Business Details
Your Trusted Mortgage Partner in Longmont, CO
At 1st Colorado Mortgage Solutions, we are dedicated to guiding clients through the home loan process with clarity and confidence. Our mission is to empower clients to achieve their financial goals by providing personalized mortgage solutions tailored to individual needs. With over two decades of experience and a network of lenders, we specialize in simplifying complex mortgage processes while maintaining a focus on honesty, integrity, and competence.We prioritize building lifelong relationships, ensuring clients receive ongoing support beyond loan closure. Our team is committed to navigating roadblocks and helping clients realize their homeownership dreams through transparent, fair, and straightforward service.
Services
Conventional Loans
Jumbo Loans
VA Loans
FHA Loans
Reverse Mortgage
USDA Loans
Highlights and features
- We offer 24-day loan closings with full approval guarantees.
- Our team protects earnest money up to $10,000 for client security.
- We provide down payment protection plans included in mortgages at no extra cost.
- Our loan officers have over 20 years of combined mortgage industry experience.
- We maintain a network of lenders to secure optimal financing solutions.
What people say
Trustworthy, Personable and Kind
Extremely Intelligent
Great listener
Wealth of knowledge
No monthly payments
Services
Conventional Loans
Flexible 10- to 30-year fixed-rate mortgages and adjustable-rate options for primary homes. Available with low down payments and private mortgage insurance for loans above 80% LTV. Ideal for borrowers seeking stable monthly payments and conventional financing solutions.
Jumbo Loans
Specialized financing for high-value properties exceeding conforming loan limits. Offers terms from 10 to 30 years with competitive rates. Designed for borrowers purchasing luxury homes or refinancing with up to 95% loan-to-value ratios on primary residences.
VA Loans
Zero-down payment options for eligible veterans and service members. Fixed-rate terms from 10 to 30 years with no monthly mortgage insurance requirements. Tailored to honor military service through accessible homeownership opportunities.
FHA Loans
Low-down payment loans insured by the Federal Housing Administration. Available with 3.5% down and flexible credit requirements. Perfect for first-time homebuyers seeking affordable financing with fixed-rate stability.
Reverse Mortgage
Financial tool for homeowners aged 62+ to convert home equity into tax-free funds. No monthly payments required, with proceeds usable for debt elimination or retirement expenses. Ensures non-borrowing spouses may remain in the home post-borrower passing.
People
Ann Morton
Loan Officer
Award-winning mortgage expert with 20+ years of experience guiding clients through complex loan processes. Recognized for exceptional client communication and personalized service that prioritizes long-term financial success.
David Bartels
Senior Loan Officer
Ten-year veteran in mortgage lending, specializing in refinancing and first-time homebuyer programs. Known for meticulous attention to detail and ethical business practices that build lasting client relationships through transparent advice.
Questions
What loan programs do you offer?
We provide conventional, jumbo, VA, FHA, reverse mortgage, and USDA loan programs with fixed and adjustable-rate options for primary residences and refinancing needs.
How does your 24-day close guarantee work?
Our Keys On Time program ensures full loan approval within 24 days, making offers more competitive by demonstrating immediate purchasing power to sellers.
What protections do you offer for earnest money?
Our Earnest Money Guarantee protects deposits up to $10,000, providing security in uncertain markets by ensuring refunds if financing falls through unexpectedly.
Do you offer down payment assistance programs?
+Plus Program protects home equity by covering losses if property value declines at resale, included at no extra cost with qualifying mortgage products.
How can I start the mortgage process?
Begin with a pre-qualification or complete a secure online application. Our team will guide you through document submission and loan approval within standard lender guidelines.
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