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Our
Promise to You
We will deliver to you the lowest
cost mortgage possible in a fast, efficient and professional
manner.
We will provide complete
disclosure of the cost of your loan by giving you a Good Faith
Estimate that includes the interest rate, fees and monthly
payment.
We will close on the time we
promised you to close.
Our Method of Meeting
Your Needs
You may complete a preliminary
information sheet via this site ("Apply Now") and we will contact you by
phone to obtain the rest of the information. This method
requires less time on your part and results in our team being
able to more quickly focus on your objectives.
Our Business Names
MicottMortgage.com
aka RockyMountainMortgageRates.com sometimes doing business as Northern
Colorado Loans exclusively deliveries it loans to Catalyst
Lending, Inc. You will receive disclosures and
documents from Catalyst Lending, Inc. but you may
receive e-mail's from
mikeATrkymortgage(.com) or
cottermortgageATcs(.com)
I am encrypting my e-Mail address so the bots
don't come thru and pick it up. I receive over 250
pieces of Spam a day.
Mortgage Bankers
We are mortgage bankers
and mortgage brokers. As mortgage
bankers, we close
loans in our own name with our own funds. This means
that our
ultimate investors purchase the loans after they are closed
and have time to review and proof these loans. As a
result of this extra step, we receive the lowest loan rates
available. As Mortgage Brokers we close loans in an
investors name. There are many more investors available
to mortgage brokers and consequently, we have access to the
broadest possible array of loan programs.
Our Team of Lenders
Micott Mortgage thru its partner, Catalyst Lending, Inc.
maintains close relationships with six of
the largest and most competitive lenders in the country. These relationships have been established for many years.
Lenders will often lower their rates to increase loan
volume. Our company monitors rates twice a day in order
to secure for you the best possible rate. We will analyze your
needs and select the one lender who offers the best
combination of rate versus fee versus cash to close. We will
fax, mail, or e-mail you an itemization of the proposal in the
form of a Good Faith Estimate.
When you decide to obtain your mortgage through us, we will
give you the lowest rate, lock this rate and stand behind the
rate we quoted you. We guarantee that there will be
no unpleasant surprises at closing.
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