Home Loan Learning Center

We're here to help you with tools and information about loans.

Logistics of the USDA Home Loan

July 31, 2018

Last week, we discussed the USDA Loan or the Rural Development Loan as a loan option for homebuyers. This week, we want to go into some of the logistics of the USDA loan and what sets it apart from loans such as the VA loan or the FHA loan. Fees The USDA loan is a … Continued

When Can You Use a USDA Loan to Purchase Your Home?

July 24, 2018

Over the last several months, we have been diving into detail on some of the loan options available for home buyers including the VA loan and the FHA loan. This month, we sat down with Kristy Noll, an underwriter with The Mortgage Company, to discuss another type of loan available, that most people may not … Continued

Choosing the Right Roofing Company

June 7, 2018

On our most recent episode of The Mortgage Company’s Community Partner Podcast Series, we sat down with Levi Randall of Advanced Exteriors to discuss the importance of your roof. This week, we will dive into some tips on how to choose the right roofing company and what to look for or avoid. As with any … Continued

When Should You Call A Professional To Look At Your Roof?

May 31, 2018

When it comes to owning a home, you inevitably have to deal with repairs to your home. One of the biggest assets when it comes to your home is the roof. Your roof is a system, much like your HVAC system or your electrical system. It’s composed of different parts, materials, and components that together, … Continued

Mythbusting the VA Loan: Is the Appraisal Process as AWFUL as everyone says?

May 17, 2018

We’ve been examining different types of mortgage options available to buyers, and most recently, we’ve been diving into the VA loan. This week, we want to discuss one of the biggest misconceptions surrounding the VA loan. When it comes to mortgage options, the VA loan is probably the loan with the most misconceptions, which is … Continued

Advantages of Using a VA Loan for Your Mortgage

May 15, 2018

We have recently been discussing the different types of mortgage options available for people looking to buy a home. There are many people who think they cannot afford to buy a home or are not eligible to do so, and that is certainly not the case — and we find this sentiment is common among … Continued

VA Loan Basics: Top 3 Things to Know About VA Loans

May 10, 2018

Over the past several weeks we have been uncovering some of the different mortgage options available for home buyers. Over the next couple weeks, we will discuss VA loans, thanks to Kristy Noll, an underwriter here at The Mortgage Company. Today, we will look at the top 3 things to know about using a VA … Continued

Choosing the Right Mover for Your Move

April 10, 2018

The last few weeks, we have been discussing the process of moving, and how it can be a stressful and difficult time. With using a professional mover, often times that stress can be alleviated. It all depends on the mover that you choose. Hiring the right mover can make all the difference in the process. … Continued

Advantages of Using a Professional Mover for Your Move

April 3, 2018

Last week we discussed how stressful moving can be, and some of the tips you can use to help prepare you for your move. This week, we will be discussing the advantages of hiring a professional mover to help you with your move, instead of trying to do it yourself. We sat down with Lisa … Continued

Preparing To Move: Tips from a Pro

March 27, 2018

Moving to a new home can be one of the most exciting times in your life, but it can also be one of the most stressful. Especially when it comes to packing all your belongings and making the actual move. Moving can be a very overwhelming and stressful experience. We recently sat down with Lisa … Continued

Don't Just Take Our Word For It...

Sean Budzak | Colorado

I have been working with Tim and he has been extremely helpful with his amazing customer service approach to problem solving and the ability to work with individuals at all levels and follow through with a can-do attitude. Tim's knowledge and his experience, has made my experience extremely comfortable and exciting. I would highly recommend Tim Clune, and The Mortgage Company.

Leanne Palmisano and Lisa Schaefer | Colorado

Our loan refinance experience was excellent from start to finish -from my initial reach out to Cheri until closing a short time later. Cheri was extremely knowledge and very responsive to our needs along the way. The online portal system was easy to use and the support that The Mortgage Company provided throughout the process exceeded our expectations. Elated to now have a much lower rate and loan term! Thank you!

Michael Stine | Colorado

Hi Cynthia, I wanted to say thank you for helping us get this new place. It has been a long road for all involved. I am so happy that everything worked out. It is a wonderful feeling to own something. Thank you for your hard work in getting the mortgage process completed. I can only imagine the work involved. We moved in on Saturday and we are loving every minute. Take care.

