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Mortgage Broker Denver CO | Home Loans | Front Range Mortgage

Are you ready to purchase or refinance a home in CO? In Denver call (303) 500-1900 for your free consultation and get pre-qualified in one hour.

Denver Office:

(303) 500-1900
(719) 540-2020
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HARP – Home Affordable Refinance Program Colorado Mortgage Refinancing

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Buy a Home in Denver Colorado

The HARP Loan Program

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Free Credit Review & Consultation With a Colorado Consumer
Law Attorney

(303) 524-9907

The Home Affordable Refinance Program (HARP) is available until June 10, 2010 and allows home owners to refinance into low mortgage interest rates even if they’re property value has gone down. This Refinance Program (HARP) loans will not only make monthly mortgage payments more manageable, but HARP loans will also help in the prevention of the devastating effects of foreclosure.

For the mortgage holder who’s not in dire financial straits, but can’t take advantage of lower interest rates due to negative home equity, this loan program can help. The government-refinancing program uses current mortgage rates and the rates are fixed over a 30-year period. HARP is especially beneficial for homeowner’s that are facing variable adjusted interest rate.

HARP Mortgage Refinancing Qualifications:

  • The current mortgage loan must be owned or guaranteed by Freddie Mac or Fannie May
  • The amount still outstanding on the first mortgage cannot be more than 125% of the current market value.
  • The current mortgage payments must be current and no late payments over 30 days in the last 12 months.
  • The homeowner(s) must be able to make the refinanced payments, Income to debt ratio.
  • The new mortgage needs to improve the stability of the loan
  • The homeowner(s) must be the current owner of one-to-four unit home

Click to View Details of the

Home Affordable Refinance Program

Home Affordable Refinace Questions

Home Affordable Refinance Options

Making Home Affordable FAQ’s

If there is a second mortgage on the home, the additional mortgage cannot be combined with the first mortgage. The 125% of value to equity rule still applies, but only to the first mortgage. The second mortgage will not disqualify the homeowner.

Let Front Range Mortgage assist you into getting a lower mortagage payment. The flexibility within HARP loans allows for the refinance process to be quicker, smoother and more cost-effective for the borrower.

Talk with us at in Denver at (303) 500-1900 or in Colorado Springs at (719) 540-2020 to speak to one of our loan specialists.

