Lance Holtman

"Your Mortgage Partner"

I'm a:	Real Estate Professional
Company:	First City Financial
Location:	80138
Web sites:	Me@ LinkedIN

52 Answers
14 First Answers
22 Useful Answers

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About Me

Lance Holtman, Sales Manager and Loan Consultant for First City Financial in Parker, Colorado, has worked in the mortgage business for over 24 years, and his experience shows. In customer surveys conducted after closing, Lance has received some of the kindest words from customers who appreciated his individual attention and the attention to details. As he explains, “I set clear goals, the customer is First, Last, and ALWAYS!”

One reason for Lance’s success is his familiarity with every element of the loan process and the mortgage
industry. Over the course of his career, he has worked in processing, loan origination, auditing, and training and management of processors and loan originators.

Lance’s favorite aspect of his profession is the satisfaction he feels from truly helping people to achieve their goals. “I am always delighted to hear from people who enjoyed working with me.” He emphasizes that his approach is to listen, analyze and use education to help customers make their decisions. “I partner with them to think creatively about their unique needs.”

Testimonials

"In an ever declining market, Lance retains his morals as an outstanding citizen/broker and is always willing to help any family reach their dreams by finding the best loan to fit their needs. He will research for the best loan that will fit your family's budget with integrity. Taking care of his client and providing them with the best options first and for most.” April 2, 2008 Top qualities: Great Results, Good Value, High Integrity"
Leslie Heckman / Owner, Real Solutions Group Sun Apr 13

"Lance is incredibly knowledgeable in the mortgage business. He is reliable, punctual, creative and a pleasure to work with.” May 10, 2007 Top qualities: Great Results, Expert, High Integrity"
Machelle Pens / Guardian Title Sun Apr 13

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Lance Holtman's Questions (1)

Lance Holtman's Answers (52)

Is there any escrow company in Bay Area who supports double escrow?

Asked Sat Apr 26 2008, 20:46 by Bacali - North San Jose - Home Selling - 7 answers

Lance Holtman answered:

A 1031 exchange is nothing like a Double Escrow. A double escrow is used to flip property.
Lenders will not fund a loan unless the seller's name is recorded on title; and in some cases seasoned. - Tue Aug 5 2008, 19:45

is there such thing as 0% financing on buying a home???

Asked Sun Jun 1 2008, 22:05 by Cindy - Akron - Home Buying - 12 answers

Lance Holtman answered:

The loan was designed to be Sharia compliant but you don't have to be Muslim to get it.

The Equal Credit opportunity Act (ECOA) prohibits a lender from asking about religion or making a loan decision based on religion. - Sat Jul 26 2008, 05:34

There are several banks throughout the US that offer, No Riba, Islamic Financing (0% interest)

http://tinyurl.com/5zrwk4 - Thu Jul 24 2008, 21:37

I sold a 2 family 12/2006. recently I found out. the property is still in my name. The title co. stated the

Asked Sun Jul 13 2008, 06:33 by Bigsing - 11213 - Home Selling - 4 answers

Lance Holtman answered:

The fact that the property is still in your name should be a concern of the buyer, not you. Assuming your loan was paid off, you don't need to involve an attorney, your credit is not being effected or affected in anyway.. Simply pay the $24 to the title company or go record the docs yourself. - Fri Jul 25 2008, 11:51

who will approve a mortgage under 35,000 , i have house free and clear and i want to pull money out.?

Asked Fri Jul 25 2008, 07:49 by Ryan Johnson - Detroit - Home Selling - 5 answers

Lance Holtman answered:

For a loan of $35k you want to talk to your local bank or credit union. Because of fees and rates, you most likely will be interested in a home equity loan and not a refi. - Fri Jul 25 2008, 11:17

Why do banks hate FHA loans? We have great credit, healthy savings but keep getting our offers turned down.

Asked Thu Jul 24 2008, 12:31 by Debbie - All locations - Financing - 6 answers

Lance Holtman answered:

I am assuming you are attempting to purchase a short sale or bank owned property.
If this is the case, the reason your offer, with FHA financing is being rejected is because the bank is afraid of FHA appraisal issues, and/or does not want to accept FHA financing contingencies. - Thu Jul 24 2008, 13:55

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