Daniel O’Shea | Colorado

I recently refinanced my home and Peggy Dunn was my Mortgage Banker. This is just a small Thank You!!! to her and the mortgage company for all her help with me, I don’t claim to know how mortgages work and that's where I put my trust with someone like Peggy. She was more than helpful with all the steps involved with what I had to do and what to get. Peggy is also great with explaining all the steps from what is available to the final signing of the loan. I know she did her best with me and my loan and I know that if I have any questions in the future she will help me get the answer I need. Peggy is not only a GREAT Mortgage Banker but she is also a great person and any company should be grateful that they have a great employee as her. Thanks again Peggy Happy customer Daniel O’Shea

Robert Martelon | Colorado

Dave and Lauren, Thank you so much for all your help and professionalism. Although the process wasn't without its challenges, your confidence, support and hard work made it obvious that it would all get worked out. You under promised and over delivered. I couldn't be happier with your service and I wouldnt recommend anyone but you to my friends and family. In my option, the Mortgage Company is #1.

Sarah Carlson | Colorado

Brent Osland and his team at The Mortgage Company provided an outstanding service. He helped me each step of the way through the purchase of my first house and was extremely helpful in ensuring I had all of the documentation and knowledge throughout the process in a timely manner. I could not imagine going through this loan process with any other loan originator. Brent and his team made this a great experience. Thank you!

Chris Bouchet & Erin Beach | Colorado

I would recommend Brent and the Mortgage Company to anyone. They were very responsive to any questions I had and were very knowledgeable with their responses. I've heard horror stories of friends not being able to contact their lender when they make an offer. Not only was Brent easy to contact, he personally called the selling agent and vouched for our loan. I went into the mortgage process a little worried about what could happen. Thanks to the Mortgage Company, this was one of the easiest processes I could have dreamed of.

Beth Anne Demeter | SellState Realty Pros | Colorado

Vanessa is an absolutely amazing loan officer. She is on time, accurate and conscientious of client and agent needs. Significantly, she always weights her personal commitments to the initial undertaking, rather then back-weighting them to the deadline and waiting 'til the last minute to work on deliverables. As such, her work consistently meets or usually exceeds expectations! She's unlike other lenders where I have to remind them of the task or request an update - with Vanessa it's forthcoming and anticipatory of all my (known and unknown) needs. Thanks!!!!

Robert Abeyta | Colorado

We had a great experience working with Vanessa McLennan and the Mortgage Company on our home loan. After some unfortunate circumstances with another lender I was introduced to Vanessa by my realtor with very little time to get my loan processed and approved after making an offer on the home we wanted to purchase. The process was stressful and frustrating at times as most home buying experiences can be but was even more pressure packed because of our now tight deadline. Vanessa jumped right in and was on it from the very first conversation we had on the phone, her guidance, and persistence not only got us approved for our home loan but she did it all in about a two week time period which is unheard of. Thanks to her hard work, knowledge, professionalism, communication and caring attitude we are now in our new home. Thank you Vanessa and the Mortgage Co for making our home buying dream come true!!

Gina Saab | Realtor | Colorado

I was the buyer's agent on a purchase and my clients were pre-approved with Vanessa when we met. First, I was so happy she already had them pre-approved rather than pre-qualified. We were on a very tight timeline....the sellers needed a 3 week close. Because Vanessa had the foresight to have their loan locked and loaded, we easily hit that deadline! The transaction was smooth, and Vanessa was accessible, friendly, communicative and professional every step of the way.

Bradley Titus | Colorado

My wife and I have worked with Ms. Souza several times over the years. We re-financed our 1st and 2nd homes as well as purchased a couple of rentals using Ms. Souza as our mortgage broker. She was knowledgeable, professional, timely and on top of everything on all occasions. She has always been a pleasure to work with and she will always be our first stop when in need of mortgage assistance.

Sarah Steinruck | Colorado

Lisa was incredibly helpful and supportive in the purchase of my first home. She recommended that I apply for a CHFA loan. (I considered working with several other lenders, and she was the first to recommend CHFA) This loan was perfect for me and ended up saving us a lot of money! Lisa and I probably spent hours on the phone going over all of my concerns and questions about becoming a homeowner. She was always available and gave thoughtful and unbiased advice.

