs can help you navigate the best options for your Lewis home purchase.
Nearby Cities
Explore mortgage lenders in cities near Lewis, CO
Why Choose a Mortgage Lender in Lewis?
Local Market Knowledge
Lenders who understand Lewis's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Colorado.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Lewis and get competitive rates on your home loan.