You Know the Drill

You’ve done it before, let us help you do it again. We’ll guide you through the process and get you into the right loan for your situation. Here are some ways we can help you build your real estate portfolio.

New Primary Home

We can help you develop a strategy for buying a new home and selling or keeping your current home.

Second or Vacation Home

We’ll help figure out your down payment and financing options for a second home in the mountains or wherever your dreams take you.

Investment or Rental Property

We’ll find the right loan options that maximize your cash flow and your equity positions.

Let’s get the disc flying.

Get pre-approved for your next home.

Why Choose the Ultimate Lending Team?

If you’re looking to refinance your mortgage, we have the resources, products, and assurances to make it happen. We are a team of open, honest, and empathetic individuals invested in your success.

Exceptional Service

To successfully refinance your home, you need a team you can trust. We are honored to be the trusted lending expert for thousands of our clients.

Competitive Rates

We are constantly finding the lowest rates around and assuring that you can get the best loans. The Ultimate Lending Team is on your side!

Variety of Loan Options

You can get a better interest rate and pay less in interest overall by shortening your mortgage term to a 10, 15, 20, or 25-year fixed.

Client Reviews

Andrew is just the best person to work with! He is creative, friendly and unbelievably prompt! He always has time for our many questions and went above and beyond to... Read More Read Less

Oliver G
12/01/2021

The team at Ultimate lending has now helped me with two mortgages and both were incredibly smooth (even with complex finances and multiple party mortgages). Both my loans closed on... Read More Read Less

Lauren F.
3/11/2019

Very helpful, informative, and friendly. Great group to work with!

Michael Z.
11/08/2019
Jim provides first class service, every time. I have worked with him on numerous transactions over the last few years and as a Realtor, it is extremely comforting to know... Read More Read Less

Simon J.
2/07/2014

Jim was absolutely outstanding from start to finish. He and his team stayed on top of our transaction, had clear and effective communication and were flexible throughout the process. I... Read More Read Less

Jen J.
4/29/2019

Helpful and responsive team that supported us during the home search as well as the purchase. The quick-close was our differentiator that made our offer stand out!!

Brian J
8/02/2021

Home Buyer FAQs

What’s the first step I should take in buying a home?

Your first move is to get pre-approved for a loan. After you’ve been pre-approved, you can know more specifically the price of the home that you can afford.

What is the difference between pre-qualifying and pre-approval?

A pre-qualification is an estimate of what you may be able to borrow. This is a fast way to get a look into the price range for your home. Pre-approval means a financial institution has partnered to work with you and has reviewed your finances arming you with more leverage when making an offer.

Why is a pre-approval so important?

A pre-approval is the lender’s written commitment to finance your home purchase up to a specific amount. Getting pre-approved is a smart idea for the serious home buyer. Real estate agents and sellers of homes want to make sure you are a bona fide buyer. With a pre-approval letter in hand, they will not have to wonder if they are wasting their time with you. You have the clout of a buyer ready to make a valid offer right now!

How much money do I need for a down payment?

The good news is you no longer need 20% for a down payment! There are different loan options, but the average down payment is now 3% to 5%. You also don’t have to put any money down if you, or the property you’re purchasing, qualifies for a VA or USDA loan. Learn more about the different types of loans Ultimate Lending Team offers.

What is mortgage insurance?

Mortgage insurance compensates a lender for losses in the event of a default on a mortgage loan. In other words, if a borrower falls behind on obligations, mortgage insurance covers the lender. PMI is generally required for mortgage loans for those who cannot generate at least a 20 percent down payment for the conventional loan, however there may be options available to you that we can tell you about!

What is an escrow?

An escrow is used to fund insurance, property taxes, and homeowner’s association dues. This is managed by a third-party, done through your mortgage payments. It tends to prevent late fees, coverage delays, or liens on your home.

When can I back out if I change my mind?

You can always walk away from a deal, but in some cases you might have to give up your earnest money. This normally amounts to about 1%-2% of the price of the house.

How quickly can I close on a mortgage?

The Ultimate Lending Team is built for speed. You can close on your new loan in as soon as 2 weeks.

Loans Offered

Conventional Mortgages

Keep a low rate from the beginning of your mortgage to the very end! We will help you find the lowest rates possible at a term that makes sense for you.

Jumbo Mortgages

Looking to buy high-value or luxury real estate? Our jumbo mortgages have low rates for higher valued homes.

FHA Loans

Down payment got you down? Don’t worry! We provide FHA loans with down payments as low as 3.5%.

VA Loans

We offer $0 down mortgage options available to veterans, service members, and select military spouses.

Investment Properties

We have home loan experts who specialize in investment property mortgages to get you earning a return on the investment ASAP.

Additional Options

We have loans for virtually any situation. Adjustable-rate or interest only mortgages and cash-out refinances. Contact us to see what is best for you!