Lending | Home Financing

I am Denver based lending and finance professional, helping new homebuyers and current homeowners make the most of their opportunities.

As a loan officer, my goal is to take clients through a smooth and successful mortgage experience. I work with a fantastic team at a Denver based company, licensed in all 50 states. We understand pre-qualification and pre-approval processes to make sure our clients have the information they need to make informed decisions.

We explore loan options that meet individual client needs – fixed or adjustable rate loans, FHA, jumbo and other specialized loans.

Having your financing and pre-approval ready before home shopping, especially in a competitive market, is of paramount importance. Our team works beyond normal hours, available seven days a week.

Whether you’re looking to consolidate high-interest debt, start a home improvement project, or access the equity you’ve gained over time, we can help.

I can offer a consultation and provide general guidance to anyone interested in options.

I am licensed in: Alabama, Arkansas, California, Colorado, Florida, Georgia, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Nevada, New York, North Carolina, North Dakota, Oregon, Tennessee, Texas, Washington, Wisconsin, and Wyoming.

If outside of those states for a home purchase or refinance we have a solid team that I can refer you to.

General Info:

Mortgage Basics 

Loan Programs

Home Refinancing Info + Benefits

Purchasing a Home

You may contact me below, or via the social media channels top / left.
James Van Dellen . NMLS 2008896

American Financing Corp NMLS 182334
Visit dora.state.co.us for licensing information

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    Specialties and keywords:

    Mortgage Refinancing, FHA Mortgages, New Home Loans, ARM Mortgages, VA Mortgages, CHFA Mortgages, Streamline Mortgages, 15 or 30 Year Conventional Mortgages, USDA Mortgages, Jumbo Mortgages, Refinance With Cash Out, Reverse Mortgages, First Lien HELOC, Debt Consolidation, First-Time Home Buyer, Your Term Mortgage, and Self-Employed Mortgage

    FHA Loans:
    FHA mortgages are home loans that are insured by the Federal Housing Administration (FHA), which is a government agency. These mortgages are an attractive option for many homebuyers because they have more relaxed lending standards than traditional mortgages. This means that it may be easier for borrowers to qualify for an FHA mortgage, even if they have a lower credit score or a higher debt-to-income ratio.

    One of the main benefits of FHA mortgages is that they require a lower down payment than conventional mortgages. While conventional mortgages often require a down payment of at least 20%, FHA mortgages can be obtained with a down payment as low as 3.5%. This can make it easier for first-time homebuyers or those with limited savings to become homeowners.

    In addition to the lower down payment requirement, FHA mortgages also have more flexible credit score requirements than conventional mortgages. While conventional mortgages typically require a credit score of at least 620, FHA mortgages may be available to borrowers with credit scores as low as 500. However, it’s worth noting that borrowers with lower credit scores may be required to pay a higher interest rate on their FHA mortgage.

    It’s also important to note that FHA mortgages require mortgage insurance, which is an additional cost that is added to the monthly mortgage payment. This insurance is used to protect the lender in case the borrower defaults on the loan. The amount of mortgage insurance required will depend on the size of the down payment and the length of the mortgage term.

    Overall, FHA mortgages can be a good option for homebuyers who have a lower credit score or a smaller down payment, as they may have more relaxed lending standards than conventional mortgages. However, it’s important to carefully consider the costs and benefits of an FHA mortgage before deciding if it’s the right choice for you.