Partnering With Us Means
Removing stress and uncertainty from the homebuying process.
Getting to the closing table faster
Achieving your goal sooner.
Points West offers the following products through our Independent Mortgage Broker. These products are serviced by other lending institutions and not Points West Community Bank. Because we offer an Independent Mortgage Broker service, we are able to give you access to a wide range of financing products.
A mortgage with payments that remain the same throughout the life of the loan because the interest rate and other terms are fixed and do not change. It is the most common mortgage loan granted. Conventional mortgage guidelines are typically stipulated by Fannie Mae and Freddie Mac. Other types of conventional mortgages include adjustable rate mortgage loans. Adjustable Rate Mortgages are not fixed and therefore the rate can and will change over the term of the loan.
FHA loans are backed by the Federal Housing Administration (FHA), and usually obtained for first-time homebuyers with limited funds. The down payment requirement is 3.5%. Monthly insurance premium will apply, if applicable.
VA Mortgages are guaranteed by the Department of Veterans Affairs (VA). VA loans allow the eligible veteran to obtain up to 100% financing without private mortgage insurance and can be on a purchase or refinance. The VA will loan up to $4 million. Monthly insurance premium will apply, if applicable.
A short-term loan to finance the cost of building a new home. The lender pays the builder based on milestones accomplished during the building process. For example, once a sub-contractor pours the foundation and it is approved by inspectors the lender advances funds from the loan to pay the builder, and interest payments are due monthly (as applicable). At completion of the home, the loan is then converted to a regular conventional type loan.
Enables homebuyers to finance both the purchase of a house and the cost of certain renovations through a single mortgage loan.
Paying off one loan by obtaining another; refinancing is generally done to secure better loan terms, possibly lowering the interest rate or term, consolidating debt to improve cash flow, or obtaining cash out.
Allows a homebuyer to purchase property outside city limits; rural communities. Loans under USDA enable buyers to purchase these properties with 0% down payment. Monthly insurance premium will apply, if applicable.
The reverse mortgage is used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and/or a line of credit giving the client INCOME and payments to the bank are optional until the house is no longer occupied or is sold. Use a reverse mortgage to purchase your next home instead of paying cash, and keep more of your money in the bank.
A non-conforming loan that exceeds Fannie Mae’s and Freddie Mac’s loan limits. Freddie Mac and Fannie Mae loans are referred to as conforming loans. In 2023, any loan over $766,500 would be considered jumbo financing (in most areas) and are subject to different rates and guidelines.
Most states offer Down Payment Assistance (DPA) programs, which provide grants that enable first-time homebuyers to get into a home with little to no money at closing. The products can be repayable with certain terms and also fully non-repayable. These products are also income-qualifying, which means that your annual income must fall within the required income limit for their program.
Meet our Brokers
Amanda has been in the mortgage industry since 2012. In 2013 she received her Colorado mortgage license. From 2005-2011 she was also in the real estate industry, which helps her be very well rounded in the corresponding industries as a whole. She is a Colorado native, born in Thornton and raised between Thornton & Loveland. She enjoys spending time with her two sons and her husband. Her immediate family is a 3rd generation fire-fighting family and she takes great pride in honoring our first responders.
Carolyn’s career in real estate and finance began in 1977 when she dedicated four years to a Hard Money lender. Building on this foundation, she took the helm of real estate and mortgage brokerage firms, an ownership that endured for a decade. Her expertise found another avenue as she dove into teaching State-certified Real Estate Classes for eight years. A pivotal shift led her to prominent roles in large banks, where she honed her specialization in Down Payment Assistance over 15 years. Further diversifying her experience, she spent four years in Wealth Management divisions, contributing her skills and insights. Amid this journey, Carolyn found her professional home at Points West Community Bank, drawn by the synergy with clients, admirable management ethos, and the flexibility extended to customers.
Beyond Carolyn’s professional pursuits, she engages in outdoor activities like hiking, camping, fishing, kayaking, and snowshoeing. She is poised to welcome an electric bike into her array of hobbies soon. Additionally, Carolyn takes an interest in theatre performances, music, and comedy shows, rounding out a life lived fully both inside and outside the realm of finance.
"Carolyn worked every possible option for our refinance. She far exceeded expectations and went above and beyond to make sure we got the best deal. Most importantly, I had the confidence she actually cared and just wasn’t making a deal that was not in our best interest. I would highly recommend her to anyone!"