People are moving to Colorado in droves. Denver was ranked by Forbes as one of “America’s Fastest-Growing Cities,” and some estimates predict a population boom of more than 3 million people by 2040. The secret is out: Colorado is a really nice place to live.

This population growth trend coupled with historically low interest rates makes Denver one of the hottest housing markets in the country. Buyers snatched up a record $2.15 billion worth of homes and condos in the metro area in June, and the average number of days a single-family detached home spent on the market was just 25 in June, down from 28 in May. And, if the Metro Denver Economic Development Corporation’s “2015 Economic Forecast” is any indication, the momentum is not likely to slow down anytime soon due to Denver’s low unemployment rate, better-than-average job growth and continued population growth. Speaking of job growth, we’re expanding our corporate headquarters and are currently hiring for a number of positions. You can browse all of our open jobs here.

So is 2015 the year to purchase a home?

To help answer this question, especially if you’re a first-time buyer, we recommend visiting our website, efirstbank.com, to take advantage of a number of tools, including steps to applying for a mortgage or refinancing and a straight-forward guide that can help you decide whether a fixed rate mortgage or an adjustable rate mortgage is right for you.

Once you’ve weighed all the options and determined buying is the way to go, we’re here to help you get situated with a range of different mortgage programs, from fixed to adjustable rates. And because you, like most first-home buyers, probably have no idea why there’s a difference, we have bankers who take the time to explain the process and find the loan that’s best for you. Here are 5 reasons to get your mortgage through FirstBank:

  1. Low Rates and Fees: We offer very competitive rates, and we work hard to keep closing costs low.
  2. Our Bankers Can Make Decisions: Unlike most lenders, our bankers have the power to make most loan decisions.
  3. More Flexibility to Approve Loans: Sometimes, common sense loans can’t be approved under Fannie Mae or FHA guidelines. But because we hold many of our loans in our own portfolio, at FirstBank we have the flexibility to consider loans that may not be approved under standard guidelines.
  4. Loans That Close Quickly: We know you don’t want to drag out the mortgage process, so we work hard to make sure our in-house loan processing is quick and painless.
  5. Many Solutions Offered: No matter who you are, we offer a mortgage solution to fit your situation. From fixed and adjustable rate options, to down payment assistance for qualified borrowers, FirstBank has a mortgage plan that’s right for you.

For more information about home mortgages, visit efirstbankmortgages.com.

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