Stephen Griffin
VP of Mortgage Lending

I am fortunate to have a career in helping families purchase one of their most important assets, their home. It's truly an honor to be at the closing table celebrating my client's new home purchase, especially when many of them never thought they would qualify or could afford it. Home ownership is much easier than most people realize. I have enjoyed a career in lending for nearly 17 years. This long-term history has given me the proven experience, knowledge, and consistency to being able to provide my clients with the best options and advice available. Although I continue to learn each day, my expertise allows me to put my clients in the loan that best fits their needs and goals while giving them a great rate and a low payment. At the end of the day, it's always about people, relationships, and doing what is right. To me, it comes down to loving and serving others well. We all like to work with the people we know, like, and trust. That is why I believe in integrity, transparency, and being dedicated to excellence. If you would like to know more about purchasing a home, please reach out. I always come with a smile and approachable personality! If you are a real estate agent and would like to know more about how I can help with growing your business and providing smooth closings for our client's, I welcome a conversation to see if we are a good fit. My personal life: I grew up in a small town in Georgia. Nearly 18 years ago I moved to Colorado to pursue my passion for the outdoors and amazing mountains. I enjoy biking, hiking, camping, skiing, and swimming. I am very involved with my family, friends, local community, and church. If you would like to know more about how I can serve you, please reach me by phone, text, or email.

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.