El Paso County Real Estate + Mortgage Savings

Broker Owner — NMLS #1868052 | Ultimate Mortgage — NMLS #2086155

Buy a Home in El Paso County With a Smarter
Real Estate + Mortgage Strategy

Prime Home Team helps buyers search homes, understand their mortgage options, compare costs, and use the Prime Buyer Advantage to potentially save money when buying a home.

Buying a home is about more than finding the right property. The real cost of buying includes the purchase price, mortgage rate, lender fees, closing costs, cash to close, monthly payment, and future selling costs.

Prime Home Team gives buyers a more complete way to approach the process by combining real estate guidance with access to Ultimate Mortgage through the Prime Buyer Advantage.

Already have a lender quote? Compare it here.

BEFORE YOU SEARCH

Start With the Numbers Before You Fall in Love With the House

Searching homes is important — but it’s only one part of the process. Get clear on affordability, mortgage options, and potential savings first, so you can search with confidence.

What price range makes sense?

What loan type may be best?

What rate and payment may be available?

How much cash may be needed to close?

Are there lender fees that can be reduced or avoided?

What happens when it is time to sell the home later?

THE PRIME BUYER ADVANTAGE

How the Prime Buyer Advantage Helps Buyers

A home-buying savings program offered through Prime Home Team and Ultimate Mortgage — built to reduce common lender fees, compare mortgage costs, and create long-term value.

No 1% Loan Origination Fee

Ultimate Mortgage doesn't charge a 1% loan origination fee — reducing upfront lender costs versus lenders that do.

No Lender Processing Fee

Ultimate Mortgage doesn't charge a lender processing fee, helping reduce buyer costs at closing.

Personalized Rate Quote

Request a personalized mortgage rate quote using key preliminary information — no full loan application required.

Lender Quote Comparison

Already have a Loan Estimate, lender quote, builder offer, or fee worksheet? Submit it for review and comparison.

Future 1.5% Listing Fee

When you later sell the home you purchased through Prime Home Team, we'll list it for a 1.5% listing fee, subject to the listing agreement and program terms.

One Coordinated Strategy

Real estate guidance and mortgage strategy, coordinated in one place, from search through closing and beyond.

THE PROCESS

How to Buy a Home With Prime Home Team

03

Search Homes

Once the numbers are clear, search homes in El Paso County and surrounding areas.

04

Tour Homes and Compare Options

We help you evaluate homes, neighborhoods, property condition, pricing, and resale potential against your financial strategy.

05

Make an Offer

A strong offer is more than price — terms, financing strength, contingencies, and timing all matter. We help structure it with the full picture in mind.

06

Move Through Contract and Closing

Inspection, appraisal, title work, loan processing, underwriting, insurance, final approval, closing disclosure, and closing.

07

Keep the Future Listing Benefit

When you later sell this home, you may qualify for the future 1.5% listing fee, subject to the listing agreement and program terms.

Search Homes

Search Homes in El Paso County, Colorado

Browse homes for sale across El Paso County and the surrounding areas. Once you know your numbers, searching becomes a lot more focused.

Not sure where to start?

Rate Quote

Want a Rate Quote Before a Full Application?

Ultimate Mortgage gives buyers a simpler way to start. Provide key preliminary information — approximate FICO score, estimated purchase price, income, loan type, down payment percentage, first-time buyer status, email, and cell phone verification — and get a personalized rate quote.

✓ Buyers who aren’t ready for a full application
✓ Buyers who want to estimate payment
✓ Buyers comparing affordability
✓ Buyers deciding whether to start shopping

Disclaimer: A requested rate quote is not a loan approval, pre-approval, Loan Estimate, commitment to lend, or guarantee of loan terms. Final loan terms depend on borrower qualifications, property details, verified information, loan program, market conditions, and underwriting approval.

What we’ll ask for

Already Shopping?

Compare Your Lender Quote Before You Commit

The lowest interest rate isn’t always the lowest-cost option. If you already have a lender quote, Loan Estimate, builder lender offer, pre-approval quote, or fee worksheet, we can help compare the full cost.

