The Best Mortgage Lenders in Westminster, CO
Compare verified mortgage lenders serving Westminster, Colorado. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Westminster
Featured Mortgage Lenders
New American Funding
New American Funding
New American Funding is a top-rated mortgage lender with a strong presence in the Denver metropolitan area, including Westminster. Known for its exceptional customer service and competitive rates, the company has built a reputation for helping diverse borrowers with various loan programs. Their local team provides personalized service, and they are highly regarded for their efficiency in processing and closing loans. With numerous positive reviews highlighting their responsiveness and expertise, they are a preferred choice for homebuyers in the region.
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Movement Mortgage
Movement Mortgage
Movement Mortgage is a highly respected lender with a significant footprint in Colorado, serving Westminster and surrounding areas. They are praised for their streamlined online application process and dedicated local loan officers who offer tailored advice. The company emphasizes community involvement and customer satisfaction, with many reviews noting their quick closings and transparent communication. Their wide range of loan products and commitment to competitive pricing make them a standout option for borrowers seeking reliability and innovation.
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Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage has a long-standing reputation for excellence in the mortgage industry, with a strong local presence in the Denver metro area, including Westminster. They are renowned for their competitive rates, extensive loan options, and high level of customer care. Reviews frequently highlight their knowledgeable staff and efficient service, making them a trusted choice for first-time and experienced homebuyers alike. Their commitment to community support and ethical lending practices further solidifies their position as a top lender in the region.
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Frequently Asked Questions
Common questions about mortgage lending in Westminster, CO
Are there any first-time homebuyer programs specific to Westminster, CO that can help with down payment or closing costs?
Yes, Westminster homebuyers can access the CHFA (Colorado Housing and Finance Authority) programs, which offer down payment assistance and competitive first mortgage options. Additionally, Adams County and Jefferson County (which both include parts of Westminster) may have local assistance programs. These programs are particularly valuable given Westminster's competitive housing market near the Denver metro area.
How do Westminster's property taxes affect my monthly mortgage payment compared to other Denver metro areas?
Westminster's property tax rates are generally lower than many surrounding Denver metro communities, with Adams County portions around 0.65% and Jefferson County portions around 0.75% of assessed value. This can result in significantly lower monthly escrow payments compared to cities with higher mill levies, making homeownership more affordable despite similar home prices.
What types of mortgages are most common for Westminster's mix of older and newer construction homes?
Given Westminster's diverse housing stock ranging from 1960s ranches to new construction in communities like Bradburn and Historic Westminster, both conventional and FHA 203(k) renovation loans are popular. For newer developments, standard conventional loans dominate, while FHA and VA loans work well for the many military families near the Rocky Mountain Metropolitan Airport area.
How does Westminster's location in both Adams and Jefferson Counties impact the mortgage process?
This dual-county situation means your mortgage lender must verify which county the property is in, as it affects recording fees, transfer taxes, and specific municipal requirements. Jefferson County portions typically have slightly higher closing costs, so it's important to work with a lender familiar with both counties' requirements to ensure accurate cost estimates.
Are there special mortgage considerations for buying near Westminster's growing commercial corridors like the Westminster Promenade?
Yes, properties near major commercial developments may have specific zoning considerations that lenders evaluate carefully. Additionally, homes in these areas often command premium prices, so jumbo loans are more common. Lenders may also consider potential noise or traffic impacts when appraising properties in these rapidly developing areas of Westminster.
Why Choose a Mortgage Lender in Westminster?
Local Market Knowledge
Lenders who understand Westminster'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 Westminster and get competitive rates on your home loan.