Financing Solutions for Your New Home
At Montano Homes, we understand that securing the right financing is key to making your dream home a reality. That’s why we’ve partnered with Colten Mortgage to offer a variety of flexible and innovative financing options for buyers. Here’s a quick overview of the programs available to help make purchasing your Montano home easier than ever.
Brant Phillips Colten Mortgage | President
NMLS # 6122
Phone: 303-909-0411
Email: bphillips@coltenmortgage.com
Why Choose Colten Mortgage?
Our partnership with Colten Lending ensures a seamless experience from start to finish. Colten is committed to:
- On-time Closings to ensure a smooth, timely process.
- In-house Credit Solutions to quickly address any concerns.
- No Fee Refinance Program available after just seven on-time payments, up to 36 months post-closing.
- Cash purchase options via HomeSimple for added flexibility in competitive markets.
Loan Programs with Colten Mortgage
Non-QM Loan Programs
Not all buyers fit traditional lending criteria, and that’s where our Non-QM (Non-Qualified Mortgage) options come in. These include:
- Bank Statement Loans for self-employed buyers.
- 1099-Only Qualification for freelancers and contract workers.
- ITIN Programs to help non-U.S. citizens qualify.
- DSCR Loans for investors looking to purchase rental properties.
These options open the door for more buyers to secure financing and move into their Montano home.
No Fee Refinance Program
Worried about current interest rates? With Colten’s No Fee Refinance Program, buyers can refinance without incurring lender fees after just seven on-time payments. This option is available up to 36 months after closing, offering peace of mind and greater flexibility.
HomeSimple
For buyers with an existing home to sell, HomeSimple offers a powerful solution to eliminate the sale contingency. By providing cash to purchase your new Montano home, this program removes uncertainty and gives you a competitive edge in the market.
Credit Solutions
Our in-house credit team is here to help all buyers—whether you need assistance with improving your qualification or simply want to optimize your credit score for better rates. This service is fast, free, and typically completed in just 7-10 business days.
Reverse Mortgage for 62+ Buyers
For buyers aged 62 or older, a Reverse Mortgage can be a great way to purchase a new home with no monthly mortgage payments. This option is perfect for retirees looking to downsize or relocate, providing financial flexibility in their retirement years.