Your Dream Home Awaits
Discover Tailored Mortgage Solutions
“Borrowers who used a mortgage broker saved an average of $9,407 over the life of the loan compared to borrowers who went directly through a bank.”
— National Association of Mortgage Brokers (NAMB)
Why Choose Us for Your Mortgage?
Because you deserve more than just a loan—you deserve options, savings, and a team that puts you first.
At United Home Mortgage, we’re independent mortgage brokers. That means we don’t work for a single bank or lender—we work for you. We shop multiple lenders nationwide to find the most competitive rates and terms available. The result? Lower fees, lower rates, and lower monthly payments than you’ll typically find at retail banks or credit unions.
Personalized service –
You’re not just a number. You’ll work with a dedicated expert who listens, educates, and guides you from start to finish.
Lower costs –
According to the National Association of Mortgage Brokers, borrowers who use brokers often save thousands over the life of their loan.
Access to Lenders -
We have exclusive access to wholesale loan options that many banks and direct lenders can’t offer.
Faster closings -
Our streamlined process and strong lender relationships help get your loan closed quickly and efficiently.
Hear from our clients
What our clients say about us
Ready to take the next step in your home journey?
Whether you’re buying your first home, refinancing, or investing—we’ve got your back. Let’s make home happen with less hassle and more savings.
Common Questions
Your Mortgage Questions Answered
What is a mortgage broker?
A mortgage broker is your personal loan shopper. We connect you with multiple lenders, compare rates, and negotiate the best terms—so you get the right loan without the stress.
How do I apply for a mortgage?
Start by completing a simple application with us. We’ll walk you through every step, help you gather your documents, and match you with a lender that fits your needs.
What documents do I need?
You’ll usually need pay stubs, W-2s or tax returns, bank statements, a government-issued ID, and asset documentation. Don’t worry—we’ll give you a checklist and guide you through it.
What are closing costs?
Closing costs typically range from 2% to 5% of the loan amount. These cover things like lender fees, title services, and prepaid items. We break everything down. Did you know mortgage brokers historically have lower rates and lower fees according to recent Fannie Mae and Freddie Mac surveys.
How long does the process take?
Most loans close in 20–30 days. We move quickly and efficiently, keeping you updated every step of the way
What is the best mortgage rate?
There’s no one-size-fits-all rate—it depends on your credit, income, and loan type. As brokers, we shop around to get you the most competitive rate available.
Can I get pre-approved?
Absolutely. A pre-approval strengthens your offer and gives you a clear picture of what you can afford. It’s quick, free, and smart.
What is PMI?
PMI (Private Mortgage Insurance) is required when your down payment is under 20%. It protects the lender, but we’ll help you understand your options to reduce or eliminate it.
What are mortgage points?
Mortgage points are optional fees you pay upfront to lower your interest rate. They can save you money long-term—especially if you plan to stay in the home for several years.
How do I improve my credit score?
Pay on time, reduce balances, and avoid new credit. We also offer free credit reviews to help you boost your score and qualify for better rates.
Email Us
Have questions? We're here to help! Reach out via email for quick assistance.
info@unitedhomemortgage.com
Call Us
We're just a phone call away! Reach out for immediate assistance or questions.
(719) 297-1003
Meet Us
Touch base with us today. We would love to meet you.
Colorado Springs, Colorado