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.
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.
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?
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!
Lana Jern, Nicole Reed and the team are top notch professionals who get the job done right the first time.
They take an intrinsic interest in their customers and it shows. They take the time to explain the sometimes complex nature of buying a house in today’s market and walk you through each step.
Best mortgage brokers in Denver.
– Peter S.
I have always received great service and personal attention from Uptown Mortgage. I highly recommend them.
– Cory C.
Jason was so professional and responsive the whole way through. I got a great price at the rate and terms I was looking for. There is a good reason for all the great reviews of these guys.
– Jenny M
If I could give 10 stars I would! Lana is absolutely perfect to deal with, communication is great and the information and service is gold standard! Every company should be like that.
– G M.
Amazing… Lana knows exactly what she is doing, I had a quick closing and it went off without any issues. She did great dealing with all my emails and calls as I was freaking out because it was going so well, I kept thinking something was going to happen and it never did. So happy I called her after reading the yelp reviews.
– Kim A
Jason Kaufmann worked very hard on our file, and as a result of his diligence and creative thinking we are now in the house of our dreams. I would definitely recommend him and Uptown to anyone looking for a loan.
– Steve B.
We have done refi’s and one original purchase with Jason Henkel. All three transactions have been extremely smooth and fast. Jason was able to get us closed on our new purchase within 3 weeks!
– Ryan E.
We worked with Jason on our VA loan. He helped us get a great rate and was very responsive to all of our questions. We were not using a buyers agent in our transaction, so we had more questions than normal and he was patient and provided clear explanations throughout the process. Thanks Jason!
– Erin W.
I have had an opportunity to work with Uptown Mortgage on a number of occasions and I can say that they are GREAT.
I would recommend them to anyone and everyone!
– Jared U.
Uptown mortgage is the best!!! They explain everything to you so you can understand the loan and they always looking out for YOUR best interest. They work really fast to get your loan locked at the best possible rate. As busy as they are they still treat you like you are the best customer they have ever had. Lana knows about all the loan options and makes the process easy for you. The best part was Lana was at the closing in case something came up and to explain things.
– Blake K.