Senior Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
4949 S. Niagara Street, Suite 400
Michael Tapp (NMLS #447795) has been working in the mortgage business for over 20 years, and in the financial services industry since 1986. His success in working with clients to finance the purchase of a new home or refinance of an existing mortgage comes from his wealth of knowledge, attention to details, strong work ethic, and creativity. His love for helping clients realize their dreams of home ownership has built a strong repeat business. He will guide you through each stage of the process, communicating details and setting proper expectations.
His goal is to provide you with the best mortgage experience possible with knowledge and service. With a bachelor’s degree in finance and master’s in economics, combined with a love of real estate, the mortgage industry is a great fit for Michael and is beneficial to his clients. He and his team are available and ready to answer your questions and immediate mortgage needs. In addition to purchase and refinance loans, Michael also specializes in second homes and investment properties and has an extensive network of professionals in the real estate industry, including many reputable realtors.
Michael is a 3rd generation Colorado native, lives in Parker with his wife, and has two adult sons. When he is not working, he enjoys doing community service projects with his fellow Rotarians around the Denver metro area. He and his wife come from big, extended families, so he enjoys cooking and sharing meals with family and friends.
Thank you for visiting! We look forward to serving you!
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About ME
Empowering Our Community Through 18 Years of Expert Lending Support.
With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.
18
+ Years
1500
+
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Pathway To Prosperity
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Pathway To Prosperity
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Pathway To Prosperity
I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
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