Your clear path to home ownership.
OUR TRUSTED ADVISORS
David Stephenson
Manager & Senior Mortgage Advisor
NMLS #181057
LOAN PROGRAMS
Mortgage Options for Different Goals
Purchase Loans
Guidance for buyers preparing to purchase a home.
Refinancing
Review current mortgage goals and available refinance options where appropriate.
Conventional
Traditional mortgage options for qualified borrowers.
FHA
Government-backed financing for eligible borrowers.
VA
Home-loan options for eligible veterans, service members, and qualifying borrowers.
Jumbo
Financing for eligible loan amounts above conforming loan limits.
THE PROCESS
Know What Comes Next
Start the Conversation
Discuss goals, timing, property plans, and financing questions.
Review Your Options
Evaluate relevant mortgage programs and requirements.
Prequalify / Apply
Complete appropriate borrower information and documentation.
Move Toward Closing
Stay informed as the loan moves through the required lending process.
NORTHERN COLORADO
Northern Colorado Is Home
NCMC Mortgage is rooted in the Northern Colorado community. We serve homebuyers and homeowners in Loveland, Fort Collins, Greeley, Windsor, and the surrounding region — bringing local knowledge and personal service to every mortgage conversation.
RESOURCES
Mortgage Decisions Start With Better Information
Preparing to Buy
Understanding your financial position, credit, and readiness before beginning the home search.
Learn moreUnderstanding Loan Types
An overview of conventional, FHA, VA, and jumbo mortgage programs and how they differ.
Learn moreRefinancing Basics
What refinancing involves, when it may make sense, and what to expect from the process.
Learn moreThe Mortgage Process
A step-by-step look at what happens from application through closing.
Learn moreCommon Documentation
An overview of the documents typically required during the mortgage application process.
Learn moreReady to Talk About Your Mortgage Options?
Connect with NCMC Mortgage to discuss your home purchase or refinance goals and determine the appropriate next step.