If we don’t answer the phone, most likely we are temporarily

out and we will return your call!

 

WE HAVE MONEY!

Refinance Now

Low Fixed Rates and Free Locks

            

 

 

As licensed mortgage brokers we are able to “shop”

national and local lenders not only for the best rates,

but for the best programs that “fit” your needs!

                                 We offer:              

                                                      Primary Home

                                                      Second Home

                                                      Investment

                                                      Home Equity-Line-of-Credit

                                                      Second Mortgage

                                                      Bridge Loan

                                                      Fractional Ownership

                                                       Land

.

FOR CURRENT RATES, FREE PRE-QUALICATION, or  LOAN INFORMATION PLEASE E-MAIL OR CALL:
Text Box: Items that will expedite your pre-qualification and may be required for loan approval: 1. Last 2 months or last quarter’s banks statements all pages 2. Last 2 years Federal W2s 3. If Self-employed last 2 years Federal Tax Returns 4. If Self-employed a current Profit & Loss Statement 5. Current Pay Stub 6. Driver’s License, Passport, or Residence Alien Card Be prepared and ask questions! Give accurate and detailed information! Take notes and keep your copies! A thorough application enables the broker to obtain a valid and reliable loan approval that does not have unpleasant closing surprises! Do not be in a hurry! Applications usually take at least one hour. Text Box: If you have an idea or have chosen a property then you want to know if: Stick built? Modular or HUD unit? Deed Restricted? Condominiums— Front desk at the project? Maid service? Rental pool—mandatory or not? Are units rented nightly or weekly? Number of units in project? Number of rented units? Name and telephone number for the management company?

 

Advice on locking your loan:

 

Rates are the most volatile since the 1938.

 

Rates can move up or down quickly!

 

If you do lock you have “piece of mind” that your payment is set.

 

If you float your rate then you are gambling and it is like going to Vegas!

You can win or you may lose!

 

 

Rates can change instantaneously based on a national or world event!

 

 

 

                       

                          

                                             Steven A. Sheppard                            Mary K. Bochain

                                                                Tel. 970.926-8831                                                       Tel. 970.845-8889

                                                                Toll-Free 888.597-5762                                                marybochain@gmail.com

                                                                   steven.sheppard@comcast.net

                                  

 

Eagle River Mortgage Inc.

PO Box 305

Edwards, CO  81632

 

Established 1996

 

 

 

When comparing lenders DEMAND a Good Faith Estimate

The Good Faith Estimate is a REQUIRED Disclosure

Compare all fees and inquire if there is a PRE-PAYMENT Penalty

Don’t be fooled by  a monthly payment  due to underestimating your real estate taxes and home-owners insurance

 

IF REFINANCING YOUR PRIMARY RESIDENCE YOU HAVE 3 DAYS TO CANCEL AFTER YOU SIGN

IF THE TERMS ARE NOT WHAT YOU ANTICIPATED, CANCEL, AND CALL ANOTHER LENDER

 

 

Broker versus Bank:

 

Our loan officers are Colorado State Licensed

 

We Have Multiple Investors versus a bank
that may only have one source and one underwriter

 

 
Text Box: EAGLE RIVER MORTGAGE INC. Serving Colorado and the Vail Valley Since 1996

OUR SECURITY SYSTEM

OFFICE

WINTER

    

     MORTGAGE NEWS

 

US GOVERNMENT INTERVENTION IS RETURNING STABLILTY TO THE MORTGAGE CREDIT MARKETS