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 March 7th, 2010

This week brings us the release of three economic releases for the bond and mortgage markets to digest along with 10-year Treasury Note and 30-year Bond auctions. All of the data will be posted the latter part of the week. Only one of the three reports is considered to be of high importance to the markets, so several days will likely be influenced more by stock trading and other factors than the economic news of the day. Read more . . .

Read what is happening today . . . .

             




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Harmony Of The Trends And The Whole Day Explained In One Chart
3/12/2010 5:47 PM

Posted To: MBS Commentary

(A bit long, but another worthwhile closing post to read... with some not-often-phrased-in-such-a-way explanations. I enjoyed writing it at least. Let me know what you think.) You know the "stock lever?" If not, that's the term we use to describe the common occurrence...Read More
 
Mortgage Rates Higher After Retail Sales Data. Floating into Monday
3/12/2010 3:20 PM

Posted To: Mortgage Rate Watch

While benchmark Treasury yields moved slowly higher throughout the course of the week as our government auctioned debt to raise spending money, mortgage-backed securities managed to maintain a pretty consistent price range. After all was said and done and the auctions were behind u...Read More
 
What Did Top Performing Mortgage Bankers Earn in 2009?
3/12/2010 2:51 PM

Posted To: The Garrett Watts Report

Audited financials are starting to come in, and they’re confirming what we saw all year. Top performing mortgage bankers made 90-100 bps per loan. That means, for every $100 million you closed, you should have (and could have) earned $900,000 to $1 million. If you didn&rs...Read More
 
MBS LUNCH: Mortgages Left Behind as Benchmarks Rally
3/12/2010 1:50 PM

Posted To: MBS Commentary

It was an interesting morning in the rates world. Let's start with our fearless leader, the benchmark 10 year note. In below average trading volume, yields rose marginally (at most) in the overnight session before popping higher on the heels of a much better than expected Retai...Read More
 
Fitch Ratings: Expiring Housing Incentives Likely to Increase Loan Losses this Year
3/12/2010 11:51 AM

Posted To: MND NewsWire

Fitch Ratings is warning that the expiring homebuyer tax credits, the end of the Fed's MBS Purchase Program , and the growing maturity of various government loan modifications programs are likely to increase loss severities on distressed mortgage loans later this year. The report says that thes...Read More
 
USDA Rural Housing Funds to Run Dry by April. Lenders Already Dropping the Program
3/12/2010 11:04 AM

Posted To: MND NewsWire

USDA Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities. There is no required down payment...Read More
 
Freddie Mac Announces Cut Off Date for Interest Only Loan Apps
3/12/2010 9:43 AM

Posted To: MND NewsWire

As reported on February 26 , Freddie Mac has decided to stop purchasing and securitizating loans utilizing the interest only payment option. Freddie's deadline for PURCHASING these loans was set as September 2010, however no application/LP approval date cut-off was provided in the bulletin. Thi...Read More
 
Fed MBS Program Update: 98.1% of Funding Used. Looming Exit Yet to Hurt Rates
3/12/2010 8:46 AM

Posted To: MND NewsWire

The Federal Reserve reported on their weekly purchases of agency mortgage-backed securities (MBS). In the week ending March 10, 2010, the Federal Reserve purchased a gross total of $29.4 billion agency MBS. In that week the Fed sold $19.4 billion mortgage-backeds (supported the roll), for a net tot...Read More
 
Loan Officers Who Sell Real Estate; Wells Expands Market Making in Mortgage-Backeds; FDIC Acts on a Thursday; Freddie Mac Bulletin
3/12/2010 8:42 AM

Posted To: Pipeline Press

Don't forget to "Spring Ahead" this Sunday morning. We lose an hour of sleep. The FDIC made a rare Thursday move and shut down LibertyPointe Bank This bank catered to the Orthodox Jewish community in Manhattan and Brooklyn, and will be taken over by Val...Read More
 
Retail Sales Improve Across the Board. Rates Move Higher
3/12/2010 8:20 AM

Posted To: MBS Commentary

Retail Sales data has hit screens. It was much better than expected. Rates no likely. February, Retail Sales rose 0.3% vs. an expected decline of 0.2%vs. a revised for the worse +0.1% print in January (from +0.5%) . Excluding autos, sales rose 0.8%, crushing forecasts for a 0.1% im...Read More





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