Tailored Mortgage Solutions

At TruNorth Mortgage, we understand that finding the perfect mortgage solution can be daunting. That's why we offer a comprehensive suite of mortgage services tailored to Colorado homebuyers' needs. Whether purchasing your first home, refinancing an existing mortgage or exploring investment opportunities, our expert team guides you through every step.

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Loans

FHA Loan

An FHA loan presents an excellent mortgage option, particularly beneficial for first-time homebuyers or those seeking reduced down payment options. Moreover, it supports clients with less-than-ideal credit scores, making homeownership more accessible and attainable.

203(k) Home Loan Renovation

It offers a comprehensive solution for those purchasing or refinancing a fixer-upper property. Combining the home construction loan and mortgage into one convenient package simplifies the process and provides significant cost savings on closing expenses.

Veteran's 'VA' Loan

A VA loan is a specialized mortgage option tailored to honor the service of our military veterans. It is designed to make homeownership more accessible to those who have served our country and empowers them to achieve their homeownership dreams quickly and affordably.

Jumbo Loan

It is a unique financing option tailored for high-value property purchases that exceed conventional loan limits. With flexible terms and personalized solutions, jumbo loans empower individuals to secure their dream homes or investment properties confidently and quickly, regardless of size or value.

USDA Rural Loan

The United States Department of Agriculture supports a specialized mortgage program to assist homebuyers in rural and suburban areas. With competitive interest rates and flexible credit requirements, the USDA Rural Loan makes homeownership more attainable.

Low Down Loan

It features competitive interest rates and fewer restrictions than other loan types, providing borrowers with more choices and opportunities to find the right financing solution for their needs.

Conventional Loan

It's a versatile financing solution suitable for many borrowers and property types. They offer competitive interest rates and various term options, allowing borrowers to tailor the loan to their needs and budget.

One-Time Close Construction

Whether constructing a new primary residence or renovating an existing property, the One-Time Close Construction loan offers a seamless solution for aspiring homeowners to bring their vision to life.

Mortgages

Adjustable Rate Mortgage (ARM)

It is a type of home loan where the interest rate fluctuates periodically based on market conditions. Typically, the initial interest rate on an ARM is lower than that of a fixed-rate mortgage, making it an attractive option for borrowers seeking lower initial monthly payments or planning to relocate or refinance shortly.

Fixed Rate Mortgage

It is a type of home loan where the interest rate remains constant throughout the entire term of the loan. This means that the monthly principal and interest payments remain unchanged, providing borrowers with predictability and stability in their housing expenses.

Reverse Mortgage

It is a unique financial product explicitly designed for homeowners aged 62 and older. Unlike traditional mortgages, where borrowers make monthly payments to a lender, a reverse mortgage allows homeowners to convert a portion of their home equity into cash without selling their home or making monthly mortgage payments.

Back to Work Mortgage

The program offers a lifeline to individuals who have experienced a significant economic event, such as foreclosure, bankruptcy, or short sale, and are now looking to re-enter the housing market.

FHA 580-620 Mortgage

This program is tailored to individuals with moderate credit challenges. It offers a pathway to homeownership with competitive interest rates and flexible down payment requirements, enabling borrowers to achieve their homeownership goals despite credit score fluctuations.

Programs

Home Affordability Refinance Program (HARP 2.0)

It aims to make refinancing more accessible and beneficial for homeowners. This program can lower monthly payments, reduce interest rates, and make homeownership more sustainable for those facing financial challenges.

No FICO, No Problem Program

By evaluating alternative credit data, such as rental payments, utility bills, and other non-traditional sources, this program offers a viable solution for individuals with unique credit profiles.

Home Path Program

Designed to facilitate the sale of these properties, the program offers special financing incentives, including low down payment requirements and flexible mortgage terms. It provides opportunities for homebuyers to purchase affordable properties and realize their homeownership aspirations.

Start Your Home Buying Journey

Finding the right mortgage solution is crucial for your home buying journey. At TruNorth Mortgage, we ensure you get the best possible deal with the least stress. Start your application today and take the first step toward your dream home.

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