As an employee of Cobiz Bank National Association, I can provide you with detailed information about our mortgage loan products and services. Here are some key features that distinguish our offerings: 1. Variety of Loan Programs: We offer a wide range of mortgage loan programs to cater to the diverse needs of our customers. These include conventional loans, FHA loans, VA loans, jumbo loans, and fixed-rate mortgages. 2. Competitive Rates and Fees: Our interest rates and fees are competitive with those offered by other financial institutions in Denver. We strive to provide affordable mortgage solutions that help our customers achieve their homeownership goals. 3. Customizable Loan Terms: We understand that every customer has unique financial needs and preferences. That's why we offer customizable loan terms, allowing you to choose the repayment period that best suits your situation. Our available loan terms range from 10 to 30 years. 4. Personalized Customer Service: At Cobiz Bank National Association, we prioritize personalized customer service. We work closely with our customers throughout the mortgage process, providing guidance and support every step of the way. Our dedicated mortgage specialists are always available to answer your questions and address any concerns you may have. 5. Streamlined Application Process: Applying for a mortgage loan can be time-consuming and stressful. To make the experience as smooth as possible, we offer an online application process that allows you to conveniently submit your loan application from the comfort of your own home. Our streamlined application process ensures that your mortgage loan is processed quickly and efficiently. 6. Preapproval Services: Before you start house hunting, it's essential to know how much you can afford to borrow. That's why we offer preapproval services that help you determine your borrowing capacity and identify the best mortgage product for your needs. With a preapproval letter from Cobiz Bank National Association, you can show sellers that you are serious about purchasing a property. 7. Education and Resources: We believe that an informed customer is a happy customer. That's why we provide educational resources and tools to help our customers make well-informed decisions about their mortgage loan options. Our resources cover topics such as mortgage basics, loan types, and financial planning tips for homeowners. 8. Local Expertise: As a local bank in Denver, we have an intimate understanding of the housing market and real estate landscape in the area. This local expertise enables us to provide tailored mortgage solutions that meet the unique needs of our customers. 9. Community Focused: Cobiz Bank National Association is committed to supporting the communities we serve. We actively participate in various community outreach programs, such as financial literacy workshops and neighborhood revitalization initiatives. By choosing a mortgage loan from Cobiz Bank National Association, you are not only investing in your dream home but also contributing to the well-being of your community.