Financing

Why Choose Colten Mortgage as Your Preferred Lender?

Seamless Closings
We handle your closing from start to finish, ensuring a smooth experience tailored to your needs.

Experience is Key
Colten Loan Officers have closed hundreds of Lokal Homes transactions. Familiarity with the new construction is critical to a smooth stress-free
transaction.

Expert Knowledge
Our trusted partnership means we’re well-versed in all aspects: title, HOAs, property taxes, survey fees, and more.

Competitive Rates
Explore a wide range of mortgage options: Conventional, FHA, VA, Reverse, and Non-Conventional Loan Products to Purchase—designed to suit your financial goals.

Efficient Communication
Weekly collaboration with Lokal Homes’ teams means you’ll stay informed, leading to timely, efficient closings—often ahead of schedule!

Client-Centric Focus
At Colten Mortgage, our clients come first. We’re dedicated to making your home-buying journey exceptional.

Benefits of Choosing Colten Mortgage

Unique Programs - Credit Solutions Team 
The Colten Mortgage Credit Solutions Department works with all buyer types to increase their credit position, whether they are non-qualified, underqualified, or well qualified buyers looking to hedge against a rising rate environment during the home building process.

Flexible Lock Options
Enjoy accessible lock extensions with an extra 7 days free after expiration, plus long-term locks of 6, 9, or 12 months to protect against market
fluctuations.

Free Refinancing Solutions
Experience a streamlined refinancing process with no origination fees and fast approvals. Lock in favorable interest rates to maximize your savings and reduce your monthly payments.

Builder Incentives
Mortgage rate buydowns and closing cost assistance. Learn more at Promotions | Lokal Homes

Lokal Pathways Program

Lokal Pathways, offered by Colten Mortgage and designed specifically for Lokal Homes buyers, goes beyond an initial credit consultation to provide ongoing, personalized support tailored to the long-term needs of homebuyers. At the core of this program is the Colten Mortgage Credit Solutions Team, which serves as a central, secure repository for all things credit-related and is dedicated to helping buyers navigate the credit landscape over time.

While the first step of Lokal Pathways introduces buyers to the Credit Solutions Team for an in-depth analysis of their credit profile, the program extends far beyond that initial consultation. Lokal Pathways is designed to be a long-term, evolving resource, especially for buyers who may need more sustained assistance in improving their credit and preparing for homeownership. The team works with you over time to create a customized plan that adapts to your unique needs, goals, and financial situation.

The Credit Solutions Team provides continuous guidance and support, helping buyers adjust their credit over the course of several months or even years, depending on the buyer’s individual timeline. This approach ensures that even those who may need longer-term help—whether due to past credit issues or evolving financial circumstances—are empowered to improve their credit at a pace that suits them.

The program is also tailored to address the specific needs of buyers in the context of purchasing a home. As the market fluctuates and interest rates change, Lokal Pathways helps buyers not only improve their credit but also protect against rising mortgage rates, ensuring they are in the best possible financial position when it’s time to make an offer. Whether you're working to increase your credit score, reduce debt, or better understand your financial options, Lokal Pathways is here to provide personalized and expert assistance every step of the way.

By offering this unique, ongoing support, Lokal Pathways empowers buyers to make lasting improvements to their credit and ensures they are fully prepared for a successful home purchase when the time is right. With no cost to the buyer, this long-term, personalized program ensures that all Lokal Homes buyers—whether in the early stages or closer to closing—have the tools and support they need to reach their homeownership goals.

How the Long-Term Credit Journey Program Works:

Personalized Credit Analysis: Our in-house credit team begins with an in-depth review of your credit, identifying areas of focus and opportunities to strengthen your financial profile.

Customized Roadmap: Based on your unique situation, we'll design a tailored action plan with clear steps and achievable milestones.

Dedicated Guidance and Support: Throughout the journey, we provide regular check-ins, resources, and tools to help you stay on track,
celebrating small wins along the way.

Progress Updates and Adjustments: Every few months, we review your progress, adjusting the plan to ensure you’re on the right path toward
homeownership.

Colten Mortgage, LLC NMLS 14210 - 6021 S. Syracuse Way, Ste. 104, Greenwood Village, CO 80111 - is a division of All Western Mortgage
Inc. NMLS 14210 - 8345 West Sunset Road Suite 380 Las Vegas, Nevada 89113. All borrowers subject to credit qualifications. Not all borrowers will qualify as certain restrictions apply on all programs. The information contained in this material is not a guarantee to extend credit or lend. Terms and conditions are subject to change without notice - Equal Housing Lender.