Cell: 720-849-9134
Catrina Cohen-Reed Can Help With All Your Mortgage Needs
A Mortgage Broker You Can Trust
As a certified broker, I'm well aware of the stress involved in searching for a dependable and informed Loan Expert to assist you in navigating the mortgage journey. Whether you're looking to buy or refinance your existing home or investment properties, it doesn't have to be such a daunting task. Allow me to assist you by tailoring a loan that suits your requirements and educating you on all your mortgage and financing choices, enabling you to make a wise and knowledgeable choice. Contact me today to discover how I can help you.
Areas of Expertise
As a Mortgage Broker, I work carefully and diligently in order to provide my clients with the financing solutions they deserve. To me, there’s nothing more important than client satisfaction, which is why my promise is to find the best mortgage for each client based on their financial situation and property preferences. Read more about how I can make mortgages fast and easy for you.
GOVERNMENT MORTGAGE LOANS (FHA, USDA, VA)
A loan guaranteed by a government agency is protected by one of the three main federal agencies: the Federal Housing Administration (FHA), the U.S. Department of Agriculture (USDA), or the Department of Veterans Affairs (VA). For every type of loan, the government agency that backs it covers the loan amount, safeguarding the lender if the borrower fails to fulfill their repayment obligations. This setup greatly lowers the risk for lenders and could enable them to provide loans with lower interest rates or no down payment at all.
CONVENTIONAL (Fannie & Freddie)
Conventional mortgage loans are started, guaranteed, and managed by private lending companies such as commercial banks, credit cooperatives, and additional financial organizations. These mainstream mortgage loans are classified into conforming and nonconforming loans based on their adherence to the standards established by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), which are the two government agencies that possess numerous mortgage loans across the U.S.
NON-QM LOANS
A non-qualified mortgage (non-QM) is a mortgage loan category specifically crafted for individuals who do not fulfill the criteria of typical loan programs. These loans can serve as a favorable choice for individuals with distinctive sources of income, including the self-employed, those with irregular earnings, or international residents. Additionally, non-QM loans may be suitable for those who have been rejected by traditional or federally backed loans, or for those who require financing urgently.
REVERSE MORTGAGES
With a reverse mortgage, you borrow money from the lender, based on the amount of equity you have in your home. The lender may send you the funds from the reverse mortgage all at once, in monthly installments, or a mix of both. But no matter how you get the money, the bank keeps adding interest to what you owe every month. This means your debt grows, and you end up owing more, which also means you have less of your home's value left.
Whether you’re buying your first home or looking for a new property, there’s lots of stress and complications involved in mortgages and financing. That’s where I come in. I help my clients with all their Credit Assessment needs so they can enjoy the fun and excitement of buying real estate knowing they’re in good hands.
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Let’s Talk
Ready to purchase a property and need help with financing? Get in touch to find out how I can help with your mortgage needs.
7873 W. Jewell Ave. Lakewood, CO 80232
Cell: 720-849-9134