Name: The Tim Hawkes Team And Cherry Creek Mortgage. Descripton:WWW.THETIMHAWKESTEAM.COM By partnering with Cherry Creek Mortgage, we have access to 100's of investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, and VA. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we can help! PURCHASES A home purchase is one of the largest investments that you will ever make. We are here to help you choose the best options for this lifetime investment. We can help you determine how much money to spend on a home based on your income and other expenses. Owning a home should be a pleasant experience. As a general rule of thumb, when purchasing a home your monthly payment shouldn't be more then 30% of your monthly income (before taxes). We are here to help ease the stress of purchasing a home. We are happy to take the time to sit down with you and go over all the options! REFINANCING Refinancing is one of the easiest ways to save money on your mortgage. Most refinances take around 30 to 60 days. We are very experienced in no cost refinances to help you lower your rate and monthly payment with out having to pay anything at closing! When you refinance not only do you lower your monthly payment, but you also skip a payment the month after you refinance. Refinancing is the one simplest ways tosave money. REVERSE MORTGAGES Reverse mortgage loan advances are not taxable, and generally do not affect Social Security or Medicare benefits. You retain the title to your home and do not have to make monthly payments. The loan must be repaid when the last surviving borrower dies, sells the home, or no longer lives in the home as a Primary residence. In the HECM program, a borrower can live in a nursing home or other medical facility for up to 12 months before the loan becomes due and payable.