Why Choose Us?
There are many reasons to choose a Mortgage Lender. Francis Home Mortgage believes there are 3 significant values that separate us from our competition.
If you are seeking a Localized, Transparent mortgage financing experience that you can TRUST- then choose Francis Home Mortgage for your mortgage financing needs.
TRUST
Trust is the cornerstone of Francis Home Mortgage’s offering. As a borrower, you need to TRUST your mortgage lender and believe they have your best interests at heart. We will evaluate the Short Term, Mid Term and Long Term Pros and Cons of obtaining financing and then work with you hand in hand through the home financing process.
TRANSPARENCY
In a marketplace where Mortgage Companies avoid clear communication & honesty about loan costs, rates, etc., Francis Home Mortgage has developed a culture of Transparency. This means clear and concise delivery of our loan products at fair rates. We believe that YOU as the homebuyer should have access to relevant information to help you during the home financing process.
LOCAL
Francis Home Mortgage is a LOCAL company. More importantly, we act like a LOCAL company. In a marketplace that is becoming increasingly ‘Big Bank’, Francis Home Mortgage will take a deliberate approach to meeting your needs. This means answering your questions timely and in a concise manner.
Working with The Francis Team is always a pleasure! I refer my clients to them because I know they will be taken care of and the deal will get done! They find solutions for clients and go out of the way to help create a better financial position for my clients to be in as opposed to just selling them a home loan. I look forward to closing many more deals with The Francis Team!
Paul Hunter, Branch Manager, Realtor, Windermere Real Estate Fort Collins
My husband and I financed our house with the help of Mary and Kevin Francis. They were so helpful throughout the entire process. Buying a home can be stressful, but it didn't feel that way working with them. They got the best interest rate and financing for our home, and their personalities were delightful to work with. They seemed as genuinely happy as my husband and I when we signed the final documents! I would highly recommend working with Mary and Kevin, and if we ever have to buy a home again we will definitely be repeat customers!
Dr. Kathryn Radtke, DDS, Owner, Front Range Dental
Kevin is one of The Best when it comes to looking at a client's overall needs and options, and providing them with the best advice. He spends important time getting to know the clients and coaching them throughout the process. Kevin, Mary and their team genuinely care.
Jeanette Meyer, Principal, Meyer and Associates, ReMax Alliance
Kevin and Mary have helped me on 2 of my new home loans and on 2 additional refinances. There is a lot of dishonesty in the mortgage industry, but Kevin and Mary do not fall into this stereotype. They run their business with honesty and integrity, two things that are missing from a lot of businesses these days. Kevin gave me an estimate on all of the transactions that I have done with him, that ended up being less at closing. I cannot tell you how nice it is to find out that your monthly mortgage is going to be less than you are budgeting for! I have referred The Francis Team to my friends and family and I will continue to use them for all of my personal loans.
Jake Atchison, Home Buyer
We worked with Mary and Kevin to refinance our home and we loved the experience. Having been the process four other times with other lenders, this was the first time we felt like we had someone working on our side. They were straight forward, honest, and hardworking on our behalf. We closed on time, with no surprises. I appreciated working with local people that we trust, and who got us the best deal on the market.
Audra Brickner, Homeowner
My wife and I have refinanced our house twice with the help of Kevin and Mary, once in 2012 and again in 2015. I have been extremely pleased with both refinance experiences. One of the main reasons for my happiness is the fact that I knew what was occurring from the time I started the process to the end. You can be confident that Kevin and Mary are always working in your best interests as a customer. Kevin and Mary are a pleasure to work with and I will not hesitate to use them when we purchase a new home or to refer to friends and family.
Jason Froistad, Homeowner
Loan Types
VA Loans
VA loans are guaranteed by the United States Department of Veteran’s Affairs. VA Loans are designed to benefit the Veterans of the United States Armed Forces and their families. VA Loans have very low down payment requirements (zero down) and...
VA loans are guaranteed by the United States Department of Veteran’s Affairs. VA Loans are designed to benefit the Veterans of the United States Armed Forces and their families. VA Loans have very low down payment requirements (zero down) and allow for higher qualification standards. Additionally, VA loans are very competitively priced and are an excellent option for Veterans. VA loans are available in both fixed rate and adjustable rate options.
more infoFHA Loans
FHA Loans are Federal Housing Administration (FHA) insured mortgage loans. FHA is a division of HUD (Housing and Urban Development). Although FHA does NOT provide the funds for FHA loans, they do secure the risk with mortgage lenders. FHA loans...
FHA Loans are Federal Housing Administration (FHA) insured mortgage loans. FHA is a division of HUD (Housing and Urban Development). Although FHA does NOT provide the funds for FHA loans, they do secure the risk with mortgage lenders. FHA loans have many benefits including lower down payment requirements, higher qualification limits and competitive pricing. FHA loans are available in both fixed rate and adjustable rate options.
more infoConventional Loans
Conforming loans, also known as ‘Conventional Loans’ are loans that ‘conform’ to the guidelines established by Fannie Mae (FNMA) and Freddie Mac (FMCC). Fannie Mae & Freddie Mac are government sponsored private enterprises (publicly traded)...
Conforming loans, also known as ‘Conventional Loans’ are loans that ‘conform’ to the guidelines established by Fannie Mae (FNMA) and Freddie Mac (FMCC). Fannie Mae & Freddie Mac are government sponsored private enterprises (publicly traded) that ‘securitize’ mortgage back securities for the purposes of providing mortgage financing. Conforming Loans typically are for borrowers with stronger equity or down payment and stronger credit/income profiles. Conforming loans are available in both fixed rate and adjustable rate options.
more infoJumbo
Fannie Mae and Freddie Mac (government-sponsored enterprises) establish the limit of $453,100 ($625,000 in high cost counties) for conforming loans. Loans above this amount then qualify for Jumbo Financing. Jumbo Loans are to be...
Fannie Mae and Freddie Mac (government-sponsored enterprises) establish the limit of $453,100 ($625,000 in high cost counties) for conforming loans. Loans above this amount then qualify for Jumbo Financing. Jumbo Loans are to be utilized for High Purchase and/or High Value properties. Francis Home Mortgage offers Jumbo Loans ranging from $453,101 to $3,000,000 and loan terms including Fixed (30 Year, 20 Year and 15 Year) and Adjustable (5 Year, 7 Year and 10 Year).
more infoSelf-Employed
Self-Employed borrowers are defined within the mortgage industry as borrowers owning 25% or more of a business. This includes Sole Proprietorships (Schedule C), S-Corporations or LLC’s. Typically, Self-Employed borrowers have elaborate...
Self-Employed borrowers are defined within the mortgage industry as borrowers owning 25% or more of a business. This includes Sole Proprietorships (Schedule C), S-Corporations or LLC’s. Typically, Self-Employed borrowers have elaborate financial situations that the mortgage industry requires extensive documentation. Francis Home Mortgage specializes in helping Self-Employed borrowers and can analyze and understand elaborate financial situations.
more infoFirst Time
First Time Home Buyers have many questions and need direction to fulfill their dreams of homeownership. Although the home buying process can seem overwhelming, Francis Home Mortgage can help the First Time Homebuyer with clear and concise...
First Time Home Buyers have many questions and need direction to fulfill their dreams of homeownership. Although the home buying process can seem overwhelming, Francis Home Mortgage can help the First Time Homebuyer with clear and concise communication. And most importantly, structuring a mortgage loan that specifically meets the short and long term goals of the homebuyer. This includes establishing a ‘comfort’ payment amount and ‘desired’ cash to close amount prior to the contract phase of purchasing a home.
more info