Residential Mortgages 2018-04-09T17:52:48+00:00

Residential Mortgage Services

Our residential mortgage team is driven to help you achieve your home ownership goals. Not only do we offer a wide variety of traditional mortgage loan products including Conventional, FHA, USDA and VA loans, but our unique relationships with our credit union partners allow us to provide unmatched product flexibility and competitive rates.

Whether you are looking to purchase a new home, refinance your existing one or just want to know if you qualify for a mortgage, our experts are here to walk you through your options.

Flexibility may be the key to your purchase or refinance. 

Centennial Lending partners with literally dozens of credit unions. We can’t promise you a mortgage, but can offer an enviable level of flexibility. Want to learn more? Call now and speak to a real live expert you can trust. (720) 494-2740.

Centennial Lending Offers a Variety of Residential Mortgage Products

Click here to get a personalized online rate quote.

FHA, USDA  &  VA

These programs have special requirements and benefits.

Eligible borrowers can benefit from reduced down payment requirements.


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For A Personalized Quote

30 Year Fixed

Our most popular loan product. Why?

Today's Rate: 4.625%
APR*: 4.837%


A conventional 30 year mortgage provides the convenience of a lower payment as well as a fixed rate.

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For A Personalized Quote

15 Year Fixed

For those wanting to pay off their mortgage fast.

Today's Rate: 4.125%
APR*: 4.488%


 A 15 year mortgage generally carries a higher payment, but may result in less total interest paid.

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For A Personalized Quote

*APR based on the following factors: Conventional: 30 year or 15 year amortization with a fixed rate on a primary residence at 60% loan-to-value. FHA: 30 year fixed rate on a primary residence at 96.5% loan-to-value. VA: 30 year fixed rate on a primary residence at 100% loan-to-value with first-time use, full entitlement benefits. Please note that the rates listed and their correspondingly linked terms do not constitute an official Loan Estimate. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

The Process

You’ll provide information about your existing or future home as well and personal financial information. Or, you can request a pre-approval by simply providing personal financial information.

In either case, once you submit your application our experts will go to work; reaching out to you within 3 business days with a loan decision including options based on your specific needs.

And don’t worry if you have questions while filling out your application. You can call any time during normal business hours to speak to a real live expert.

In the event that you requested and were granted a pre-qualification we will send you a pre-qualification letter and you’re ready to go house shopping. Let us know when you have found your future home and we will take the next steps.

The next steps: If your initial application included specific information about your new home, we will send you required disclosures as well as a checklist containing items and actions necessary to complete your application. During this time you will work together with our residential mortgage team to ensure that your loan is approved, processed and ready to close on time.

Once your loan receives final approval, we will contact you to schedule a closing date. In the event of a purchase we will also contact the real estate broker and seller to coordinate the closing schedule with all parties.

The closing can take place at a title company in your area, at your credit union or in your home. In some cases a remote closing or power of attorney can be arranged. In short, the circumstances of the closing will be based on specific needs and wishes.

You will hear from your loan expert a few days before closing to discuss final details. And of course you can contact us anytime during the process with questions or concerns.

Now that your loan is closed it’s time to start enjoying your new home; knowing that your mortgage is in good hands.

In most cases Centennial Lending will service your loan internally. You don’t have to worry about your loan being sold from one financial institution to another which means you’ll always have access to a real live Centennial Lending expert when you have questions or concerns about your loan. No phone trees, no more being transferred to countless extensions, just good old fashioned personal service!

So easy! Kept us up to date on everything. We knew exactly what to anticipate and I would highly recommend them.

Shannon S.

Centennial Lending helped us out when few others would. Thank you much.

Jared F.