About Our Keys On Time Program

Close Lighting Fast ○ 24-Day Close ○ Full Loan Approval ○ Conventional/FHA/VA

Welcome to the 24-day close with your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market.

About Our Earnest Money Guarantee Program

Protect your Earnest Money up to $10,000

Securing your earnest money gives you peace of mind in today’s uncertain mortgage world. When you work with 1st Colorado Mortgage Solutions, you have the security of not only working with some of the best loan officers, but also knowing your earnest money is protected.

About our +Plus Program

Protect Your Down Payment ○ Protect Your Home Equity

This down payment protection plan is just the program for you! +Plus protects the home owners from risk of loss if the value of the house goes down when it is time to sell. Best of all, its included in the mortgage, so no out-of-pocket costs!

Loan Process

Find out how much you can borrow

The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.


Select the right loan program

Home loans come in many shapes and sizes. Deciding which loan makes the most sense for your financial situation and goals means understanding the benefits of each. Whether you are buying a home or refinancing, there are 2 basic types of home loans. Each has different reasons you’d choose them.

Take the first step

Apply Online

Complete Secure Application: Takes about 10 minutes to complete and is required for “Pre-Approval”. (Recommended)

Short Application: Takes 2-5 minutes to complete. You will be contacted once your application is submitted.


Begin loan processing

Although lenders conform to standards set by government agencies, loan approval guidelines vary depending on the terms of each loan. In general, approval is based on two factors: your ability and willingness to repay the loan and the value of the property.


Close your loan

After your loan is approved, you are ready to sign the final loan documents. You must review the documents prior to signing and make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate. The signing normally takes place in front of a notary public.

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Questions about our loan process?

Contact 1st Colorado Mortgage Solutions today and we can help answer any questions or concerns you may have!

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Our Approach

We are focused on creating lifelong relationships and understand that our future depends on the loyalty and satisfaction of our clients. Therefore we offer unmatched service and two decades of experience to help you create a plan for success.
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Our Loan Process is Transparent, Fair, And Simple