What Our Clients Are Saying

Front Range Mortgage
Front Range Mortgage
4.8
Based on 25 reviews
Write a review
J Caffey
J Caffey
02:26 09 Jul 25
I had an amazing experience working with Brian at Front Range Mortgage! As a veteran using my VA loan, I really appreciated how knowledgeable Brian was about the entire process. He made sure I understood all of my benefits and helped me get the most out of my VA loan with zero hassle.What stood out the most was Brian’s exceptional communication. He was always quick to respond, kept me in the loop every step of the way, and explained everything clearly so there were no surprises. The process was smooth, efficient, and completely stress-free.If you’re a veteran looking to buy a home, I highly recommend Front Range Mortgage and Brian. You won’t find better service, support, or professionalism anywhere else. Five stars all the way!
Mathew Pellegrini
Mathew Pellegrini
23:30 05 Jun 25
Brian and his team were very helpful, especially with solving hurdles we experienced during a recent home buy. They made the experience very easy regardless. They also got me very good terms and helped with my minimal funds needed for down payment. I'll be working with Front Range again as soon as I have to ability to refinance to a lower rate!
Cynthia Gonzalez
Cynthia Gonzalez
18:42 03 Jun 25
Brian and team were awesome to work with for our refinance. Fast and easy process. This is my third time using their services.
Ethan Tait
Ethan Tait
15:54 20 Apr 23
Great experience from start to finish with Brian and his team. Constant communication, provided all the options available to us, and made the process seamless as can be. Walked us through every step in the process, if something did come up he was quick to communicate and provide all the information we needed to make an educated decision. 10/10 would recommend and we will hopefully be working with Brian and his team again in the future.
Michael Kearns
Michael Kearns
17:23 18 Apr 23
I'm a REALTOR in Denver, CO. Brian Murphy and his team at Front Range Mortgage have helped two of our clients purchase new homes. Both transactions closed on time, good interest rates, and with no drama! Great job!
Alex
Alex
01:45 16 Mar 23
This was my first time applying for a Mortgage, and I'm glad to have chosen Front Range. Professional, kind, and quick service got us cleared to close in about 2 weeks. The whole process went very smoothly, so big thanks to Brian and Ryan for working with me and always being available to answer my questions along the way.
David Day
David Day
21:11 19 Aug 22
They were professional, positive and great to work with. Going through a mortgage process is never fun, but they were fast, efficient and on top of the process through the whole thing.We closed on time with no issues. I highly recommend them!
Robert Evans
Robert Evans
01:09 19 Jul 22
Called Front Range Mortgage and Brian answered. A few questions later we had the basics done and within 2 or 3 weeks it was a done deal! Was never passed over to anyone else until the final closing documents. Brian was available for all questions and was quick to respond. Definitely recommend
Sherry Nelson
Sherry Nelson
21:53 15 Jul 22
I wanted to share this company front range mortgage is the best!there very helpful and understanding ryan and brian we really like how professional they are and to the point!i would give them A 100 percent recommend refiance threw this company.
Maverick Boch
Maverick Boch
12:14 30 Jun 22
I have had the pleasure of working with Front Range Mortgage and Brian personally for over a year now. Their team is committed to helping their clients find the right mortgage solution for their financial needs. All while providing an industry leading lending experience. Anyone looking for a mortgage in Colorado I suggest reaching out to Front range mortgage today!
patrick driscoll
patrick driscoll
22:51 29 Jun 22
Brian and his team are a valuable client and an excellent choice to handle your next mortgage transaction.
Joe Conway
Joe Conway
20:49 29 Jun 22
Easy transaction. Buyers were surprised at the smoothness. Responsive team.Very pleased with this lender. Highly recommend.
Timothy Scholes
Timothy Scholes
21:18 19 Jun 22
Dennis Linn
Dennis Linn
18:26 18 Aug 21
We had a great experience at Front Range. Victoria took excellent care of us and we got a tremendous rate. I had a little trouble but they worked right through it without a hitch.If I ever re-fi again I’ll be right back here to do it.Thanks
CindyJo Abbott
CindyJo Abbott
03:51 15 Aug 21
I work with Victoria and Brian as a loan closing specialist. I have received so much POSITIVE feedback about how much everyone loves working with both of them. I always have a great conversation and extreme professionalism is always at the forefront.If you need/want to refi, go through a home purchase, etc … and are unsure where to go or who to talk to, look no further than Front Range Mortgage with Victoria or Brian …. You never know, you might get lucky and have me conduct your closing. ☺️😉
Clemente Galang
Clemente Galang
01:32 01 Feb 21
They were there when I needed them the most.
Mark Thompson
Mark Thompson
17:13 25 Jan 21
Dominic Lupori
Dominic Lupori
15:59 25 Jan 21
great people, super fast, pleasant experience
John B
John B
01:51 23 Jan 21
Matt Hayden
Matt Hayden
01:10 23 Jan 21
I have used Front Range Mortgage for several VA mortgage refinances. Each time they provide detailed comparisons of my options. The customer service is second to none and closing is a breeze! Victoria and Ryan had my loan closed and funded in less than 10 days!
rlrpjr1914
rlrpjr1914
23:40 22 Jan 21
Derek De Poy
Derek De Poy
23:39 22 Jan 21
Wiley Long
Wiley Long
00:14 16 Apr 20
Brian is the utmost professional. If you want no-hassle fast service and someone who will work in your interests, this is the place.
Mike Searls
Mike Searls
13:39 31 Mar 20
Front Range Mortgage does an amazing job - an advocate for their clients. The entire team is first rate and they really care. I highly recommend.
