Should I Refinance?
First Time Purchaser?
Self Employed?
Reverse Mortgage?
OR CALL
303-229-2684
NOW
Neil Funsch is a top mortgage broker in the the Denver area for first time home buyers, the self employed and for reverse mortgages.
Here's a map that will guide you through the mortgage process.
START YOUR JOURNEY WITH YOUR OWN CUSTOMIZED ROAD MAP,
CALL NEIL AT 303-229-2684, OR FILL OUT THE CONTACT FORM BELOW.
THE MORTGAGE PROCESS
The good news and the bad news for you!
First the good news about mortgages! Uncle Sam wants you to be a homeowner, because home ownership is good for America! Lenders want to lend you money to purchase a home because that’s what they do!
How can you take advantage of that? More good news! There are people out there who know what Uncle Sam and the lenders want to see in a buyer. It just so happens that I am one of those people and I would be happy to help you set yourself up for home ownership success.
More good news…there is no bad news.
LETS BEGIN YOUR MORTGAGE PROCESS
You want to decide when the time is right, but before then, you need to know the rules of the game and have a plan to reach your goal.
I’d be happy to help you get started, evaluate your situation, create the plan and make it hard for the lenders to say no.
Obtaining A Mortgage When You're Self Employed
It is possible to be approved for a mortgage solely on self employment income. If you can demonstrate sufficient, stable income and good credit to support the loan, a co-signer with a W-2 is not necessary. However, there are situations when a co-signer is useful in mortgage approval for the self-employed.
SERVICES
Whether you are buying your first home, your third or you are wanting to refinance, Neil Funsch, as a broker with the Mortgage Network, has a variety of loan options to meet your needs. The Mortgage Network enjoys long standing relationships with over 30 of the nation’s largest mortgage lenders, enabling Neil to find the best loan for your circumstance.
A reverse mortgage works by allowing homeowners age 62 and older to borrow from their home's equity without having to make monthly mortgage payments. As the borrower, you may choose to take funds in a lump sum, line of credit or via structured monthly payments. The Reverse Mortgage Program is overseen and insured by FHA, the Federal Housing Administration and is officially named the Home Equity Conversion Mortgage.
Neil helped us get a mortgage that fit our needs, and he worked with us on managing costs. He diligently helped us stay on top of the process so that we could lock in right before rates increased, and then was flexible as our closing date changed due to factors outside our control. Besides taking care of all the details and making the process painless, he's just a fun person to work with!
Happy People
Kathleen Sgamma
Denver Colorado
Neil recently helped my wife and I get a new house and he did an amazing job. I was just starting a new small business, so I didn't have much to show on my tax returns. He was able to help us figure out how to get the mortgage approved and worked non-stop until we had all the documents needed to help us close the loan. Thanks to Neil, we are now living in the house of our dreams! I highly recommend Neil.
Matt Pokorny, DPT
Golden Colorado
I have worked with Neil in my real estate business by utilizing his services as a mortgage lender. His attention to detail, knowledge, and determination to do things right and get them done on time were very impressive and I am sure would serve him will in whatever position or career in which he would work. I would wholeheartedly recommend him as a friendly, polished professional who would go the extra mile to make sure everything is accomplished to everyone's satisfaction.
Gary Manes
Golden Colorado
Neil helped me get financing to purchase my first investment property. It was easy and stressless because of all the work he did in the background on my behalf. I've had the property for a few years , and recently he suggested to refinancing to take advantage of the recent low interest rates. Neil walked the "refinance" maze of paperwork and got me thru the process in a timely manner. (It was so easy, refinanced my personal residence as well.)
Neil recently helped us with the refinance of our home, and we could not have asked for a better experience. His knowledge - and his patience! - seem limitless. If you've gone through this procedure recently, you know of the mounds of data you need to collect...and Neil is most thorough in requesting files, and putting everything in order. Kudos to you!
We had some challenging aspects to our the refinance of our home, but Neil was extremely persistent and found us an option that worked. He was encouraging along the way -- complimenting our good points often! -- and making sure that we got an excellent rate that provided the results we needed!
Rhonda Redgate
Denver Colorado
Joy Lawrance
Golden Colorado
Leslie Baer
Denver Colorado