There is so much information on the internet for first time homebuyers, we felt it was important to devote a portion of our site to seasoned homebuyers who have already owned one or more homes. The mortgage industry has gone through so many regulatory changes since 2008, there is a good chance that the process will be somewhat different than you remember. Fortunately you have found our company. Making the loan process as smooth as possible is what we excel at.

If there is one thing about the loan process that has changed the most from the loans that were being made prior to 2008, it is the amount of documentation lenders require now. While there is no easy way to avoid this, what we’ve learned from our past buyers is that being asked for additional documentation three, four, and five times throughout the loan process is not at all pleasant and is also not terribly efficient.

At Uptown Mortgage our mortgage brokers have the experience to be able to look at your particular situation, and identify very accurately what the underwriter will likely require to underwrite your file. Being diligent and thorough at gathering the needed documentation at the beginning of the loan process almost always results in a very clean underwriting approval. It also ensures that we move through the loan process to closing your loan as quickly as possible.

There are many situations that we’ve encountered over the years that could have been avoided by doing a better job educating our borrowers before the loan process began. Clients frequently express concern about understanding the process of applying for a mortgage loan so they can better prepare themselves for the process. These questions are designed to assist you in preparing for your loan process so you can minimize the stress and requests for additional documentation that occur during the loan process.

Asset Related Questions

Can I use cash deposits?

Can I take a cash advance on my credit card?

Can I deposit checks from sources other than my payroll check into my account?

What about transfers into my account from another account?

What do I do if I have already received money in my account?

What other things does the lender look for on account statements?

When do I need to have my down payment?

What is required for gift documentation?

My agent is writing my offer this afternoon and I forgot my checkbook. Can my girlfriend (or mom or brother or friend) write the earnest money check for me and I can pay them back?

I don’t have enough money in my account for my earnest money. Can I write a check from my credit card account?

Will my earnest money count toward my down payment?

Do I always get my earnest money back if I don’t purchase the home?

What other expenses will I have to incur in addition to what is on the closing cost estimates provided by my loan originator?

Credit Related Questions

What could I do on my credit that would jeopardize my loan approval?

Employment/Income Related Questions

What if I want to change jobs just before or during loan application?

My job is good through the closing date and 1 week after closing, I have a new job. Is that OK?

I haven’t filed my taxes for this year (or previous years). Can the lender use the last two years that I have filed?

I just filed today and the IRS can give me a printout that I filed. Will that be sufficient to close the loan.

Closing Related Questions

When I go to closing, how do I provide my funds?

Who attends the closing and how much time do I need?

I can’t attend the closing and I want to use a Power of Attorney (POA)?

What will the lender check the day of closing?

Reasons to Own

  • 1.

    Interest deduction

    Owning your own home will reduce the amount you pay annually in income tax in most cases. The rent that you pay is not tax deductible, but the interest and taxes you pay on a home you own is. Couple that with the fact that the cost to rent has been increasing, it may even be cheaper to own than rent.

  • 2.

    Equity growth

    On top of the tax benefits of home ownership, you will also be growing equity in the home that you own. Just like you invest in your 401k, investing into your own property is going to provide you with an asset that historically appreciates. Why would you want to continue paying off someone else’s mortgage with your rent payments?

  • 3.


    Are you tired of moving every couple of years because your landlord raises you rent or decides to sell the property you’re renting to someone who wants to live there? Let alone having to ask every time you want to do something to the property to make it more like home. Buy a place that is truly your home!

  • Uptown Mortgage

    Uptown Mortgage

    64 reviews
  • P D.

    P D.

    Jason Henkel was amazing. He helped us as first-time home buyers. He explained the process, advocated for us, gave us great advice, and helped  get our mortgage approved even with new, non-salaried jobs. We cannot recommend him highly enough!
  • Tom Z.

    Tom Z.

    Jason and his "team" including Vanessa, Nicole and others were wonderful to work with.  I was very impressed that the process was so smooth all the way through closing.  Uptown Mortgage invests much time and effort on the "front end" making sue that all documents are in completely prior to submitting to the lender.  The lender had absolutely nothing to add or ask for.  

    A Company and team I highly recommend.

    Tom Z.
  • Tim B.

    Tim B.

    Jason at Uptown Mortgage got us a great loan, even though unique challenges had to be overcome.  His communication, follow-through and knowledge were exceptional, which made for a smooth process and great  result.  I wouldn't hesitate to recommend him!
  • Sarah W.

    Sarah W.

    I worked with Lana and her team to close an investment cash out refi.  She picked up the phone after hours and answered all of my questions.  We rolled through the process so fast that I closed in 24 days from our first conversation.  I am out of state but it didn't matter, they took the time to walk me through each step of the process and everything was handled online.  This was the smoothest refi I've ever completed. Highly recommend!
  • Ed C.

    Ed C.

    All I can say about Uptown Mortgage is fantastic! To start I wanted to state that I have refinanced twice over the past 5 years.
    The first company I used was very unorganized, not considerate of our time and made my wife angry enough to the point where she removed herself from the process totally except where her signature was needed. We were constantly contacting them on the status after weeks of not hearing from them. The process took over 4 months and I was getting requests for the same info and documentation that I had already provided to them previously all the way up until the day of closing. There were dozens of faxes back and forth also. Not how I expected to be doing business in this day and age. Needless to say we did not use them this time.
    I did some research and found some very positive reviews on Uptown Mortgage so we decided to give them a try and we were not disappointed. Lana and her crew were on top of everything right from the start. We provided all of the info needed once. Our refi moved through each process quickly and easily. They were reaching out to us at least once a day letting us know where we were at and where we were going. Everything was arranged to be signed thru e-signature and they even sent a very nice lady out to our house to close the loan. We literally did not have to leave our house to do anything. The entire process took just over 3 weeks from start to finish. My wife now has faith that there are companies like Uptown Mortgage out there that know what they are doing. I cannot say enough good about Uptown and would recommend them to all of my family and friends as well as anyone else looking for a mortgage or refi. A huge thanks to Lana and her crew at Uptown Mortage!
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Uptown Mortgage - Your Denver Mortgage Company