NMHL Mortgage Lending
Mortgage Lender in Commerce City, CO
Local expertise and competitive rates for Commerce City homebuyers.
Commerce City Housing Market Overview
Explore mortgage options in Commerce City, CO with NMHL. Our local expertise helps you navigate the Commerce City real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Commerce City
Explore mortgage options tailored to Commerce City homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding Commerce City's Housing Market
The Commerce City housing market is experiencing steady growth, driven by its proximity to Denver and the surrounding employment opportunities. The median home price is around $430,000, with a range of housing options available, from single-family homes to condominiums and townhouses. NMHL's local expertise can help you navigate the Commerce City real estate market and find the best mortgage options for your new home.
Some of the most popular neighborhoods in Commerce City include:
- Dick's Sporting Goods Park area
- Henderson Opportunity Area
- Commerce City Historic District
- Rose Hill area
Our mortgage specialists are familiar with these neighborhoods and can provide guidance on the local market conditions, property values, and community amenities.
Get pre-approved for your Commerce City home loan today with NMHL.
Mortgage Options for Commerce City Borrowers
At NMHL, we offer a range of mortgage options to suit the diverse needs of Commerce City borrowers. Our loan programs include:
- FHA loans with down payments as low as 3.5%
- VA loans for eligible veterans and service members
- Conventional loans with competitive interest rates
- Jumbo loans for higher-priced homes
- Specialty loans for self-employed borrowers and those with non-traditional income
Our mortgage specialists can help you determine the best loan option for your situation and guide you through the pre-approval process.
Contact NMHL today to schedule a consultation and get pre-approved for your Commerce City home loan.
Property Taxes and Insurance in Commerce City
As a homeowner in Commerce City, you'll be responsible for paying property taxes and insurance. Property taxes are calculated based on the assessed value of your home, and the average effective property tax rate in Commerce City is 0.73%. Insurance premiums will vary depending on the location, value, and condition of your home. NMHL can help you understand how property taxes and insurance will impact your mortgage payments and overall cost of homeownership.
NMHL can help you factor property taxes and insurance into your mortgage payments.
School Districts and Home Values in Commerce City
Commerce City is served by several school districts, including Adams 14 and School District 27J. The quality of local schools can impact home values, with homes in highly-rated school districts tend to command higher prices. NMHL's local expertise can help you understand how school districts may impact your home purchase and mortgage options.
Consider the impact of school districts on your home purchase with NMHL's guidance.
First-Time Homebuyer Programs in Colorado
NMHL participates in several first-time homebuyer programs, including the Colorado Housing and Finance Authority (CHFA) program. These programs provide down payment assistance, competitive interest rates, and other benefits to help first-time buyers achieve their homeownership goals. Our mortgage specialists can help you determine the best program for your situation and guide you through the application process.
Get started with NMHL's first-time homebuyer programs today.
Frequently Asked Questions
Mortgage rates in Commerce City vary depending on the loan program and your credit profile. At NMHL, we offer competitive rates starting at 6.5% APR for conventional loans and 5.5% APR for FHA loans. Our mortgage specialists can provide a personalized rate quote based on your individual circumstances. Contact us today to schedule a consultation and get pre-approved for your Commerce City home loan.
NMHL offers several mortgage options for first-time homebuyers in Commerce City, including FHA loans with down payments as low as 3.5%. We also participate in the Colorado Housing and Finance Authority (CHFA) program, which provides down payment assistance and competitive interest rates. Our mortgage specialists can help you determine the best loan option for your situation and guide you through the pre-approval process.
Commerce City property taxes are calculated based on the assessed value of your home, which is typically around 7.15% of the actual value. The average effective property tax rate in Commerce City is 0.73%. As a homeowner, you'll be responsible for paying property taxes, which can be included in your monthly mortgage payment or paid separately. NMHL can help you understand how property taxes will impact your mortgage payments and overall cost of homeownership.
Some of the most popular neighborhoods in Commerce City include the Dick's Sporting Goods Park area, known for its outdoor recreational opportunities, and the Henderson Opportunity Area, which offers a mix of residential and commercial development. Other notable neighborhoods include the Commerce City Historic District and the Rose Hill area. NMHL's local expertise can help you navigate these neighborhoods and find the best mortgage options for your new home.
Yes, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our subprime loan programs can help you qualify for a mortgage even with a credit score as low as 580. We also offer credit counseling and repair services to help you improve your credit score and qualify for better loan terms. Contact us today to discuss your mortgage options and get pre-approved for your Commerce City home loan.
NMHL participates in several down payment assistance programs, including the Colorado Down Payment Assistance Program, which provides up to $15,000 in assistance. We also offer our own Down Payment Assistance Program, which can provide up to 4% of the loan amount. Our mortgage specialists can help you determine the best down payment assistance program for your situation and guide you through the application process.
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Ready to Buy in Commerce City?
Let NMHL help you navigate the Commerce City housing market with expert guidance and competitive rates.