THE 4-STEP SAFE HOME BUYING PROCESS

At Zenith Home Loans we understand that the home buying process can be intimidating. With our 4-Step Safe Home Buying Process, we can assure you that you will receive your home loan on time, under budget with no surprises. Each one of our loan originators has the experience to guide and educate you during the process so you truly understand your loan and have clear expectations.

  • Education: Understanding the home buying process
  • Know Your Numbers
  • Build Your Plan
  • Secure a full document pre-approval
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FULL DOCUMENT PRE-APPROVAL GUARANTEE

Zenith Guarantees our Full Document Pre-Approvals as long as:

  • Your personal financial qualifications stay the same or improve
  • The pre-approved loan parameters stay the same or improve
  • The property meets all the necessary loan requirements

If we were wrong, we will:

  • Reimburse documented short-term moving, relocation and/or storage expenses up to $1,500
  • Reimburse any documented lost home inspection or appraisal expenses up to $1,000
  • Reimburse any forfeited earnest money expenses up to $7,500
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OUR PERFORMANCE STATS

1,734

Days in a row our funds were at the closing table 1 day early

100%

Pre-approved to closing ratio.

24 Days

We beat the national closing average by 24 days in November.

2.7 Days

On average, we were “Clear to Close” 2.7 days prior to the loan objection deadline in November!

ZENITH PERFORMANCE GUARANTEE

Your final closing costs will not exceed our quote at the time you lock

  • Or we’ll pay you the difference PLUS $500 after you close

We will meet the loan objection deadline per the original sales contract

  • Or we’ll pay you $500 after you close

We will meet the Closing Deadline per the original sales contract

  • Or we’ll pay you $500 after you close

We will wire funds to title 1 day before closing

  • Or we’ll pay you $500 after you close
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Refinance Resources

SHOULD I REFINANCE

SHOULD I REFINANCE

Learn some of the basics about refinancing and how to determine if it makes sense for you. Everyone’s situation is different, so don’t rely on the media or advertisers to decide. Here’s how to do that.

HOW REFINANCING WORKS

HOW REFINANCING WORKS

What’s really going on when you refinance your mortgage? How to cut through the clutter and determine for yourself the best course of action and what you should evaluate.

FHA STREAMLINE REFINANCE

FHA STREAMLINE REFINANCE

FHA Streamline refinance refers to the refinance of an existing FHA-insured mortgage requiring limited borrower credit documentation and underwriting. Streamline refinances are available under credit qualifying and non-credit qualifying options, and may or may not require an appraisal.

VA STREAMLINE REFINANCE

VA STREAMLINE REFINANCE

VA Streamline or IRRRL loans can be made to refinance an existing VA loan, lower your rate and payments, or go from an adjustable to a fixed rate loan

Loan Options

FHA LOANS

An FHA mortgage is a government-insured home loan. Features for FHA loans include less strict credit history requirements, down payments as low as 3.5% (gifts can be used for down payments), and very competitive interest rates.

VA LOANS

VA Loans are mortgage loans issued by approved lenders such as Zenith Home Loans, guaranteed by the federal government, for active duty or honorably discharged military personnel. Features include $0 down payment for loans under $417,000, no monthly mortgage insurance, and very competitive rates.

CONVENTIONAL LOANS

These loans are ideal for borrowers with good or excellent credit, and they feature conservative guidelines for credit scores, down payments and debt to income ratios. There are conventional loan programs available with as little as 3% down payments.

JUMBO LOANS

Exactly what they sound like, Jumbo loans are larger loan amounts over $417,000. These loan programs typically require stronger credit profiles with down payments starting as low as 10% for some borrowers.

DOCTOR LOANS

Specialty Loan Programs exclusively for Doctors, Dentists, Podiatrists, Ophthalmologists, and Veterinarians. 100% financing up to $650,000 with no mortgage insurance. 90% financing up to $1.0 Million with no mortgage insurance, and 75% financing up to $2.0 Million

CHFA LOANS

Zenith is an approved CHFA lender, offering a variety of loan programs to assist Coloradans with access to competitive fixed rate financing, down payment and/or closing cost assistance for both purchasing a home and refinancing.

ARM LOANS

ARM loans are simply adjustable rate loan programs that may be available for the various other loan programs we offer. These can be an excellent alternative for some borrowers, and can be easily explained by one of our home loan experts.

Construction/Rehab Loans

Zenith Home Loans works with accepted local builders on New Construction Home Loans. And we can work on loan to help you complete that big remodel rehab project you’ve always wanted to do. We handle each step of the loan process, allowing you to focus on your Home not your Loan.

Local Operations

LOCAL OPERATIONS

We love the mortgage business because we get to help families realize the American Dream of homeownership. But the only way Dave Gallegos and his team will ever operate his company is by having complete & total control over mortgage process from start to finish. The reason is simple, we know you are counting on us to do what we said we would do, and we know it’s our reputation at stake!

  • Locally managed and supervised Disclosing, Underwriting, Processing and Closing
  • A friendly helpful staff that can answer all your questions
  • You’ll have one point of contact besides your Loan Officer
  • We guarantee your loan will close On Time, Under Budget, with No Surprises

Get In Touch

ADDRESS

1423 S Pearl St
Denver, CO 80210

E-Mail

caseyc@zenithhl.com

Phone

(720) 512-5500

(303) 380-7989