New Program For Those Looking To Purchase A Home
0%, 1%, 2% or 3% down....which do you qualify for?
20
YEARS OF EXPERIENCE
95%
LOAN APPLPICATIONS APPROVED
98%
CUSTOMER SATISFACTION
$1B
CLOSED LOAN VOLUME
Here's A Brief Outline Of What We'll Cover In Our Call
DO YOU QUALIFY FOR 0% DOWN? - We will check to see if you can unlock your dream home with our 0% down payment mortgage option, designed to make homeownership more accessible without the burden of an upfront down payment. Schedule a call with us to discuss your eligibility, explore personalized mortgage options, and receive expert guidance through the application process.
How to Lock In A Mortgage Rate That Is Unbelievably LOW -
We’ll monitor interest rate trends together and decide on the best time to lock in your rate. This ensures you get the best available rate, even if market conditions change. Locking in a low rate protects you from rate increases during the mortgage approval process.
3 Loan Structuring Strategies We Use To Squeeze Out Every Dollar -
We’ll explore 3 different loan structuring options, such as shorter loan terms or higher down payments, to find the best fit for your financial situation. Structuring your loan effectively can lead to lower interest rates and better overall loan conditions.
2 Reasons WHY You Should Never Get A Mortgage On Your Own -We’ll leverage our extensive network of over 200 lenders to shop around and find you the most competitive rates and terms. By comparing multiple offers, we increase your chances of securing the best possible mortgage deal AND we’ll use our expertise to negotiate with lenders on your behalf to reduce or eliminate fees and secure more favorable loan terms. Effective negotiation can result in significant cost savings, including lower interest rates and improved loan terms.
Our goal at Journey Home Loans is to make the mortgage process as easy, transparent, and as beneficial for you as possible. Let’s get started on securing the best mortgage or loan for you now!
FAQs
What types of mortgages are available, and which one is best for my situation?
There are several mortgage types, including fixed-rate, adjustable-rate (ARM), FHA, VA, and USDA loans. The best mortgage for you depends on your financial goals, credit score, down payment, and how long you plan to stay in the home. We will analyze your specific needs and recommend the best option to suit your financial situation and future plans.
What documents and information do I need to apply for a mortgage?
To apply for a mortgage, you'll need to provide proof of income (pay stubs, tax returns), credit history, bank statements, and information about your assets and debts. Additionally, you'll need identification and details about the property you're purchasing. Our team will give you a detailed checklist and assist you in gathering all necessary documents to streamline the application process.
How can I improve my credit score to get a better mortgage rate?
Improving your credit score involves paying down debts, making timely payments, disputing any errors on your credit report, and avoiding new credit inquiries. We recommend checking your credit score several months before applying for a mortgage to give yourself time to make improvements. Our advisors can provide specific strategies tailored to your financial situation to help boost your credit score and secure a better rate.
What Our Customers Say About Us!
Frank H.
⭐⭐⭐⭐⭐
Intermediate Homebuyer
“My wife and I, as out-of-state buyers, are incredibly grateful to Danny O'Brien and Journey Home Loans for their exceptional assistance in purchasing our new home in Colorado Springs. Introduced by my cousin, who had a positive experience with him in the past, Danny made the entire process stress-free. From exploring loan options to understanding rates, his guidance was invaluable, alleviating our initial concerns about managing the purchase from a distance.”
Stephanie B.
⭐⭐⭐⭐⭐
Mortgage - Home Owner
“The loan process itself was streamlined and user-friendly, allowing us to complete everything remotely. Danny's one-on-one communication was exceptional, with quick responses to our questions and consistent follow-ups throughout the journey. Based on our positive experience, we wholeheartedly recommend Journey Home Loans for anyone navigating the home-buying process. Danny's expertise and dedication truly made a significant difference in our home purchase."
Kyradiah
⭐⭐⭐⭐⭐
Re-Finance
"I still can't believe that I have experienced the most easiest, friendliest, professionally, and non judgmental mortgage refinance. And I have had some very bad mortgage experiences from the moment I called my now previous mortgage holder. For someone like myself with just a Fair Credit Score, Danny did an awesome, easy and quick home refinance approval without any hard issues.. They didn't automatically disqualify me or put me on the back burner, or last on the service list. They treated me like I had the best credit ever. As long as you respond to their request promptly, everything will flow through easily.
Like I said, it just seemed too good to be True!!! But this was my True real exceptionally great experience with Danny. I strongly wanna tell the World how Real and Fabulous he is. I didn't have to leave my home for anything. Thank you ever so very much."
Office:
55 Saber Creek Drive Monument, CO 80132
Call
719-651-3951
Email:
[email protected]
Site: www.journeyhome.loans