All-In-One Service, Engineered Exclusively for Frisbee Players
Powered by the Ultimate Lending Team
Your Ultimate Home Buying Resource
Browsing Zillow and wondering if it is a good time to buy or what you can afford? Ready to start looking at homes but don’t have a realtor you can trust? Overwhelmed with the home buying process and don’t know where to turn?
Built Exclusively for Frisbee Players
REAL ESTATE | MORTGAGE | TITLE | INSPECTION | INSURANCE | FINANCIAL & TAX SERVICES
Trustworthy Realtors and Expert Home Analysis
- Agents that support you while you surf listings, even if you don't decide to buy
- Realtor network across Colorado - full service, discount, and a la carte options
- Home value analysis to ensure you’re making the best financial decisions
- Market trends so that you can make sure you’re buying at the right time
Mortgage Solutions for Every Situation
- Access to nationwide mortgage products to get you the lowest rate
- Low fees (Did you know fees are negotiable and we negotiate for you?)
- All types of loan programs
- Down payment assistance
- First home, second home, last home, vacation home, investment, refinance
Affordable Title Services
- Low fees
- Clean title
- Quick closings
- Mobile notary service
Trustworthy Inspection Experts
- List of trusted reputable home inspectors
- Fair price (you don’t want to scrimp on this)
- Inspection for YOU (not the agents)
Affordable Home Insurance Resources
- Home insurance made easy
- Trusted insurance brokers
- Affordable bundled policies
Financial Planning and Tax Prep Services
- Financial planner referrals
- CPA services available
- Custom wealth plans built for you, at the time of mortgage (which is critical!)
Proud Sponsor of...
Why Choose the Ultimate Lending Team?
If you’re looking to buy a home, we have the resources, products, and guarantees to make it happen.
Exceptional Service
To successfully close on the home of your dreams, you need a team you can trust. We are honored to be the trusted lending expert for thousands of our clients.
On Time Closings
You shouldn’t have to worry about your mortgage holding up the purchase. Rest assured the Ultimate Lending Team will get you over the goal line.
Lowest Rates and Fees
We shop for the lowest rates nationwide and also negotiate fees to save you money on closing costs.
Client Reviews
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Jim and his team made buying our first home out of state such an easy and memorable experience. Life has been amazing here in Oregon and an adventure we'll always... Read More
Daniel D.2/09/2019It was a really easy process. Jim, Amy and Lisa were all absolute professionals and it was really pleasant to work with each of them. I felt really supported in... Read More
Rena K11/03/2021Quick communication and availability to advise me on things; Jim gave a great explanation and breakdown of costs initially which was super useful and informative. Also getting everything wrapped up... Read More
Giles E9/28/2021 -
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
Lauren Foster
3/11/2019Jim and his team were so helpful and responsive through my home buying process. As a first time buyer, I had no idea what I was doing, but Jim helped... Read More
Rachel Johnson
4/09/2019I was able to work with Jim Nolte and Nate Hopp last summer while buying my first house. They were incredibly helpful, both in their knowledge of the real estate... Read More
Zach Radcliff
3/15/2019
HomeFORCE FAQs
Jim has been playing Ultimate Frisbee and helping teammates get mortgages for many years. He’s built his reputation on guiding Frisbee players through the home buying process, providing helpful advice and trustworthy referrals every step of the way.
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.
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.
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!
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.
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!
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.
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.
The Ultimate Lending Team is built for speed. You can close on your new loan in as soon as 2 weeks.