Marc Blitstein | Colorado

Lisa was our loan officer at the Mortgage Company. She did such a wonderful job we had her help both our sons with their home loans and refinancing. Lisa is a pleasure to work with. She is so knowledgeable about all of the different loan programs and worked hard to make sure we got the best program for us at the best interest rates. I highly recommend Lisa Souza to anyone looking for the BEST loan officer at the BEST Company, The Mortgage Company.

Justin Chidester | Colorado

I was very impressed and satisfied working with Vanessa and The Mortgage Company. Vanessa is personable, professional, and exceptionally talented at her job. During the loan process she was always easy to contact and able to provide a variety of approaches to my particular needs. It eased my mind to have such a reliable person handling my loan during a hectic time.

Aaron Gerlach | Colorado

I worked with Vanessa to purchase a new home. She was amazing to work with! She went through every possible scenario with my wife and I to help us find the best possible option for our situation, When we had a question she was very quick to respond and made sure she always completely answered the inquiry. She was extremely thorough and made sure every i was dotted and t was crossed. I will definitely work with Vanessa again and I have already recommended her to friends and family.

Sasha Ranck | Colorado

Vanessa was absolutely amazing! My Husband and I started with another company that is salary based, and advertises that they can approve anyone with less then perfect credit. My Husband had less then perfect credit, but had been working hard to build it back up, and after a month of trying to go through the pre approval process with the first company, we received an email saying that they couldn't help us, with no explanation as to why or how to fix the problem. That is when we turned to Vanessa after a friend recommended her. Vanessa took the time to look through our credit history, and work with us to get our credit where it needed to be so that we could purchase a home, We also challenged Vanessa by giving her a pretty strict time line, with a baby on the way. Needless to say Vanessa worked her magic and we Closed on our house this past weekend! we can not say enough positive things about Vanessa and the work she put in to get us approved. We will forever be grateful to her and can't wait to work with her again when we need to upgrade.

Erin Scherer | Colorado

Brent was very knowledgeable and could answer my questions in a way I could understand. He and his team were also available on a moment's notice, both via phone or email any day of the week. I felt confident I had everything in order and the financial team would respond timely when I found the right home, as well as through the entire closing process. Thank you, thank you!!

Maggie Rilling | Colorado

Kailey was a dream to work with through the home buying process. She was available when we needed her to answer questions or concerns and went above and beyond to make sure we qualified for our home loan. She even got some things removed from my husbands credit report that shouldn't have been. If you âre looking for a knowledgeable, reliable and trustworthy mortgage lender, Kailey is the one! Thank you so much for an excellent experience through the home buying process.

Patrick Wall | Colorado

Phenomenal is the very first word that comes to mind when I think of Kailey and the work she does for her clients. She was a HUGE asset to myself and my realtors when we were house hunting. I could text Kailey at any hour of the day in regards to a property and get a response within 30 minutes on what her thoughts were. I would HIGHLY recommend Kailey to anyone that is looking to purchase a home!

Rick Brown | Colorado

Cynthia was absolutely amazing during this process. This was my first time purchasing a house. Cynthia and her team were not only patient, they were knowledgeable about any potential hiccups. This was not an easy process, but Cynthia went above and beyond to help me make sure that I was able to close on time and answer any questions I may have had during the process. I would recommend her and the team to my friends and family and give her a 10 out of 10.

Ashley McCreadie | Colorado

After speaking with a friend about the process I was already exploring for a refi, he suggested I reach out to Kailey. From the moment I reached out Kailey was extremly professional, responsive, knowledgeable and ensured she was competitive to beat the price that I received from my current lender. She completed my transaction by my short deadline as well! Overall I can confidently say I will be using her for all of my future needs as well as referring her into more of my friends and family!

Patricia Taylor | Colorado

As a Realtor, I know a lot about the home buying/loan experience from my clients perspective. In making a real estate purchase for myself, I learned 1st hand what it is like. Susie made the entire experience as stress-free and as smooth as possible! Susie always kept me up-to-date on the status of my loan, and set realistic expectations every step of the way. I was also thrilled to get a great interest rate, thanks to Susie's guidance during a time of rising interest rates. Overall-FABULOUS!

Gil De Matos | Colorado

Brent and his team made the process of getting through a mortgage pre-approval, application and closing feel like a breeze. All calls/texts returned in short time, all questions answered (lots of questions answered) and even the flexibility of being able to manage myself some of the closing costs counted as PLUS. I'll definitely reach out to him and his team again if needed.

