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!

OTUBNS® Stands For: On Time, Under Budget with No Surpises

Because that's what everyone wants when they get a mortgage.

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

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.

Giuseppe and his team are so great to work with. He really knows his stuff and can help you understand your options and help you make the best decision for you. They pay attention to detail and stay on top of your loan to make sure that you have everything in order and get closed on time. Very pleased with my experience and will continue to refer my friends and family to work with Giuseppe in the future. Trever Morley, May 21, 2019
John was super fast, thorough, and offered great explanations. Patrick Delos Loney, May 21, 2019
The entire team did a wonderful job communicating with us during the refinance process. The video messages from Todd were very helpful as well. Dabe Debnath Chatterjee, May 21, 2019
Chris was knowledgeable and helpful. Jacob Allen, May 20, 2019
Chris did a great job at being on top of his communication. For what I do for work that is very important so my wife and I appreciated that a lot. Especially because buying a home is such a big deal. He was always easy to reach and was quick to respond to questions. He was also very knowledgeable and made the process easy which was a huge plus! John Michael J McCahan, May 20, 2019
Everything was as promised from pricing to timing! Mark Siebert, May 20, 2019
Chris is a really good person and is very helpful. This is the second time he has helped us buy a house. Pleasure working with him! Ahmed Al Zaidi, May 20, 2019
Todd and Nicole showed the they cared about us and our process and I didn’t feel like just another number. They are knowledgeable, professional, and helpful! Definitely recommend! Laura Catherine Flores, May 20, 2019
This was our first time buying a home and the team at Hallmark made the process much less daunting! Todd, Nicole, and Kat took a lot of time to explain the whole process to us and were always happy to answer our questions and responded to e-mails and phone calls very quickly. Staff were friendly, professional, and knowledgeable! We would use them again in the future! Laura Catherine Flores, May 20, 2019
Jacalyn's constant communication and accessibility made it a stress free process. Brian J Mullowney, May 19, 2019
Casey was attentive and helpful every step of the way Stephanie Sabo Boehm, May 19, 2019
The communication, even after hours when we had questions or requirements for additional documents, was stellar with Giuseppe and his team! Would recommend him and his team to anyone needing a home loan. Thank you Giuseppe! Paul A Weiler, May 19, 2019
Giuseppe Battaglioli - My Denver Home Loan Team was extremely helpful, knowledgeable, and honest through the entire process. We were first time buyers, and it didn’t feel like it for even a moment. No matter the question or time of day, Giuseppe and his team were available and wanting to help. We will never be using anyone else in the future. Nathan Philippi, May 19, 2019
Tom was very professional and was extremely knowledgeable. It was the easiest, smoothest process I’ve ever gone through. Highly, highly recommend Tom to anyone. The level of detail and care that Tom portrays is second to none! Christopher Ryan Hull, May 17, 2019
Todd and Nicole were VERY professional and quick to respond to any and all questions! It was an awesome experience, I would highly recommend them! David Joseph Craigo, May 16, 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.