What can be compared

See It in Numbers

Example Prime Buyer Advantage Savings

Based on an estimated 1% loan origination fee and $600 lender processing fee, plus potential future listing fee savings if you later sell the same home through Prime Home Team.

Loan Savings Cards

Conventional Loan

$600,000 Purchase
Origination fee avoided$4,800
Processing fee avoided$600
Future listing: 3% → 1.5%$9,000
Total potential savings$14,400

VA Loan

$700,000 Purchase
Origination fee avoided$7,000
Processing fee avoided$600
Future listing: 3% → 1.5%$10,500
Total potential savings$18,100

FHA Loan

$450,000 Purchase
Origination fee avoided$4,342.50
Processing fee avoided$600
Future listing: 3% → 1.5%$6,750
Total potential savings$11,692.50

Savings Example Disclaimer: These examples are for illustration only. Actual savings vary by borrower, loan amount, loan program, property type, market conditions, lender pricing, third-party fees, title charges, appraisal fees, taxes, insurance, prepaid items, escrow costs, and other factors. The 1% origination fee and $600 processing fee are example assumptions and may vary by lender. Listing fees vary and are negotiable. This is not a loan estimate, rate quote, pre-approval, commitment to lend, or guarantee of savings.

Built for Your Situation

Different Types of Home Buyers, One Coordinated Strategy

First-Time Home Buyers

Understand purchase price, loan options, down payment, closing costs, monthly payment, cash to close, and potential savings.

VA Home Buyers

Eligible military and veteran buyers can compare VA loan costs and see how the Prime Buyer Advantage may reduce lender fees.

FHA Buyers

Review loan costs, down payment requirements, estimated cash to close, mortgage insurance, and potential savings.

Conventional Buyers

Compare rate, points, lender fees, down payment options, and potential savings under the Prime Buyer Advantage.

New Construction Buyers

Compare builder lender incentives against Ultimate Mortgage and the Prime Buyer Advantage before committing.

Move-Up Buyers

Coordinate the sale of one home, the purchase of another, mortgage strategy, and the future listing fee opportunity.

Choosing a Lender

Compare the Full Cost, Not Just the Rate

A lower rate can hide points or higher fees. The Prime Buyer Advantage is designed to help you compare the full picture before deciding how to finance the home.

Choosing a Home

The Right Home Should Fit the Full Financial Picture

A home may look affordable based on purchase price alone. We help you look at the property, the payment, the loan structure, and the future resale plan together — purchase price, monthly payment, down payment, closing costs, taxes, insurance, HOA dues, property condition, and long-term resale potential.

You Are Free to Choose Your Lender

Buyers are never required to use Ultimate Mortgage. You may choose any lender you prefer. The Prime Buyer Advantage applies when a buyer uses Prime Home Team for the real estate purchase and Ultimate Mortgage for financing. Because Prime Home Team and Ultimate Mortgage are connected through common ownership, buyers receive the appropriate affiliated business arrangement disclosure as part of the process.

FAQ

Common Questions About Buying a Home With Prime Home Team

Do I need to be pre-approved before searching homes?

It’s usually best to understand your mortgage options before shopping seriously. You can request a rate quote, get a savings estimate, or begin the full mortgage process when ready.

Yes. Buyers can request a personalized rate quote by providing key preliminary information. A full application may be needed later for pre-approval, underwriting, and final loan approval. Request My Rate Quote →

You can still work with Prime Home Team and may choose any lender. You can also submit your current lender quote for review and comparison. Compare My Lender Quote →

No. Buyers may choose any lender. The Prime Buyer Advantage applies when a buyer uses Prime Home Team for the real estate purchase and Ultimate Mortgage for financing.

Ultimate Mortgage does not charge a 1% loan origination fee and does not charge a lender processing fee.

No. Actual savings vary based on borrower qualifications, loan amount, loan program, market conditions, lender pricing, property type, third-party fees, and other factors.

Yes. New construction buyers can compare builder lender incentives and request help reviewing the builder’s preferred lender offer. New Construction Buyers →

When you purchase a home through Prime Home Team and later choose Prime Home Team to sell that same home, we’ll list the property for a 1.5% listing fee, subject to the listing agreement and program terms.