Mortgage FAQ

I received a letter from Colten Mortgage about saving money on my home. What are my next steps?

The Colten Mortgage Team is always looking to help as many people save money as possible. With rates at historic lows, this is the perfect time to refinance your property!

If you receive one of our letters and would like to explore your refinancing options, please reach out to our dedicated Refinance Team by calling the number listed on your letter. To make the process even quicker, please have the reference number on your letter available when you call.

We look forward to working with you!

Where do I send my first mortgage payment?

If your first payment is to be made to Colten Mortgage, you have two options:

  1. You can pay through our website using our payment portal:

  2. You can send a check to the following address:
    Colten Mortgage
    Attn: Finance Department
    6021 S. Syracuse Way
    Greenwood Village, CO 80111

Please be sure to include your Loan Number and Address on the physical check before mailing.

If your loan has been sold on to another Mortgage Company, your first payment may need to be sent directly to them. If your new Mortgage Company has not reached out to you with payment information, please call our toll-free number 800-660-1835 and our customer service team will be more than happy to help you find this information.

How can I apply for a loan with Colten Mortgage?

Apply Online. You can access our online application 24/7 at

Once you have submitted your application, one of our Loan Originators will contact you to review your submission and ask you a few additional questions. If you have any questions regarding your application at any time, you can reach out to your loan officer or loan processor directly or call our toll-free number 800-660-1835.

Call our customer service team at 800-660-1835 to be connected to one of our friendly loan experts. Loan Originators are also available to take your application over the phone throughout the week. The Loan Originator will ask you several questions to try to assess your home financing needs and goals.

During this counseling session, feel free to ask any questions you may have and put their years of experience to work for you! Once your Loan Originator has obtained the necessary information to complete your application, they will review the application with you for accuracy and submit it for a lending decision.

How long will it take to close my loan?

Our goal is to have your loan ready for closing as soon as possible!

Generally, the items that take the longest to receive are things such as the appraisal and the title work, and the conditions that you need to provide us with. We’ll want to get the appraisal and title work ordered as soon as possible to avoid any delays. If you are purchasing a new home, we’ll do our best to meet the date you and the seller have agreed upon.

What information should I have available when I’m ready to apply?

For your initial pre-qualification, we’ll ask questions about your income, assets, credit history, and employment.

Once you start the application process, we’ll need to verify the information you gave us with specific documentation, such as your last two years of income tax returns, bank statements, pay stubs, and documents pertaining to other personally owned real estate. You’ll receive notification in writing of the required documentation needed to obtain a final approval. In some cases, our Underwriting Department may request additional information.

Do I need to find a home before I apply?

No!  Getting started before you find a home may be the best thing you could do!

If you get started before you have a property to purchase, we can issue a pre-qualification subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-qualified for a mortgage will even give more weight to any purchase offer you make.

When you find the perfect home, you’ll need to call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees and we’ll complete the processing of your loan.

How can I access my Borrower Portal to complete my application, upload documents, and check on the status of my loan?

Simply go to our main application portal login page, and enter your credentials or click “forgot password” if you need to re-create a password at