NMHL Mortgage Lending
Mortgage Lender in Lakewood, CO
Local expertise and competitive rates for Lakewood homebuyers.
Lakewood, Colorado, offers a unique blend of suburban charm and urban convenience, making it an attractive location for homebuyers. With a median home price of $500,000, the Lakewood housing market is competitive, but National Mortgage Home Loans (NMHL) is here to help you navigate the process. As a trusted mortgage lender serving 29 US states, including Colorado, NMHL specializes in helping underserved borrowers, including those with bad credit, self-employed individuals, and first-time homebuyers.
The city's strategic location between Denver and the foothills provides residents with easy access to outdoor recreation and urban amenities. The revitalized Belmar district is a hub of activity, with walkable shopping and dining options. Whether you're a commuter, outdoor enthusiast, or simply looking for a great place to call home, Lakewood has something to offer.
At NMHL, we understand the challenges of securing a mortgage in today's market. That's why we offer a range of programs designed to help Lakewood borrowers achieve their homeownership goals. From down payment assistance to credit rebuilding, our experienced loan officers are here to guide you every step of the way. Take the first step toward homeownership in Lakewood by applying for pre-approval today.
Lakewood Housing Market Overview
Lakewood sits between Denver and the foothills, offering quick mountain access with urban convenience. The revitalized Belmar area provides walkable shopping and dining, while the city's location makes it ideal for outdoor enthusiasts who also work in the Denver metro.
Lakewood Neighborhoods
Popular areas for homebuyers in Lakewood, CO
ZIP Codes We Serve in Lakewood
Mortgage lending available in these Lakewood ZIP codes
See What You Qualify For
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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 Lakewood
Explore mortgage options tailored to Lakewood 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 Lakewood's Housing Market
Lakewood's housing market is characterized by a mix of older and newer homes, with a median home price of $500,000. The city's proximity to Denver and the foothills makes it an attractive location for commuters and outdoor enthusiasts alike. According to recent data, Lakewood's housing market is experiencing steady growth, with a low inventory of available homes. This has led to a competitive market, with multiple offers on many properties.
The Belmar district is a hub of activity, with a range of housing options, from condos to single-family homes. Other popular neighborhoods include Green Mountain, Bear Creek, and Lakewood Estates. When searching for a home in Lakewood, it's essential to consider factors like commute time, local schools, and access to amenities.
Get pre-approved today and stay ahead in Lakewood's competitive housing market.
Mortgage Options for Lakewood Borrowers
At NMHL, we offer a range of mortgage options to suit the needs of Lakewood borrowers. Our programs include conventional loans, FHA loans, VA loans, and more. We also offer specialized loan programs for first-time homebuyers, veterans, and low-to-moderate income borrowers.
- Conventional loans with competitive interest rates and terms
- FHA loans with lower down payment requirements
- VA loans for eligible veterans and service members
Our experienced loan officers can help you determine the best mortgage option for your situation and guide you through the application process.
Take the first step toward homeownership in Lakewood with NMHL's pre-approval process.
Down Payment Assistance in Lakewood
NMHL offers down payment assistance programs to help Lakewood borrowers cover the upfront costs of purchasing a home. Our programs include grants and matching funds to help with down payment and closing costs.
Eligible borrowers can receive up to 3.5% of the purchase price in down payment assistance. Our loan officers can help you determine which programs you're eligible for and guide you through the application process.
Don't let down payment costs hold you back from achieving your homeownership goals in Lakewood.
First-Time Homebuyer Programs in Colorado
Colorado offers a range of programs to help first-time homebuyers achieve their goals. NMHL is here to help you navigate these programs and find the best mortgage option for your situation.
The Colorado Housing and Finance Authority (CHFA) offers a range of programs, including down payment assistance and tax credits. Our loan officers are knowledgeable about these programs and can help you determine which ones you're eligible for.
Take advantage of Colorado's first-time homebuyer programs with NMHL's expert guidance.
Lakewood's Neighborhoods and Amenities
Lakewood's neighborhoods offer a unique blend of suburban charm and urban convenience. From the revitalized Belmar district to the natural beauty of Green Mountain, there's something for everyone in Lakewood.
- Belmar: Urban amenities, walkable shopping, and dining
- Green Mountain: Suburban feel, outdoor recreation, and natural beauty
- Bear Creek: Family-friendly atmosphere, parks, and trails
When searching for a home in Lakewood, consider the local amenities and how they fit your lifestyle.
Find your perfect home in Lakewood's diverse neighborhoods with NMHL's expert guidance.
Frequently Asked Questions
The average property tax rate in Lakewood is 0.53%. This rate is relatively low compared to other areas in Colorado. However, it's essential to factor property taxes into your overall housing costs when considering a home purchase in Lakewood.
NMHL offers mortgage options for borrowers with less-than-perfect credit. To qualify, you'll need to meet our minimum credit score requirements, which vary depending on the loan program. We also consider other factors, such as income, debt-to-income ratio, and employment history. Our experienced loan officers can help you determine the best course of action for your situation.
Some of the most sought-after neighborhoods in Lakewood include Belmar, Green Mountain, and Bear Creek. These areas offer a mix of housing options, from single-family homes to condos and townhomes. Belmar is known for its urban amenities, while Green Mountain and Bear Creek offer a more suburban feel with easy access to outdoor recreation.
Yes, NMHL offers down payment assistance programs to help Lakewood borrowers cover the upfront costs of purchasing a home. Our programs include options for first-time homebuyers, veterans, and low-to-moderate income borrowers. We can help you determine which programs you're eligible for and guide you through the application process.
Lakewood is served by the Jefferson County Public Schools district, which is known for its strong schools and programs. Homes located in highly-rated school districts tend to hold their value better and appreciate more over time. When searching for a home in Lakewood, it's essential to consider the local schools and their impact on property values.
NMHL offers mortgage options specifically designed for self-employed borrowers. We understand that self-employed individuals may have unique financial situations, and we're here to help. Our loan programs consider alternative forms of income verification, and we can help you navigate the application process.
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Let NMHL help you navigate the Lakewood housing market with expert guidance and competitive rates.