Mortgage Loans

Whether looking to purchase a new home, tap your home’s equity via a cash-out refinance, or lower your monthly payment via a standard refinance, RNB/Front Range State Bank is here to help! We are a local community bank that offers a broad menu of mortgage loan programs at competitive prices.

• Long term fixed Rate Mortgages for a Primary Residence, Second (Vacation)
  Home, & Investment Properties.
• Portfolio Mortgages for a Primary Residence, Second (Vacation) Home, &
  Investment Properties.
• Low-to-No Down Payment Mortgages may be available to those that meet the
  necessary qualifications.

Looking for a specific type of mortgage loan, here are the programs that we currently offer.

• Conventional Mortgages – Traditionally the most common loan product. These are
  available in a wide range of terms, including long-term fixed rate options as well as
  adjustable rate options. Conventional loans may be used to purchase or refinance a
  primary residence, second (vacation) homes, or investment properties. Did you know
  that these mortgage loans may be available with as little as a 3% down payment?
  Conditions apply so ask your local mortgage lender for more information.
• Portfolio Mortgages – Having a difficult time qualifying for a conventional mortgage
  loan, or looking to purchase a property that doesn’t align with the requirements of
  conventional loan financing? These are situations where a portfolio mortgage may be a
  good solutions for you. These loans are adjustable-rate mortgages (ARMs) offered in a
  variety of loan terms to suit your needs.
• FHA Mortgages – The FHA mortgage loans are terrific for borrowers that have
  experienced credit difficulties within the last few years. These loans tend to be more
  flexible when working with borrowers that have a lower credit score,
  bankruptcies/foreclosure on their credit history, or more minor credit difficulties in the
  recent past.
• VA – These loans are provided to qualified veterans by the Department of Veteran
  Affairs. For many qualified VA borrowers, no down payment is necessary, but a VA
  Funding Fee is required, unless the veteran is exempt due to a disability. VA loans tend
  to offer terrific interest rates in addition to the low-to-no down payment options they
  present.
• USDA Mortgages – These mortgage loans are available to borrowers within what the
  USDA deems to be rural geographic areas. The loans may be available with as little as 0% down, however there are quite a few restrictions that can make qualifying for this loan product difficult. Your local RNB/Front Range State Bank mortgage lender would be happy to walk you through the details of qualifying for a USDA mortgage loan.