Welcome To Consumer Mortgage Services, Inc.

 At Consumer Mortgage Services, Inc., We are members of the Better Business Bureau and have maintained an A + rating for the past 30 + years. We work personally with you from the initial loan application and throughout your loan process. We attend your loan closing which aids in a smooth and seamless loan closing. Your FUNDS are at the table with no funding conditions. Should you have any questions after your closing, we are here for you. We are a Colorado mortgage brokerage company. You will NOT get lost in the shuffle of a 1-800- LENDER/BROKER who may not be familiar with the Colorado real estate market and it's lending requirements.

              ***Whether you don't have a credit score, have had a prior foreclosure, or have had a prior bankruptcy, we may have a loan program that can fit your needs. We use both F.I.C.O. and Vantage Score 4.0 to obtain the very lowest interest rate available. If you are self-employed, we are very well versed in using self-employed income to get you qualified***. MINIMUM credit score requirements have been eliminated for Fannie Mae, FHA and VA loan products that do not require mortgage insurance. 

                                                               Down payment assistance programs are available **Restrictions Apply**

     ***TEMPORARY BUYDOWNS ARE AVAILABLE*** A 1 year or 2 year buydown can assist you in a lower monthly payment for the the first TWO years***                         

             **We have various conventional and non conforming loan programs for rental purchases, 2nd home (vacation home) and multi-unit buyers. **

           **Worried about your credit card interest rates going up, or your Home Equity Line of Credit rate going up because of the RECENT Federal Reserve rate increase, a FIXED RATE Home Equity Loan to consolidate credit card balances, or paying off high rate student loans or paying off signature loans can be an ideal way to improve your monthly disposable income. FIXED rate home equity loans are available for 2nd home and rental properties.**

                                       **Up to 90% cash out FIRST mortgage refinances on a primary residence with NO mortgage insurance can also assist you in                                                                      consolidating credit cards, student loans, variable home equity lines and signature loans**  

            Being approved with multiple lenders allows us to obtain a loan program that may fit most borrowers' requests. If you are needing a specific term for your mortgage, we offer CUSTOM terms from 8-30 years. We offer custom rate locks from 8-90 days. We also offer EXACT rates for all mortgage programs. An Exact rate lock will have a lower rate than your typical 45 day rate lock.