Home Mortgage Loans – Qualify in Minutes – Direct Mortgage Lender
Home Mortgage Loans
Pivot Lending Group is a well established mortgage lender based in Littleton, Colorado. We offer all home mortgage loans, including FHA, VA and Conventional, and proudly serve members and customers in Colorado, Arizona, Iowa, Illinois, Kansas, Missouri, Nebraska, Texas, Tennessee, Utah and Wyoming. We specialize in home mortgage loans for the purchase or refinance of your primary or secondary homes. We also offer aggressive products for the purchase and refinance of investment properties. We also pride ourselves on robust access to rehabilitation loans and other specialized loan products, including down payment assistance and reverse mortgages.
Since the inception of Pivot Lending Group, the main focus has been to treat all the people we are lucky enough to serve as we would want to be treated. Placing your trust in a home mortgage company to handle your home mortgage loan with care is a big step. We’ll show you that we can handle it, and that you will trust us with your mortgage needs for life. At Pivot Lending you have Direct Expertise at your fingertips. Competence, Sincerity and Reliability are the main tenants of the trust anyone would seek when choosing a home mortgage company for one of the largest financial decisions a person can make. At Pivot Lending Group we pride ourselves on holding those 3 tenants throughout the entire loan process, from application to closing with all our home mortgage loan products: Home Mortgage Loan Financing, Conventional Loans, Home Refinancing, Reverse Mortgages, Federal Housing Administration (FHA), Veterans (VA), Home Equity Loans (HELOC), Rural Development (USDA). The care taken day to day by the best home mortgage companies is best summarized with the following quote.
A customer is the most important visitor on our premises. They are not dependent on us. We are dependent on them. They are not an interruption in our work. They are the purpose of it. They are not outsiders in our business. They are part of it. We are not doing them a favor by serving. They are doing us a favor by giving us an opportunity to do so.
Reduce your monthly payment or use your home's equity to fix up the house or consolidate other debt.Refinance Your Loan!
Pivot Lending Group has many options to assist you. Whether this will be your first home or you are a mortgage pro, we're ready to help.Pre-Qualify Now
Frequently Asked Questions About Home Mortgages
How do I repair my credit?
This is a very loaded topic. Whether you are seeking to do it on your own or need assistance, we can help. The simple fact is, bad things happen to good people. If this is you, we are ready to assist you.
The process by which you can dispute or amend your credit report can be a daunting task. With coaching, research and some tenacity, it certainly can be done!
Pivot Lending Group employs a number of credit repair and counseling services to help you, should you need and want to ask for help. Although fixing your credit can be done for free, it is sometimes worth it to pay a reasonable fee for the help these services can provide.
Should I refinance my mortgage?
There are 3 main goals in choosing whether to refinance home loans or not. They are as follows:
(1) Reduce your monthly payment. - You will need to decide if the amount it will decrease is worth it or not. This is a personal decision that only you can determine.
(2) Reduce the length of your current loan term. - This is a solid choice if you would like to shorten the amount of time you have a monthly mortgage payment. Depending on what your current monthly payment is and what your new payment will be, it might be a good way to own your home outright faster.
(3) Use the equity you may have in your home to do home improvements, consolidate debt or finance something else like education, a new vehicle or a much needed vacation. - Please know that the 3 options described above can often be combined to maximize the benefit of your refinance transaction. Our Loan Officers are at the ready to crunch the numbers and present your options.
When should I "Lock" my interest rate?
Interest rate locks can be a very consuming question. Interest rates rise and fall frequently and can be unpredictable as a result of economic activity, political unrest or changes in the stack market. Trying to predict and consider the impact any of these factors may have on your interest rate can be overwhelming and very stressful. Rather than become a stock broker overnight, it may be easier to remember a few things.
1) We will always offer you the best rate that we are able to offer. Regardless of the loan type you've chosen, we will offer you the best rate possible based on the current market and the pricing we have available to us. We cannot guarantee it is the best rate EVER, but it will certainly be competitive.
