Take this in to mind when your looking to refinance. For the most part the greater majority of mortgage advertising has gone away. For those that are still around advertising and promoting their business’s with their website promotions; it amazes me the that they are still using those old get a free appraisal or apply online line and get the online discount. The way I have always run my business at Capital Advantage LLC. is to be honest with my clients and offer the best rate and the lowest actual fees the market has to offer. I am an independent mortgage mortgage broker located in Commerce City Colorado that specializes in Real Estate Finance in the State of Colorado. I provide mortgage loans for refinance and for purchase. I’m dedicated to providing you the best service combined with the honesty and integrity you deserve. Let my 18 years of experience help you achieve your real estate financing goals.

Andrew Hahn President of Capital Advantage LLC a residential and commercial mortgage lender.

Click here to go to my business website Capitaladvantagemortgagelending.com

Home Affordable Refinance Program

I’m Andrew Hahn President of Capital Advantage Mortgage; I specialize in Refinancing in Colorado as well as Denver Refinancing and the entire Front Range.  I am Licensed, Bonded and Insured in the State of Colorado. Although my primary Business in Colorado the information I provide can help all.

The special program I talk about is designed to help those who owe more on their home than it is worth, ALSO those who have current loans on their homes that just want to take advantage of today’s low rates and have High Loan To Values (LTV). This program allows you to qualify for the lower rates and does not punish you for credit score as do other loan programs. One of the many benefits of this loan program is that if you do not currently have mortgage insurance you well not need to get mortgage insurance if you go over 80% LTV. DON’T Miss out on today’s low rates and don’t wait as rates are starting to go up. If you are considering a refinance now is the Time. In order to qualify for this loan it must be a Fannie Mae or Freddie Mac loan. Call me or email me and I’ll help you find out if you qualify for this program. When considering a refinance in Denver or anywhere in Colorado for a free mortgage analysis contact me Andrew Hahn for personalized and professional service. I’ll be able to go over all your options to obtaining the best mortgage program with the most competitive rates the market has to offer. Please CLICK HERE to fill out a secure online application or if you would prefer call me and we can discuss your loan Andrew Hahn 303-331-8040

Andrew Hahn has over 18 years in the mortgage industry specializing in Mortgage Refinance in Denver and the State of Colorado.

It is reported Mortgage Interest Rate are near all time lows, well as that news comes out Dec. 3 & 4th coincidentally these past few days the interest rates have actually have been going up. This morning the unemployment report that came out this morning was quite a surprising which in turn caused mortgage interest rates to deteriorate. With a continued flow of positive news in the market like this, could mean the end low mortgage rates. With the government purchasing Mortgage Backed Securities program ending come March /April the chances are good that, that is going to be the beginning of the end of these extremely low rates, but with this type of positive flow of information that end could start sooner than that. This might be the time for those who have been sitting on the fence to take this as a bottom of the lowest rates and make your move. Barring any other shoes to fall scenarios that could drag the economy back down; such as the woes in Commercial Real Estate or maybe unemployment isn’t really as it seems to be and further job loss and the negative impact on housing too could drag the economy backyards again, this would be the signal of the end of the really low rates. So if you have been sitting on the fence you might want to ask yourself if you want to take the chance that there is going to be another leg down; also something else to keep in mind that as time passes since the mortgage meltdown the trend for more conservative lending standards is continuing to tighten making it more and more difficult to refinance or purchase. There is a continued movement to reduce Loan To Values requiring either more money down or more equity in your property in order to qualify for a mortgage. Other changes that are continuing to make it more difficult to qualify is the reduction of qualifying ratios or debt to income ratios.If you would like an interest quote and are considering a refinance CLICK HERE to visit my website and fill out a secure application.

Andrew Hahn Specializing in superior customer service.

In an already difficult lending environment as of December 12th Fannie Mae is updating their underwriting standards to make obtaining a loan just that much more difficult. One of the main changes is they are lowering the bottom ratio for qualifying for a loan from 50% to 45%. The bottom ratio is the amount that includes your monthly obligations and your  house payment. If your considering a refinance (which now is a really good time) you need to get your application in and underwritten by December 11th to be able to use the current guidelines. For some this could be the difference in being able to qualify. If your interested in refinancing here is a link to my secure online application. When Considering Refinancing in Denver, Commerce City or the State of Colorado please give me a call Andrew Hahn

DENVER REFINANCE, COMMERCE CITY REFINANCE

It’s the day after Thanksgiving and today was a shortened session  in the market rates pretty much remained unchanged.  Credit standards starting to become more strict making it more difficult to purchase or refinance.