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J Caffey
J Caffey
02:26 09 Jul 25
I had an amazing experience working with Brian at Front Range Mortgage! As a veteran using my VA loan, I really appreciated how knowledgeable Brian was about the entire process. He made sure I understood all of my benefits and helped me get the most out of my VA loan with zero hassle.What stood out the most was Brian’s exceptional communication. He was always quick to respond, kept me in the loop every step of the way, and explained everything clearly so there were no surprises. The process was smooth, efficient, and completely stress-free.If you’re a veteran looking to buy a home, I highly recommend Front Range Mortgage and Brian. You won’t find better service, support, or professionalism anywhere else. Five stars all the way!
Mathew Pellegrini
Mathew Pellegrini
23:30 05 Jun 25
Brian and his team were very helpful, especially with solving hurdles we experienced during a recent home buy. They made the experience very easy regardless. They also got me very good terms and helped with my minimal funds needed for down payment. I'll be working with Front Range again as soon as I have to ability to refinance to a lower rate!
Cynthia Gonzalez
Cynthia Gonzalez
18:42 03 Jun 25
Brian and team were awesome to work with for our refinance. Fast and easy process. This is my third time using their services.
Ethan Tait
Ethan Tait
15:54 20 Apr 23
Great experience from start to finish with Brian and his team. Constant communication, provided all the options available to us, and made the process seamless as can be. Walked us through every step in the process, if something did come up he was quick to communicate and provide all the information we needed to make an educated decision. 10/10 would recommend and we will hopefully be working with Brian and his team again in the future.
Michael Kearns
Michael Kearns
17:23 18 Apr 23
I'm a REALTOR in Denver, CO. Brian Murphy and his team at Front Range Mortgage have helped two of our clients purchase new homes. Both transactions closed on time, good interest rates, and with no drama! Great job!
Alex
Alex
01:45 16 Mar 23
This was my first time applying for a Mortgage, and I'm glad to have chosen Front Range. Professional, kind, and quick service got us cleared to close in about 2 weeks. The whole process went very smoothly, so big thanks to Brian and Ryan for working with me and always being available to answer my questions along the way.
David Day
David Day
21:11 19 Aug 22
They were professional, positive and great to work with. Going through a mortgage process is never fun, but they were fast, efficient and on top of the process through the whole thing.We closed on time with no issues. I highly recommend them!
Robert Evans
Robert Evans
01:09 19 Jul 22
Called Front Range Mortgage and Brian answered. A few questions later we had the basics done and within 2 or 3 weeks it was a done deal! Was never passed over to anyone else until the final closing documents. Brian was available for all questions and was quick to respond. Definitely recommend
Sherry Nelson
Sherry Nelson
21:53 15 Jul 22
I wanted to share this company front range mortgage is the best!there very helpful and understanding ryan and brian we really like how professional they are and to the point!i would give them A 100 percent recommend refiance threw this company.
Maverick Boch
Maverick Boch
12:14 30 Jun 22
I have had the pleasure of working with Front Range Mortgage and Brian personally for over a year now. Their team is committed to helping their clients find the right mortgage solution for their financial needs. All while providing an industry leading lending experience. Anyone looking for a mortgage in Colorado I suggest reaching out to Front range mortgage today!
patrick driscoll
patrick driscoll
22:51 29 Jun 22
Brian and his team are a valuable client and an excellent choice to handle your next mortgage transaction.
Joe Conway
Joe Conway
20:49 29 Jun 22
Easy transaction. Buyers were surprised at the smoothness. Responsive team.Very pleased with this lender. Highly recommend.
Timothy Scholes
Timothy Scholes
21:18 19 Jun 22
Dennis Linn
Dennis Linn
18:26 18 Aug 21
We had a great experience at Front Range. Victoria took excellent care of us and we got a tremendous rate. I had a little trouble but they worked right through it without a hitch.If I ever re-fi again I’ll be right back here to do it.Thanks
CindyJo Abbott
CindyJo Abbott
03:51 15 Aug 21
I work with Victoria and Brian as a loan closing specialist. I have received so much POSITIVE feedback about how much everyone loves working with both of them. I always have a great conversation and extreme professionalism is always at the forefront.If you need/want to refi, go through a home purchase, etc … and are unsure where to go or who to talk to, look no further than Front Range Mortgage with Victoria or Brian …. You never know, you might get lucky and have me conduct your closing. ☺️😉
Clemente Galang
Clemente Galang
01:32 01 Feb 21
They were there when I needed them the most.
Mark Thompson
Mark Thompson
17:13 25 Jan 21
Dominic Lupori
Dominic Lupori
15:59 25 Jan 21
great people, super fast, pleasant experience
John B
John B
01:51 23 Jan 21
Matt Hayden
Matt Hayden
01:10 23 Jan 21
I have used Front Range Mortgage for several VA mortgage refinances. Each time they provide detailed comparisons of my options. The customer service is second to none and closing is a breeze! Victoria and Ryan had my loan closed and funded in less than 10 days!
rlrpjr1914
rlrpjr1914
23:40 22 Jan 21
Derek De Poy
Derek De Poy
23:39 22 Jan 21
Wiley Long
Wiley Long
00:14 16 Apr 20
Brian is the utmost professional. If you want no-hassle fast service and someone who will work in your interests, this is the place.
Mike Searls
Mike Searls
13:39 31 Mar 20
Front Range Mortgage does an amazing job - an advocate for their clients. The entire team is first rate and they really care. I highly recommend.
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