(970) 672-0496 corey_seitz@excelfg.com

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Proudly serving California, Colorado, Florida, Texas, and Wyoming

Conforming loans Fanny/Freddie high-balance loans

This is not a typo- On all Fannie/Freddie and most government programs in addition to market leading rates we have $0 Origination Fees, $0 Underwriting Fees, $0 Processing Fees, and $0 Doc Prep Fees! Let us prove it and give you a quote! Looking for speed? We have closed loans with appraisal waivers in as little as 8 days! Speaking of appraisal waivers we get more than your average lender by running BOTH Fannie and Freddie on every file.

Link to Conforming loan limits. Don’t worry about an exact address you can zoom in and out of the map.

GREAT 10YR ARMS

If you will not own your house long term consider our fantastic 10 year arms. Note: Currently as of late 2022 we are not doing 5 and 7 year arms because of an inverted yield curve in the bond market pushing short term ARM up to the 30 year fixed rate, as the economy normalizes these will come back some day.

Standard Fannie/Freddie products

When your bank or retail lender tells you it’s all about service and their rates are “competitive” please shop us! The wholesale business channel has been proven to save the average borrower $9,407 in 2021 and we think their numbers will come in higher once compiled for 2022! Best yet…. You don’t give up fantastic service, faster answers, faster closings, and a smooth hassle free process!

3/2/1 BUYDOWN

We know moving is expensive and rates are much higher relative to last year. A 3-2-1, 2-1, or 1-1 Buydown can be the perfect tool to lower your expenses for 1-3 years while you pay moving and related new home express and wait for rates (hopefully) to come back down.

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Our Mission

Our mission is to ensure the security of your personal information and provide you with a seamless mortgage experience. We are dedicated to protecting your privacy and guaranteeing that your phone number and email address will never be shared or sold. You can trust that any contact from us will be from a licensed loan officer, never from a high-pressure salesperson. We strive to provide a personalized and trustworthy service, always putting the needs and privacy of our clients first.