Fannie Mae plans to raise minimum credit score requirements next month and limit the amount of overall debt that borrowers can carry relative to their incomes, The Washington Post reported on Thursday.

Starting December 12, the automated system that the government-controlled mortgage finance company uses to approve loans will reject borrowers who have at least a 20 percent down payment but whose credit scores fall below 620 out of 850, the newspaper reported. Previously, the cut-off was 580.  COMMERCE CITY REFINANCE

They just keep making it more difficult. If your thinking about refinancing now is the time. Appy now CLICK HERE

Happy Thanksgiving, and the countdown to Christmas begins. Are you ready for black Friday? I’m Andrew Hahn and I specialize in Denver Refinance as well as Colorado refinancing. I’m pretty darn good at your Mortgage purchases too. I have over 18 years experience and I am licensed and fully insured. This time of year it’s always tempting to use those credit cards for those holiday purchases and if you do, do yourself a favor and create a budget and stick with it. Sorry don’t mean to sound like a stick in the mud but as we all know getting credit isn’t as easy as it used to be. In those past years it was easier to to get that HELOC (Home Equity Line Of Credit) or a closed end Second Mortgage.These day’s it’s a bit more difficult to refinance because of the reduced property values, the elimination of many Second  Mortgage loan programs  and with tightened credit standards. I do have Second Mortgage loan programs available and depending on your loan to value and your current interest rate sometimes it still might make sense to consider refinancing your first mortgage. If you get a few extra minutes give me a call or drop me an email so we can take a look at your unique situation to see how we can improve your current mortgage.

When considering you Denver Refinance make sure to explore all your mortgage loan options to insure you get the best loan possible. Please visit my business website CapitalAdvantageMortgage.com get rates quotes, fill out a secure loan application or utilize my recommended professionals.

Have a great Thanksgiving Andrew Hahn

And be careful Black Friday can be ruthless

When you’re looking for help you’ve come to the right place. When considering Refinancing in Denver or more over I specialize in Refinancing in Colorado, dont’ go to a webiste that just collects your information to sell as a potential lead to multipul companies go direct to my website CLICK HERE. I’m a licensed and fully insured Mortgage Broker located in Commerce City Colorado and have been in the mortage business for over 18 years. On the lighter side if you would like to meet me and learn more about me visit my personal website. Andrew Hahn

YOU MIGHT BE SURPRISED:

I’m Andrew Hahn a Colorado mortgage broker located in Commerce City Colorado on the north edge of Denver who specializes in Colorado refinancing.

Even in this market there are a couple loan programs that could to help you.  First these programs are either Fannie Mae or Freddie Mac loan programs that are designed to replace an existing loan that is already owned by them.  So the first and most important bit of information you need to know is who owns your loan.  The company you make your loan payment to is a servicer not necessarily the entity that owns your loan. The easiest way to find out who owns your loan is to call me and I’ll help or call the servicer and ask them if your loan is owned by Fannie Mae or Freddie Mac, if your loan IS owned by one of these agencies your one step closer to being able to take advantage of today’s low rates.  If your loan isn’t then at this time there is no loan program that allows you to refinance at the Loan to Values that the programs I’m going to talk about do. These programs take into consideration the declines in property Value and let you refinance at up to 125% Loan to value. This means that if your loan is $312,500.00 and NOW because of the declining market you property only well appraise at $250,000.00 you can still refinance your loan at today’s rates.  There are interest rate adjustments but rates are still pretty darn good. The best way to figure out if this loan program can save you money is to email me or give me a call and we can run some comparisons to see if this works for you.  This loan program can extremely helpful if you want to change from an ARM type loan or from an interest only loan and replace it with a new 30 fixed rate loan.  This program allows for up to 125% loan to value on the first mortgage. Even if you have a second mortgage you can still refinance with the condition the second mortgage subordinates to the new first mortgage. If you want help to see if you can qualify for these loan programs, contact me and I’ll help you. I’ll help you find out if your loan is eligible for this program and run loan comparisons to evaluate the benefit’s. If you would like you can CLICK HERE and go to my website and fill out a secure loan application and I can start working on it right away.

This is a great program don’t miss out.

Have a great day

Andrew Hahn