OUR 4-STEP SAFE HOME BUYING PROCESS

We understand that the home buying process can be intimidating. 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.

We help walk you through every step so you understand everything you need to know, what you need to do and realize who all of the players are.

EDUCATE

We help walk you through every step so you understand everything you need to know, what you need to do and realize who all of the players are.

We help you understand the difference between rent and a mortgage payment. Your income tax savings, how to beat inflation and how forced savings creates wealth.

KNOW YOUR NUMBERS

We help you understand the difference between rent and a mortgage payment. Your income tax savings, how to beat inflation and how forced savings creates wealth.

We address questions like "When do you have to move?".  We address any loan approval landmines and establish your timeline.

Build Your Plan

We address questions like "When do you have to move?". We address any loan approval landmines and establish your timeline.

We collect and review all credit documents, review in underwriting when necessary.  We establish maximum loan parameters so you can shop like a cash buyer!

GET PRE-APPROVED

We collect and review all credit documents, review in underwriting when necessary. We establish maximum loan parameters so you can shop like a cash buyer!

OUR GUARANTEES

View our future homebuyer educational resources below.

Guaranteed Accurate Pre-Approval

Guaranteed Accurate Pre-Approval

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
Our Performance Guarantee

Our 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
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
Guaranteed Accurate Pre-Approval
Our Performance Guarantee
Local Operations

LOAN OPTIONS

Zenith Home Loans offers a wide range of loan options.

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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.

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VA LOANS

VA Loans are 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.

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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.

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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.

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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

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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.

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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.

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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.

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FAQs

Answers to some commonly asked questions regarding buying a home or refinancing a loan.

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GLOSSARY

View our glossary of terms and educate yourself on the home loan and refinance process

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Download Our PDF

Consumer's Guide To Home Financing

REFINANCE RESOURCES

Zenith Home Loans offers a wide range of refinance resources and options.

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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.

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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.

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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.

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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.

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WHAT OUR CUSTOMERS SAY ABOUT US

Don't take our word for it, see what our clients have to say about their experience working with Zenith Home Loans.

Todd, and his assistant Nicole, were an absolute pleasure to work with! They are both very solution focused and always stay in contact throughout the the entire transaction to be sure everyone involved is on the same page. I will continue to confidently refer him out to my clients and friends knowing that he will take excellent care of anyone I send his way. Thanks so much Todd and Nicole! Peak Real Estate Colorado, Inc., Feb 20, 2019
Todd, and his assistant Nicole, were an absolute pleasure to work with! They are both very solution focused and always stay in contact throughout the the entire transaction to be sure everyone involved is on the same page. I will continue to confidently refer him out to my clients and friends knowing that he will take excellent care of anyone I send his way. Thanks so much Todd and Nicole! Peak Real Estate Colorado, Inc., Feb 20, 2019
Great experience- made closing in 20 days possible and timely! Kayla Brittanne Mattix, Feb 20, 2019
Great experience- made closing in 20 days possible and timely! Kayla Brittanne Mattix, Feb 20, 2019
Tom was available 7 days each week. Often in the evenings. This is a complicated process. Tom had great patience with my many questions. Tom is a competent teacher. Gary L Garay, Feb 12, 2019
Tom was available 7 days each week. Often in the evenings. This is a complicated process. Tom had great patience with my many questions. Tom is a competent teacher. Gary L Garay, Feb 12, 2019
Tom worked so incredibly hard to help us get in our first home. He made it clear what we could afford from the beginning and then he worked to keep everything moving once we contracted on our home. Katelynn Lippitt, Feb 12, 2019
Tom worked so incredibly hard to help us get in our first home. He made it clear what we could afford from the beginning and then he worked to keep everything moving once we contracted on our home. Katelynn Lippitt, Feb 12, 2019
Tom was amazing from our first meeting through the closing of our first home. Tom has turned into a friend of mine during this process and I'd definitely recommend him to others. Cady Wilson, Feb 12, 2019
Tom and his team we're very available when needed and helped with changes to my buying process to make sure things went as smoothly as possible. Tom is very approachable and easy to talk to. Adam Lee Gerstenberger, Feb 12, 2019
Tom and his team we're very available when needed and helped with changes to my buying process to make sure things went as smoothly as possible. Tom is very approachable and easy to talk to. Adam Lee Gerstenberger, Feb 12, 2019
Tom was amazing from our first meeting through the closing of our first home. Tom has turned into a friend of mine during this process and I'd definitely recommend him to others. Cady Wilson, Feb 12, 2019
Tom and his team we're very available when needed and helped with changes to my buying process to make sure things went as smoothly as possible. Tom is very approachable and easy to talk to. Adam Lee Gerstenberger, Feb 12, 2019
Tom was amazing from our first meeting through the closing of our first home. Tom has turned into a friend of mine during this process and I'd definitely recommend him to others. Cady Wilson, Feb 12, 2019
Tom made the entire process much easier than we imagined it could be. He kept us informed and ultimately got us into the house with the payments we wanted. David W Lawing II, Feb 12, 2019

CONTACT US

Fill out the contact form below or call us at 303-347-7598 to speak with a Zenith Home Loans team member.