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Mortgage Home Purchase

Need financing options on a home, or another real estate project? It can be difficult finding the best rate and terms to meet your goals.

We can help!

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way. 

We’ll help you clearly see the differences between loan programs, allowing you to choose the right one for you whether you’re a first-time homebuyer or a seasoned investor.

Purchase Loan Types:

  • Self-Employed
  • Conventional
  • High-Balance
  • FHA Loans
  • VA Loans
  • Asset Depletion

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

Home Purchase Process

  • Complete your application.
  • Receive expert loan options for your unique scenario.
  • Compare rates and terms to fit your goals.
  • Choose your best option.
Apply Now

Loan Types

  • Fixed Rates
  • Adjustable-Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo and Super Jumbo Loans
  • FHA, VA, USDA Loans
  • Terms from 5 to 30 Years
Pine Creek Financial Group

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  • 9:00 am - 6:00 pm
  • Saturday
  • by Appointment
  • Sunday- CLOSED

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Terms and Conditions Apply. PINE CREEK FINANCIAL GROUP LLC RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Qualifying borrowers must be a U.S. Citizen or permanent resident and meet state eligibility requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for most creditworthy applicants; not all who apply will qualify. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Licensed by the Colorado Division of Real Estate. Pine Creek Financial Group LLC is Regulated by the Department of Real Estate NMLS # 1593223. (www.nmlsconsumeraccess.org)  Determining the lowest rates and best terms requires a mortgage advisor. 

Please contact one of our Licensed Mortgage advisors at (719) 622-6275 for a customized rate and payment quote.