A Better Choice Mortgage

Colorado's Best Mortgage Experience / Lowest Rates and Hassle-Free Experience

Financial services in Centennial, CO (show on map)

5.0

★★★★★

29 reviews

Denver-based wholesale mortgage broker offering conventional, FHA, VA, USDA, and jumbo loans with the lowest rates in the industry.

Call (720) 214-2898

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About

A Better Choice Mortgage (dba HS Financial Services, Inc., NMLS 374347) is a locally owned and operated wholesale mortgage broker in Denver, CO with over 15 years of experience. They provide custom loan solutions at the lowest available rate with a comfortable, stress-free, and easy experience.

As a wholesale mortgage broker with multiple lending partners, they offer fixed rates, adjustable rates, and repayment terms from 10-30 years. Programs include FHA, VA, USDA, conventional, and jumbo loans with rates as low as 1-3% down payment options. Application to closing table in as little as 14 days.

15+ years of local Colorado experience

Wholesale mortgage broker - lowest rates in industry

No upfront fees

Close loans in as little as 14 days

Only licensed in Colorado - local expertise

Unique program where lender pays mortgage insurance for some conventional loans

1-3% down payment programs available

Services

Conventional Mortgages

Conventional loans backed by private entities with credit score requirements of 620+ (760+ for best rates in Denver market).

Credit Score 620+ 3-20% Down Payment No PMI Options

FHA Loans

Federal Housing Administration backed loans with lower barriers to entry - 3.5% down with 580+ credit score.

3.5% Down Credit Score 580+ Flexible Underwriting

VA Loans

Department of Veterans Affairs backed loans for active duty service members, veterans, and surviving spouses with 0% down payment.

0% Down Certificate of Eligibility Competitive Rates

USDA Guaranteed Loans

US Department of Agriculture loans for properties in rural and eligible suburban areas with 0% down and low interest rates.

0% Down Rural Areas Income Limits Apply

Jumbo Mortgages

Loans for properties exceeding conventional loan limits ($529,000 in Denver market) with 15-30% down payment requirements.

High Value Properties 10% Down Option Available 700+ Credit Score

Refinance Services

Refinance rates tracked across multiple lenders daily to ensure the lowest rate possible for eliminating mortgage insurance, consolidating debt, or shortening repayment terms.

Rate Tracking Cash Out Options MI Elimination

Credentials & Certifications

NMLS 374347

Reviews

Rating

★★★★★

Reviews

"Rick is professional, experienced and quick."

Frequently Asked Questions

What makes A Better Choice Mortgage different? +

They are a small, local wholesale mortgage broker that keeps overhead low and passes savings onto clients. They offer the lowest rates in the industry with a streamlined loan process and personalized service.

How fast can they close loans? +

They can close loans in as little as 14 days with regular closings typically under 30 days.

What loan programs do they offer? +

They offer FHA, VA, USDA, conventional, and jumbo loans with fixed and adjustable rates and repayment terms from 10-30 years.

What down payment options are available? +

They have programs with as little as 1-3% down payment. For conventional loans with less than 20% down, they have a unique program where the lender pays the monthly mortgage insurance premium.

What is their NMLS number? +

NMLS 374347

What areas do they serve? +

They are only licensed in Colorado and only help Colorado homeowners. They serve the Denver market and surrounding Colorado areas.