Welcome To Consumer Mortgage Services, Inc.

 At Consumer Mortgage Services, Inc., We are current 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. 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***. 

                                                               We may be able to assist you with your down payment. **Restrictions Apply**

                      ***TEMPORARY BUYDOWNS ARE AVAILABLE ON MOST PRODUCTS. Current special of a 1 year lender paid temporary buydown are available                                                                                                                                   AT NO COST TO YOU***

                                                       **We have some of the lowest mortgage insurance premiums (over 80% loan to value) in the industry. **

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

           ** We have several FIXED RATE Second Mortgages and Home Equity Lines of Credit to 90% of the value of your home**. These loan PRODUCTS                                       can be ideal for eliminating higher rate credit cards, auto loans and student loans. Planning a home renovation? A fixed rate 2nd or                                                            Home Equity Line of Credit mortgage may be an ideal way to finance your improvment project.  

                                                           ****Home Equity Loans/Lines available on investment PROPERTIES and 2nd homes*****

                                              Up to 90% cash out FIRST mortgage refinances on a primary residence with NO mortgage insurance.   

                          **The 2026 Conventional Loan limit is $832,750 for a one unit property. Increased loan limits are also available for 2-4 units properties**

            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.