Summit Mortgage is a mortgage bank that has been in business for over 15 years. Our Colorado team has over 20 years of caring for our family of clients mortgage needs. Combined over the years we have funded over $5 billion in home mortgages. Whether you are using Conventional, FHA, VA, or niche financing your solution is within our hands. When you decide to buy a home, investment property or refinance a mortgage, it's a big step. Our goal is to offer you a no hassle, just honest answers approach to lending.

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. There is a roller coaster of emotions you go through whether it is your first home or your dream home. We will sit down with you and explore and educate you based off your situation. When you leave our office our goal is for you to feel good about your relationship with us. We will explain the options for mortgages available to you and even let you know about the positive and negative aspects of all the mortgages.  We would like the end result to lead you to feeling good about getting a mortgage. With that comes education on mortgage programs, credit tips, tax implication information, financial planning tips, and even home improvement ideas through our own experiences. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

Refinancing your current mortgage  With all the recent changes in the mortgage industry and the shrinking pool of loan programs. It has never been more important to work with a team of experienced and caring professionals, then it is today! You may be looking to shorten the term of your existing loan and reduce the amount of interest you will pay on the life of your loan. You could be one of the thousands of Coloradans who have an A.R.M that has or will reset and cause a substantial increase in your monthly payments. Whatever the case may be, refinancing doesn't mean getting buried under mountains of paperwork! We make it easy and worry-free to restructure your mortgage, interest rate and monthly payment. Our pledge to our family of clients is to care for their mortgages as if it were our own.

Did you know Colorado now requires licensing for all mortgage professionals who aren't exempt? Make sure you are working with licensed professionals.

Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, an investment property or refinancing, or potentially cashing out your home equity. So we make a personal commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anybody else!

Please navigate our web site to learn more about us, what we do for you, and how easy it is to get started. We also adhere to all state licensing and education requirements to ensure you are being handled by a qualified professional team, current licensing information for Ray is MB#100012778 Feel free to email or call with questions~