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Automated and Local Underwriting
We have an automated underwriting system which, in most cases, will provide you with a lending decision within 24 hours of receipt of your completed application! For loans that require traditional underwriting, our staff has two experienced, local underwriters who understand our markets and who are better able to make quick lending decisions than someone from out of the area.
"No Documentation" and "Stated Income" Loans for Salaried and Self-employed Individuals: We have several programs where primary emphasis is placed on excellent credit, loan-to-value and post closing reserves.
Quick Start
When you decide to build your home, Alpine Bank offers a combination construction and permanent loan with one fee and one application. Your builder will enjoy our easy draw system designed to keep your project on schedule and you'll enjoy the money you'll save by having your two loans serviced by the local Alpine Bank of your choice.
High Loan-to-Value Program
We offer qualified individuals up to 97% financing. This means you can buy more home! And you can use gift funds for the 3% down payment. You do not have to be a first-time home buyer for this program.
CHFA and VA/FHA 100% Financing
Qualified first-time home buyers may be eligible for 100% financing under our VA or FHA programs with additional cash assistance from the Colorado Housing and Finance Authority (CHFA). Certain guidelines apply.
Energy Rated Home Loans
Alpine Bank is certified by Energy Rated Homes of Colorado which lets you qualify for a larger loan amount and decreases your monthly utility bill!
Credit Problem Loans
We offer special programs for individuals with past credit problems or high income-to-expense ratios.
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