2) If you are happy with the monthly payment amount, then go ahead and lock. For a $350,000 loan, your monthly payment will change approximately $25 for every .125% in rate.
3) Your Mortgage Loan Originator will advise you if locking is a good idea. We employ a great number of people that are well versed in market movements. We will watch the market for you and let you know if locking at any given time is a good idea, or if the market has a little more to give.
Reviews and Testimonials - Home Mortgage Customers:
I have used Pivot Lending Group for the last 6 homes I have purchased as well as refis. They are the best mortgage company in Denver and they get the best rates. I have not found another mortgage company even comparable to them.
We are so glad we chose Pivot Lending Group for our first home buying experience. Dave was incredibly helpful and easy to reach when we had questions. He helped us understand the process up front and we felt supported throughout the process. We highly recommend Pivot Lending Group!
I cannot express how scared I was to go through this process of buying a home. I was a first time home buyer and had many questions on the entire process. Wilson and his team made this a great process for me. He walked me through each portion of the loan process, and advised me of things to expect. They were very upfront on documents needed and were proactive at acquiring documents from me to help to ensure I closed on time. Wilson and his team made this a smooth transition for me and helped me purchase my first home!! I am forever grateful for him and his team and would recommend them to anyone purchasing a home.
We've been using Pivot Lending Group since the middle of 2012 and have always been astounded by their professionalism, honesty, patience, openness, and frankness. When we first bought our house, the lender we used came from our real estate agent at the time and it was an awful experience. We refinanced with Pivot Lending Group in 2012 and realized what that experience SHOULD be like. These folks are super communicative, friendly, and best of all they always make you feel comfortable. I can't say the same about other lenders we had talked to. Since refinancing we've recommended them to all of our friends, family, and pretty much anyone who will listen! When it comes time for us to look into our next home purchase, we're absolutely going to work with Pivot Lending Group without hesitation.
Dave Olson was amazing to work with! They made my first home purchase a breeze. Seal of approval!!
Great experience working with Bryant and Sheila. Thank you!
The Arizona Team helped me get my first home and found the perfect program for me that I didn't even know about! The program allowed me to have a lower down payment and mortgage insurance rate than expected. They explained everything so thoroughly and made me feel extremely comfortable with my home buying experience, making sure I was informed at every step of the way. I would highly recommend The Arizona Team to anyone!
Best experience possible! I wouldn't do business with anyone else. Liane and her team were informative, professional and expedient with everything they did. This is the mortgage team you hope for! Thank you Liane, and thank you 1st Morgages!
I had no idea what kind of lending group I was dealing with when I first started. I got ahold of the first lender and she was very polite and helpful. Then come along Ashley, David, and Casey, all amazing people. Very helpful, knowledgeable, and caring. Loved doing business with them. Would recommend this group and these people.
After trying to work with several big banks, I was referred to Pivot/1st Mortgage by the my local teachers' credit union. Although the property wasn't in NE, they connected me with their Colorado branch, and with a team of Ashleys, and others, we were able to close within a 21 day mark with a conventional mortgage. Excellent work, great communication, personable and professional. Thank you...we'll be working together again soon. keith
My family had the most incredible lending experience ever working with Bryant and his processing team. Bry and his team were able to put the most incredible loan package beyond expectations which no other lender could even try to compete with! So incredibly thankful for their hard work and commitment to their clients!!
Mark went above and beyond to get my refi through despite some unexpected hurdles! Thanks so much!!
I have bought and sold several homes in my lifetime and honestly have never had as great of an experience as with this team. Wilson was phenomenal! He worked hard at finding me the right funding for my dream home. I was not easy on him but he helped me stay positive and brought his humor in to keep me focused and motivated. Erika worked with me through the underwriting process and was extremely thorough. She answered my questions with the utmost patience and kindness. I cannot be more appreciative of this team! From the bottom of my heart, THANK YOU!!!