In addition to being Durango’s Exclusive Buyer’s agent, Steve is a licensed Colorado real estate loan originator associated with Mac 5 Mortgage. Mac 5 is a mortgage brokerage that represents over 30 lenders, which allows Steve to find the loan program that is perfect for you at the best rate and terms.
Here are the programs and key features:
FHA – allows for marginal credit and 3.5% down, which can be a gift.
VA – Provides veterans with 0 down financing and no monthly mortgage insurance
USDA – 0 down financing to families with moderate to low income
Conventional – Loans available with as low as 3% down
An optional part of Steve’s service involves providing the financing for his buyer clients. Here are the key advantages:
- Steve can shop for the best lender and program on your behalf
- You will save time by working with one professional instead of two
- Steve is an expert in real estate and financing, he makes sure the offer to purchase meets the lender’s requirements.
- If you need to minimize your closing costs, Steve will negotiate the payment of your costs by the seller.
- Steve’s wife and assistant Kathy, coordinates the loan process to insure that your loan is ready to fund by closing