You Need An Expert. . . When You're In The Jumbo Mortgage Market

Jumbo Loans deserve a jumbo commitment to service and selection. How do you find the right lender with the right program for you and competitive interest rates? How can you be sure you'll receive fast, efficient processing and underwriting, with a minimum of inconvenience on your part?

We'd like to help. Here at Gilpin, we've been providing Jumbo Loans to homeowners since 1941. Our experience counts. You can rest assured we'll seek the best program because we work with a variety of investors to find the product that meets your needs.

Gilpin Mortgage has a real commitment to service. We always remember that we work for you the customer. Our Loan Officers will take your application at your convenience. . .on line, in your home, your office, our office or over the phone. Then we'll keep in touch with you throughout the process, keeping you informed as to the status of your loan.

If you're interested in getting this behind you. . .fast. . .ask your Loan Officer about Gilpin FastTrack, our state-of-the-art automated underwriting system. With the proper documentation at application, we can approve your loan in a matter of days, if not hours. . .not weeks or months.

Now To The Programs:

• 30-Year Fixed – Up to 95% Loan to Value (LTV) available. (Ask about 97%, 100% & 103% financing)
• 80/10/10 – (10% down, 10% second to avoid mortgage insurance premiums.)
• Financed Mortgage Insurance - Available with many of our programs to reduce your monthly payment.
• 15-Year Fixed – The rate advantage program. Build equity fast.
• Relocation Programs – Trailing spouse income program, mortgage insurance reduction program, special rates through our investors.
• Direct Billing for Corporate Transferees – Gilpin will bill your company for your closing costs so you avoid the reimbursement paperwork.
• Adjustable Rate Mortgages (ARM) – 6-month, 1 year, 3/1, 5/1, 7/1, 10/1, COFI (Cost of Funds Index), Libor (London Inter-Bank Offered Rate). Additional ARM products available as well.
• No-Income Verification Programs
• Bridge/Swing Loans – (Restrictions apply). See your Gilpin Loan Officer for details.
• New Construction Programs
  - Extended rate locks
  - Construction loans
  - Lot loans
  
• Sub-Prime Lending – Credit issues? Through our Special "B" and "C" credit programs, we can help credit-challenged borrowers.