a Division of American Pacific Mortgage Corporation NMLS 1850
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Denver is one of the most attractive markets in the U.S., so there may be a lot of competition when placing an offer on a home.

For buyers, there are ways to make their offer stand out. Some of the ways include being pre-qualified and backed by a reputable lender. Once you get under contract, however, the assurance that the loan will close on time is also important.

At Element Mortgage, we offer Denver home buyers two specialty loan programs that help speed up the closing process.

First, our Keys on Time* program allows for a 20-day close that comes with a full loan approval. This means that you will have full underwriting loan approval, which should assure there are little to no hiccups during the closing process.

Secondly, you can combine this with our SecureLock** program, which allows you to lock in your interest rate while you shop for a home. This way, you don’t need to worry about fluctuating interest rates during the buying process.

When these two programs are grouped together, around 90 percent of homes that are occupied by an owner qualify. This combination is ideal for move-up buyers and first-time buyers.

If you are looking to purchase real estate and need the transaction to happen quickly in order to make your offer stand out, or if you are simply in a hurry due to a life circumstance, don’t hesitate to contact us today to talk about your options.

*Not available in Oregon. The “Keys on Time” program is a limited guarantee that APMC will provide a credit to the borrower of $895 after the close of escrow if, due to some fault on the part of APMC, its originators or other APMC staff, a purchase transaction does not close until a date after the originally stated close of escrow date. The “Keys on Time” limited guarantee does not apply if the purchase transaction fails to close on or before the anticipated close of escrow date due to events/circumstances beyond APMC’s control, including but not limited to, delays caused by: an unacceptable or unexpectedly low appraisal value on the subject property, acts or omissions by the escrow or title company, second lien holder approvals, short sale approval, or loan conditions imposed by the lender that, despite reasonable diligence by APMC, are not met by any party in a timely manner. The “Keys on Time” limited guarantee trigger begins when the initial loan package is received by APMC’s Fulfillment center. The complete loan package must be received in the APMC Fulfillment center a minimum of 20 days prior to the COE date. Exclusions: The limited guarantee does not apply to the HARP program, reverse mortgages, FHA 203k, non-delegated jumbo products or any loans that require prior approval from an investor. The limited guarantee applies to purchase transactions only. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.

**To qualify for this program, APM must give full credit approval to all borrowers on the loan. There are specific terms for each lock, based on which variation of the SecureLock program is used. Eligible states include: Alaska, California, Colorado, Hawaii, Idaho, Kansas, Oregon, Texas, and Washington.

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