Bill Schmetterer | Colorado

Kailey demonstrated a great depth of experience and knowledge for the transaction we were dealing with. She was also very responsive, kept us abreast of market changes, what choices were available to us and kept us informed during the entire process. I have been a real estate broker in SF for 30 years and Kailey performed at a very high level. I highly recommend her for your mortgage needs. Sincerely, Bill

Ali Schmetterer | Colorado

As a new homebuyer Kailey was extremely supportive throughout this process. She was responsive and extremely communicative making sure I knew what was happening at all times. She was able to help retain my loan lock! Literally my guardian angel throughout a stressful process. My dad has been in realty and property management for 30 years and he was also extremely impressed with Kailey's professionalism. Highly recommend!

Dan Toups | Colorado

Jackie is truly amazing! We had to do two transactions, the purchase of a home and then a refinance on it six months later and she was so helpful every single day. She was in constant communication with us and even available at times when I needed her after hours. She is very knowledgeable and if there is ever any doubt on anything she is quick to find answers. I have already recommended her to a few of my friends and will definitely use her in the future!

Christopher Ontiveros | Colorado

Scott made our first home buying experience so easy. We heard things from people saying it was "awful" and "so confusing" and "you never really knew what you were getting into" etc. But Scott never made it that way for us. Any questions we had he had answers for them right away. He made sure to get us the best deal and made sure we understood why our options were what they were. We LOVE our house. But it wouldn't be ours without Scott on our team! Thanks Scott!

Laura Boehm | Colorado

Vanessa was amazing! She walked me through the process, made sure I understood everything, and was available to answer any questions I had. She was able to source several different options for me to consider and it was a very smooth and easy process. I knew where I stood throughout the entire process. She was very communicative, responsive and always professional. I have never experienced such personalized, friendly, quick service like this before. I highly recommend Vanessa.

Brian Jones | Colorado

Brent and his team at The Mortgage Company were extremely helpful during the home buying process. Brent made himself available for questions even when on vacation. When he was unavailable Susan and the rest of the team were just as knowledgeable and helpful as one could hope. There wasn’t much through the entire process mostly due to the constant contact they kept with me. I would recommend Brent to anyone looking for a stress free mortgage experience. My family and I love our new home.

Kristopher Kneipper | Colorado

Scott was always very professional and quick at getting back to me. I felt like I was being a pain by constantly emailing, texting, and calling him with all of my dumb questions. He never acted annoyed and remained completely patient with me. Our home closing went very smooth and I don’t think I could be happier had I gone with anyone else to help us. Thanks Scott!

Jessica McCarthy | Colorado

Vanessa made what we thought would be a super tedious, time consuming process of getting approved for a home loan super easy and efficient. She helped to make the home buying process less intimidating and was very accommodating when we pushed our closing date to a week earlier than originally planned. We would highly recommend Vanessa to any of our family and friends!

Serena Guerin | Colorado

Shanna was very knowledgeable and helpful when I first started the process of what I could and couldn't qualify for. She also helped me understand what I could do to make my credit better, and what I needed to do to lower my debt to income ratio. I could always contact her with any questions or concerns I had during the process. Shanna was also very encouraging and positive.

Michael Holley | Colorado

Debbie is so pleasant and kind. This is our second time working with her and again she exceeded our expectations! We really appreciate how she dedicated herself to our family. She always made sure she was available for any questions or concerns we had. She made this whole process so easy for us to go through and understand. She is very very knowledgeable, someone we truely trust. You can tell this is her true passion and calling. She is amazing to work with and possesses so many great qualities!

Brock Schaulis | Colorado

Shanna was very helpful and attentive from day one. As a first time home buyer she was patient with all of my questions and concerns and guided me every step of the way. Having previously worked with several different mortgage companies I can say she was leaps and bounds ahead of them with her knowledge and assistance. My loan options were immediately presented to me and I was able to select which ones worked best for me as I drew closer to the closing. Shanna is simply the best.

Ryan Mickelson | Oregon

Katie was a joy to work with, was easily accessible for advice and troubleshooting, and provided me with astute, clear, and no-nonsense guidance through the mortgage obtaining process. I have worked with Katie in the past, will recommend her to others, and will work with her again in the future without any hesitation. She's the cream of the crop! Thank you so much, Katie!

