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colorado mortgage
Call Today For A Free Consultation 970-241-4453
Call Today For A Free Consultation 970-241-4453
Let us guide you through the mortgage process. Our professionals make it a simple and easy process.

colorado mortgage
Let us guide you through the mortgage process. Our professionals make it a simple and easy process.

colorado mortgage

Loan Programs

Choosing a Loan Program
The right type of mortgage for you depends on many different factors.

FHA Loans
An FHA insured loan is a Federal Housing Administration mortgage insurance backed mortgage loan which is provided by a FHA -approved lender.

Conventional Loans
Conventional loans are secured by government sponsored entities such as Fannie Mae and Freddie Mac. Conventional loans can be made to purchase or refinance homes, single family to four family homes.

Fixed Rate Mortgages
A loan program where your monthly principal and interest payments never change.

Adjustable Rate Mortgages (ARMs)
These loans generally begin with an interest rate that is 2-3 percent below a comparable fixed rate mortgage, and could allow you to buy a more expensive home.

Introductory Rate ARMs
In certain markets, Adjustable Rate Loans (ARMs) may offer a low introductory rate or start rate. This start rate is for a limited time. As a rule, the lower the start rate is the shorter the time before the loan makes its first adjustment.

Standard ARMs and the Differences
Various types of adjustable rate mortgages.

Cost of Funds Index (COFI)
This index is used to determine the interest rate for some types of ARMs.

London InterBank Offered Rate (LIBOR)
This index is used to determine the interest rate for some types of ARMs.

Graduated Payment Mortgages (GPMs)
The GPM is an alternative to the conventional adjustable rate mortgage, and has a fixed note rate and payment schedule.

Interest Rate Buydowns
In certain markets, Interest Rate Buydowns may be available. In general Buydowns this is how they work. Payments are reduced and figured on a lower interest rate over a specific term. The difference between the “real” note rate and the lowered interest rate is paid in cash by the seller or the buyer. The more common buydowns are 3-2-1 and 2-1.

Reverse Mortgages
A reverse mortgage is a special type of loan made to older homeowners to enable them to convert the equity in their home into cash.

Unifirst Mortgage
NMLS# 333096
604 25 Road 
Grand Junction, CO 81505 
Phone: 970-241-4453
Fax: 970-263-5214
more locations
Privacy Statement

Licensed by the PA Dept of Banking
Regulated by the CO Division of Real Estate

Unifirst Mortgage
NMLS# 333096
604 25 Road 
Grand Junction, CO 81505 
Phone: 970-241-4453
Fax: 970-263-5214
more locations
Privacy Statement

Licensed by the PA Dept of Banking
Regulated by the CO Division of Real Estate