Who is Security Financial Services?

Residential Loans - We provide a variety of services that include home mortgages for a purchase, refinance, or debt consolidation.  We service Denver, Colorado Springs, and the rest of Colorado.  And if your needs require a loan for a property in another state; then we can assist you with a loan in any state. Click here to look at our current rates.  During this turbulent economic times, rates can vary day to day and week to week.  Pay close attention to the bond market as that tends to reveal what will happen to mortgage rates. 

Commercial and SBA Loans - We also can assist your business with an SBA loan or other types of commercial loans.  We have a variety of lenders that can be used to tailor your needs.  Keep in mind that SBA and Commercial loans can take much longer than a home mortgage to close.

Private Equity Loans - Is your credit not in a position to help you get the loan that you need?  I have a pool of approximately 20 lenders that will lend money if the loan makes sense.  We have experience providing loans for athletes that need a loan based on the contract they have with their team. 

Why Choose SFS? - In regards to your home mortgage, we are different than most mortgage companies.  We provide you a free and complete mortgage and credit analysis so that you can see just how much money you are saving.  That is where our "tag-line" came from.  We want you to "Feel Secure With Your Mortgage."  Otherwise we have not done our job.  We also have the lowest rates you will find because we have key lenders that provide great rates and service for a variety of loans.  It is not how many lenders we do business with that is important, but who we do business with.

In regards to our commercial or private equity loans, it is all about the lenders we work with and knowing which private lenders like certain loans. We have special relationships with these lenders and we are direct to most of them.  Call us to discover the opportunities that await you.

Please be sure to check out our Blog - it is updated regularly!!

Market Conditions for the Week of July 18th, 2010

This week may be quite interesting for the bond market and mortgage rates. There are only three economic reports scheduled for the financial and mortgage markets to digest and none of them are considered to be of high importance to the markets. But in addition to the minimal economic data, we have two days of semi-annual congressional testimony by Fed Chairman Bernanke. The first day of testimony has the potential to influence changes to mortgage rates more than many of the monthly or quarterly pieces of economic data that we see regularly. Add in the fact that the 10-year Treasury Note again fell below, and closed under the benchmark 3.00% last week and we have bond market yields at a point of potential downward movement or an upward spike. This could be the week that we get that direction decided. Read more . . .

Read what is happening today . . . .

             




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Treasury Auctions Done. Bonds Cautiously Resilient as Stocks Repeat History
7/29/2010 12:09 PM

Posted To: MBS Commentary

Treasury just sold $29 billion 7s to a group of uninterested buyers... Auction demand as measured by the bid to cover ratio was below average. 2.78 bids were submitted for every 1 accepted by Treasury. Compare that to the ten auction average of 2.81 and the five auction average of ...Read More
 
Fannie Mae Preps Investors for Reform. Book of Business Reflects Tight Credit Conditions
7/29/2010 11:31 AM

Posted To: MND NewsWire

In the wake of the passage of Wall Street Reform, which many opponents have criticized Capitol Hill for failing to deal with the future of Fannie Mae and Freddie Mac, the Obama Administration is beginning to present the broad outlines of how the future of the GSEs will be determined. In a letter re...Read More
 
Are HECM Regulators Acting Unethically Toward the Reverse Mortgage Program?
7/29/2010 11:06 AM

Posted To: Community Commentary

I recently spoke on two interesting panels at the American Conference Institute’s two day symposium on Reverse Mortgages. The conference was held at the famed Helmsley Park Lane Hotel in the heart of Manhattan. The conference attracted a virtual who’s w...Read More
 
Final Ruling Issued on SAFE Act; Underwriting Guideline Overlays, Adverse Market Fees and Steep LLPAs; CMBS Sales; California State of Emergency;
7/29/2010 8:51 AM

Posted To: Pipeline Press

On a non-mortgage note, my son asked me, "At what age is it ok to tell a highway that it is adopted? At some point the highway will realize that it doesn't look like the Kiwanis's Club." I would have told him to "keep his day job", except ...Read More
 
Vacancy Rate Near Historic High. America Has a "Home Problem"
7/29/2010 8:33 AM

Posted To: MND NewsWire

As we have pointed out over the last few weeks , America has a homelessness problem; over a million individuals and families are temporarily or chronically homeless. While the statistics don't fully address this aspect, there is at least anecdotal indication that some of these people are in she...Read More
 
The Day Ahead: Moody's Questions U.S. Credit Rating. Bonds Shrug Off News
7/29/2010 7:30 AM

Posted To: MBS Commentary

Equity futures are trading higher this morning despite word from Moody’s that it would have to question America’s triple-A credit rating unless it provides a credible plan to tackle its growing deficit. Steve Hess , a top sovereign debt analyst at Moody’s, said th...Read More
 
Can Mortgage Rates Go Any Lower?
7/28/2010 3:16 PM

Posted To: Mortgage Rate Watch

Well, here we are on "hump day" and mortgage rates are still detached from the price fluctuations of the secondary mortgage market. Instead, the ups and downs of consumer borrowing costs continue to be driven primarily by the capacity constraints of major lenders, the mar...Read More
 
Is There Life After the Mortgage Business?
7/28/2010 2:33 PM

Posted To: The Garrett Watts Report

We all know the mortgage business can be extremely profitable at times. We also know it can be disastrous at other times. Regulators and law makers have created an environment that makes us feel like a pin ball, bouncing aimlessly from one bumper to another Regardless of all th...Read More
 
FHA Ready to Reduce Seller Concessions. HUD Invites Industry Comment Before Implementation
7/28/2010 2:18 PM

Posted To: MND NewsWire

HUD is preparing to implement a few new policies that will no doubt affect your pipeline/loan application process. Last week, HUD and the FHA invited public comment on three of those policy changes, which are part of FHA's strategy to "strengthen their capital reserves". The proposed ...Read More
 
Beige Book: Mixed Reads on Economy. Housing Market Definitely "Sluggish"
7/28/2010 1:24 PM

Posted To: MND NewsWire

The Federal Reserve has released the Beige Book The Beige Book is a compilation of anecdotal information and data on current economic conditions across the country. The findings are NOT THE VIEWS OF FEDERAL RESERVE OFFICIALS ...instead, each Federal Reserve bank interviews key business contacts, ec...Read More





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