A preferred lender for Up North @ Woods Crossing, Montrose CO
Home financing for Up North, explained before you commit.
Lindsay Roberts is one of two preferred lenders for the community. Pick whichever agent you are already working with below.
Same application either way. Starting it does not commit you to anything.
The questions buyers ask first
Homes at Up North are reserved now and built in phases, so the loan conversation starts earlier here than it would on a resale. Here is how that side works.
Will I even qualify for a home like this?
Most buyers at Up North will use an FHA, VA, or conventional loan. Peak Capital Mortgage LLC is a mortgage broker rather than a single lender, so if one lender's guidelines do not fit your file, Lindsay can move it to another one instead of starting the process over. USDA financing may also apply depending on the property address, and that is worth checking early rather than late.
My credit is not perfect. Is that the end of it?
Usually not. FHA and conventional loans both have room for buyers whose credit is not perfect, and manual underwriting is available for buyers with little or no credit history. What your credit costs you and what it disqualifies you from are two different questions. Most buyers only ask the first one.
I am self-employed or I work in the trades. Do my tax returns ruin this?
Not necessarily. Bank statement, 1099, profit-and-loss, and one-year self-employed programs exist for buyers whose returns do not show the whole picture. Bring two years of returns and the last two months of business statements and Lindsay can tell you quickly which door you are walking through.
How much do I need up front?
That depends on the program you use, and down payment assistance may be available depending on how you qualify. Ask before you decide you need to save for another two years.
What happens to my rate between reserving and closing?
Homes at Up North are built in phases, so there is real time between the day you reserve and the day you close. Rates move during that window. Ask about your lock options at the beginning rather than the week before closing, since that gap is already part of how new construction works.
What does a pre-qualification actually involve?
A conversation, a credit review, and a look at your income and savings. It takes about fifteen minutes to start and you can do it before you sign anything with anyone. You will come out of it knowing your price range, your likely program, and what to fix if something needs fixing.
Not everyone qualifies on the first call. That is fine. Homes at Up North are built in phases, which buys real time to fix a credit issue or build up savings, but only if you start early enough to use it.
Loan programs available at Up North
Peak Capital Mortgage LLC is a broker, which means Lindsay shops your file across a panel of wholesale lenders rather than fitting you into one company's guidelines.
Conventional
Manufactured homes eligible. Automated underwriting can add flexibility on credit history and on how much other debt you are carrying.
FHA
One of the more flexible programs on credit history. Manual underwriting is available when a file needs a closer look.
VA
No minimum score requirement. Joint loans allowed. IRRRL refinances for existing VA borrowers.
USDA
No minimum score, subject to USDA guidelines. Property address determines eligibility.
Down payment assistance
Available on qualifying files. Ask Lindsay which program fits before you assume you have to keep saving.
Self-employed and non-QM
Bank statement, 1099, profit-and-loss only, written verification of employment, asset depletion, and one-year self-employed options.
No credit score
Manual underwriting on conventional, FHA, VA, and USDA files for buyers with limited or no credit history.
Second mortgages and HELOCs
Standalone and piggyback options for buyers using equity from a home they already own.
Who you will be working with
Lindsay Roberts grew up in Olathe, a few miles from Montrose, and has spent twelve years working nearly every seat in the business: teller, new accounts, loan processor, and now senior loan officer. She reads a file the way an underwriter will, because she has been the person double-checking it from the other side of the desk.
A new employee looks different on paper than someone self-employed. A longtime local looks different than a buyer moving in from somewhere else. Lindsay works every file on its own terms.
Her clients call her honest, hardworking, and reliable. She measures a closing by whether the buyer actually understood every part of getting there.
Lindsay Roberts, NMLS 681547
970-345-3336
[email protected]
peakcapitalmortgage.com
Start when you are ready
Fifteen minutes now is worth more than a rushed week later.
Peak Capital Mortgage LLC, NMLS #2347925. Lindsay Roberts, NMLS #681547. Equal Housing Opportunity. Peak Capital Mortgage LLC is not affiliated with Highline Boutique Homes, Distinctive Design Build, LLC, or LIV Sotheby's International Realty. You are free to choose any lender to finance your home and are not required to use Peak Capital Mortgage LLC. Information about the Up North @ Woods Crossing community is provided by the developer and its listing brokerage and should be verified independently. This page is for informational purposes and is not an offer to lend or a commitment to make a loan. All loan programs are subject to credit approval, property approval, income and asset verification, and program guidelines, which may change without notice. Not all applicants will qualify and program availability varies.
About Us
Our success has been built on competitive rates designed to meet your unique financing goals while delivering exceptional customer service. At Peak Capital Mortgage LLC, we pride ourselves on treating every client with honesty and integrity.
Company NMLS: 2347925
Licensed in: AL, AZ, CO, FL, ID, KS, LA, MI, MS, MT, NM, SD, TX and WY
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This is not a commitment to lend. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice
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