Jerry Poole | Colorado

Brooke was professional and conscientious throughout the process of our loan. She fully explained things to us and she was always available to us by phone. Her professionalism far exceeded that of others we encountered in this process. She is a credit to The Mortgage Company. My hope is that she can be recognized as the kind, knowledgeable professional that she is.

Stephanie Wells | Colorado

Gerry helped with EVERYTHING!! Even when some of the paper work was being processed by a different person he was the one that made sure everything went flawlessly. We had a few obstacles with our approval but Gerry made sure everything was broken down step by step to keep me from being overwhelmed by the process. Mortgages are not easy, but it was with Gerry!! Thank you for making our dreams come true!!

Michael King | Colorado

Brent was an amazing loan agent...extremely knowledgeable and very personable. He comminicated frequently during the process and gave me a sense of confidence that he was on my team. The loan process these days can be very frustrating for the consumer due to myriad rules and regulations. Brent was always willing to help make the process as painless as possible. I would recommend him to anyone without hesitation

Beverly Shalhoub | Colorado

Upon hearing that I was an elder recoverin from an injury, and that we were applying for a refinance while in the midst of ongoing remodel chaos, Vanessa was kind enough to come to our home instead of asking us to come to her office to sign documents multiple times. She even arranged to have the closing at our dining-room table. She was also ever prompt and informative when we emailed or phoned her with questions. I would highly recommend Vanessa to anyone in need of mortgage services.

Malcolm Parks | Colorado

1. Patient and informative communication. We hadn't bought a house for many years and were often not well informed and occasionally annoyed about what Vanessa needed. Vanessa guided us with great clarity and patience. 2. Thoroughly professional. We had unexpected delays and snags in securing our mortgage. The more I watched Vanessa work, the more I realized that she is a consummate professional-- highly knowledgeable, creative, and a relentless drive to do the job right and on time.

Sheila Mirzai | Oregon

Katie was able to pull my train wreck of a mortgage together in 11 business days (!!!) after my bank (also my employer) denied my loan. She set my expectations realistically and didn’t overpromise anything. Instead, she was honest about what it would take and overdelivered at the end of the day. I would not be living in this house today if it wasn’t for Katie and her team, I am so appreciative and will recommend them to any friends or family interested in buying in Portland. Thanks Katie!!

Chad Curtis | Colorado

Debbie Betts is the most amazing lender ever! She is such a caring, understanding and happy person to work with. We recommend Debbie to all our family and friends. If you want to get approval to buy a house or refinance call Debbie. She will go above and beyond to help you get your dream home. Thank you Debbie if we ever need any thing else we will only come to you! Kim and Chad Curtis

Irma Enriquez | Colorado

Kyle was very positive and humble which made me feel comfortable and confident that all was good. Aside of all the obstacles we encountered, Kyle Kept a very calm dominar and showed extreme confidence. The strength of the lord kept him going and he never gave up and because of Kyle's willingness to approve and close our home loan, we are now living in our new home and the children have so much more space to play. Thank you Kyle for all your hard work.

Brett Todd | Colorado

As first-time homeowners, I do not know what my wife and I would have done without Cynthia's unyielding support and guidance throughout the entire loan process. Cynthia went above and beyond to get us the loan we needed and did so in a professional, yet personable fashion. I highly recommend Cynthia's expertise to any would-be homebuyers. She is excellent at her job!

John Moore | Colorado

Peggy was a pleasure to work with during the loan process. She answered all of my questions and when I left her a voice mail message, she responded quickly. Her explanations of the process, statements and during the closing really helped me understand all of the papers I was signing. All in all, she really made the loan process and closing very efficient and pleasant. Thank you Peggy!

Kyle Kerley | Colorado

Kailey was on top of everything and completely transparent from the very start of the process. She wasted no time getting down to business and kept the entire process moving very quickly. If she wasn't immediately available to answer questions, phone calls were returned promptly. My wife and I got a great cash-out refinance package and it all happened in under three weeks. Our lives are going to change monumentally for the better and it's all thanks to Kailey! Thank you so much!

Keith Hamilton | Oregon

Katie was very clear and thorough with us through the entire process. She never hurried past any of our questions, and used the kind of language that people who don't work in the mortgage industry can understand. She even came to our signing, which no lender of ours has done before. Super helpful, especially when you're going through a mountain of legal documents. If you're looking for a home in the West Linn area, talk with Katie.

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