With 35 Lenders we provide the following mortgage programs:

 

Residential Loans:
Conventional, Jumbo, Super Jumbo, Portfolio, Construction including one time lot/construction/permanent, Condos, Condo Hotels, Foreign Nationals

 

Conventional (Conforming)

In most resort communities these mortgages have a limit of $625,000 per loan. Some programs such as FHA allow for as little as 3.5% down payment. Typically we structure these loans so that the lender pays all or most of the loan closing costs.

 

Jumbo/Super Jumbo

For mortgages above conforming loan amounts we have numerous lenders who understand both the resort markets and the needs of self employed borrowers. Additionally, we have a number of closely held banks who will provide mortgages substantially above traditional loan limits.

 

Portfolio Loans

We are fortunate to represent a number of well capitalized closely held banks who hold their loans "in house." As such, they often have greater flexibility within their loan guidelines to meet the individual needs of each client.

 

Lot/ Construction Loans (convert to a permanent loan upon completion)

We have a number of loan programs designed specifically for "one time closing" lot/construction/permanent loans where you can establish your interest rate upfront for the entire loan period. For primary and second home owners, we currently have the ability to finance up to 90% of the lot cost and 80% of the finished property value, whether a vacant lot or major rennovation project. Builder programs are available as well.

 

Condominiums and Condominium Hotels

We have an extensive group of lenders who finance condominiums and or condominium hotels at market rates. As a resort based lender, we have worked with our lenders to familiarize them with the market and to create mortgage programs that meet the unique needs of the resort condominium market.

 

Foreign Nationals

We consistently provide resort mortgage services for non US citizens through a straightforward, common sense approach to mortgage lending.

Commercial Loans:

• Land/Construction

• Construction/Development

• Mixed Use

• Single Family, Townhomes, Multifamily, Hotels

• Conversion from Hotel to Work Force housing

• Hospitality

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We have and continue to provide financing for the acquisition, renovation and new construction of commercial properties across the region. Sample commercial project financings:

Ski Town Apartments, Steamboat Springs, Colorado (80 workforce housing units)

Storm Peak Apartments, Steamboat Springs, Colorado (74 workforce housing units)

Dublin Storage, Colorado Springs, Colorado (100,000 sq ft climate controlled high rise self storage)

Multiple Commercial Buildings, Telluride Colorado

Multiple Residential Development Projects, Telluride, Colorado

Multiple Residential Development Projects, Roaring Fork Valley, Colorado

Timberglen Apartments, Craig, Colorado (54 units)

Trailhead Apartments, Meeker, Colorado (renovation)

Trail & Hitch, Meeker, Colorado (renovation)

Super 8 Wyndham Motel, Durango, Colorado

Cedar Creek RV Project, Montrose, Colorado (workforce housing)

Boulders RV Park, Buena Vista, Colorado

Camp V, Naturita, Colorado

The Madison at Stetson Hills, Colorado Springs, Colorado (55+ residential community, 149 units)

Bergen Place at Hiwan, Evergreen, Colorado (32 high end townhome units)

Aspen Edge, Aspen Colorado (8 workforce housing units)

Homestead Development, Grand Junction, CO (4.4 acres of medium density housing)

Homestead at Saddlerock East, Aurora, Colorado (103 high end multifamily townhomes)

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