Preferred Mortgage Lending: David Hutton, Mortgage Broker

Financial services in Aurora, CO (show on map)

5.0

★★★★★

40 reviews

Preferred Mortgage Lending offers a wide range of mortgage solutions including purchase, refinance, and specialized loan programs for diverse borrower needs.

Call (303) 596-3835

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About

Preferred Mortgage Lending is committed to quality customer service and expertise in residential lending. They offer a variety of loan programs such as adjustable rate, commercial, construction, conventional, FHA, foreign national, jumbo, non-QM, refinance, reverse mortgage, USDA, and VA loans.

The company emphasizes personalized service, competitive rates, and a seamless loan process, supported by a team of knowledgeable professionals.

Wide range of loan programs

Expertise in specialized loans (VA, USDA, DSCR, Non-QM)

Personalized customer service

Extensive experience in residential lending

Services

Adjustable Rate Loans

Mortgages with interest rates that can change over time based on market conditions.

Variable interest rates Potential for lower initial rates Rate adjustments periodically

Commercial Loans

Financing solutions for businesses to acquire or develop commercial real estate.

Higher loan amounts Longer repayment terms Flexible use of funds

Construction Loans

Short-term loans to finance the construction or renovation of residential or commercial properties.

Staged disbursements Conversion to permanent mortgage Focus on project progress

Conventional Loans

Standard mortgage loans that conform to guidelines set by Fannie Mae and Freddie Mac.

Typical down payment requirements Competitive interest rates Flexible loan terms

DSCR Loans

Commercial real estate loans that focus on the property's ability to cover debt payments through its income.

Income-based qualification Flexible for investment properties Supports cash flow analysis

FHA Loans

Government-backed mortgages designed to help low-to-moderate income borrowers with smaller down payments.

Lower down payment requirements Flexible credit criteria Insured by FHA

Credentials & Certifications

NMLS: 2244423

Preferred Mortgage Lending Professional

Reviews

Rating

★★★★★

Reviews

"He is extremely knowledgeable and helped me through every step."

Frequently Asked Questions

What are the benefits of a VA loan? +

VA loans offer zero down payment, competitive interest rates, and no private mortgage insurance for eligible veterans and service members.

How does a DSCR loan work? +

DSCR loans focus on the property's ability to cover debt payments through its income, making them suitable for investment properties with strong cash flow.

What is a non-QM loan? +

Non-QM loans provide financing options for borrowers with non-traditional income or credit profiles, offering flexibility beyond standard Qualified Mortgage guidelines.

What are the requirements for a USDA loan? +

USDA loans are designed for rural and suburban areas, requiring no down payment and focusing on income and property location eligibility.

How does the refinance process work? +

Refinancing involves replacing an existing mortgage with new terms, often to lower interest rates or access home equity, following an assessment of current loan and borrower's financial situation.

What is a reverse mortgage? +

A reverse mortgage allows homeowners aged 62 or older to convert home equity into cash without monthly mortgage payments, with the loan repaid upon sale or occupancy change.