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If you’re looking for a new home, you know how tough the housing market is right now.

Inventory remains stubbornly low. Interest rates are stubbornly high. And with underwriting standards seemingly tighter than they’ve been in years, it can feel like many mortgage companies are looking for any reason to get to “no.”

No one knows how long this sad — and stressful — state of affairs will last. Luckily for the Denver and Boulder mortgage markets, Multiply Mortgage, a Colorado-licensed mortgage broker, has arrived to challenge the status quo of lending.

Multiply Mortgage targets the higher end of the housing market, so it’s not for everyone. However, if you’re looking for a high-end home or are one of many Coloradoans employed by a tech company — its outside-the-box approach could be right for you.

Here’s what you need to know about how Multiply Mortgage does business and what distinguishes it from the competition.

How Is Multiply Mortgage Different?

Multiple Mortgage is not your typical Colorado mortgage broker. It’s designed for savvy buyers with unique needs that traditional mortgage providers might not know how to serve.

1. A Range of Common (And Not-So-Common) Mortgage Loan Terms and Structures With Competitive Rates

Multiply Mortgage connects buyers with a range of common and not-so-common mortgage products, including:

• 30-year fixed: The “standard” mortgage loan that’s appropriate for many — but not all! — situations.
• 15-year fixed: If you want to own your home free and clear in half the time, this could be the way to go.
• 10-year ARM: This structure offers a predictable rate for the first ten years, then adjusts each year afterward.
• 5-year ARM: This ARM option remains fixed for five years, then adjusts annually after that.
• 40-year fixed: This less-common option extends the “standard” loan term by 10 years.

Multiply Mortgage helps buyers determine which option best suits them. It does its best to find competitive rates by considering buyers’ unique assets, building lasting and highly personal relationships with its clients, and helping buyers leverage less common assets, including pre-IPO stock and RSUs.

2. Expanding Possibilities for Borrowers Through Equity Assets

Whether you’ve lived here for years or are relocating from another part of the country, you probably already know that Colorado in general — and the Denver-Boulder region specifically — is a tech economy hot spot. Colorado had more than 17,000 businesses responsible for nearly 15% of its total economic output in 2020, according to the Colorado Tech Association.

So, if you hear from a mortgage company that they don’t know much about pre-IPO equity or restricted stock units, you can bet they don’t know much about tech or the Denver-Boulder area. These “uncommon” assets are pretty normal here, and they can be decisive in qualifying buyers employed in the tech sector for more competitive interest rates.

That’s where Multiply Mortgage stands out. Unlike many competitors, including dozens doing business in the Denver-Boulder region, Multiply Mortgage considers unique assets like pre-IPO stock and RSUs when building mortgage solutions for its customers. These assets help borrowers secure interest rates that could save them a significant amount of money over the life of their loan.

3. Local Focus on the Denver and Boulder Markets

Speaking of “working closely,” Multiply Mortgage is built on the belief that business can and should be personal. The company offers what it calls “reliable, white-glove service from local experts” — basically, a personal mortgage concierge who knows the Denver and Boulder markets intimately and is eager to get to know buyers’ needs just as well.

With brick-and-mortar locations opening in both markets this spring, Multiply Mortgage is giving Denver and Boulder residents that hometown feel while offering interest rates that are essentially unmatched at the local level. While it has national ambitions—just like any growing company—its commitment to serving local buyers is ironclad.

4. A Modern, Seamless Application Experience

It’s only fitting that a mortgage company focused on a tech hot spot should have top-notch software. And if you’ve applied for a mortgage or other loan through a credit union or smaller bank with clunky, outdated technology, you don’t need to be told why that matters.

Multiply Mortgage uses top-of-the-line technology to make their customer’s loan application experience painless and efficient.

Multiply Mortgage Benefits Colorado’s Real Estate Agents, Too

It’s no secret that most real estate agents prefer working with local experts. The transaction just tends to go more smoothly. Multiply Mortgage brings several of these key advantages to Colorado’s real estate professionals:

First, because Multiply Mortgage team members know the Denver and Boulder markets, they’re easier for agents to work with. They don’t ask fundamental questions about the market or need to be told “how things are done around here” because they already know.

Second, Multiply Mortgage has 24/7 support for agents and buyers. When agents call, someone picks up.

Finally, Multiply Mortgage takes care of business. Its seasoned team knows how important it is for agents and their buyers to close on time without unexpected delays that threaten to derail a transaction.

Let’s be clear: Multiply Mortgage isn’t reinventing the mortgage business from the ground up. But it’s about to show homebuyers in Denver and Boulder — and their agents — what a hands-on, thoroughly professional mortgage experience looks like.