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Guiding the way to better home financing

Our Mission

At Ascend Mortgage Company, we are committed to putting control back in the hands of our clients by eliminating the inefficiencies and high overhead costs of large lenders. Our mission is to provide the most competitive rates, exceptional service, and a seamless loan experience—ensuring that every borrower receives personalized attention and expert guidance. We believe that home financing should be transparent, efficient, and tailored to each client’s unique needs. If there’s a way to get the loan done, we will find it.

Meet the Team

Ascend Mortgage

At Ascend Mortgage Company, we are dedicated to empowering homebuyers with expert guidance, competitive rates, and a seamless mortgage experience. We believe that securing a home loan should be simple, transparent, and stress-free, which is why we work tirelessly to provide tailored solutions that fit each client’s unique financial situation.

By cutting out unnecessary overhead and inefficiencies common with large lenders, we ensure our clients get the best loan options, the most competitive rates, and the highest level of service.

nickpeterson@ascendmortgageco.com(970) 290-9017
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First-Time Home Buyers

Buying your first home? We offer the guidance you need to get started.

Mortgage Walkthrough Guide

Get educated! Learn exactly what occurs in every step throughout the mortgage process.

Mortgage FAQs

Have some questions? Find your answers here!

Home Loan Options

We’re here to help you figure out which mortgage best fits your unique financial picture.

Get started by using one of our FREE tools!

Get a Purchase Pre-Approval Letter!

If you’re serious about purchasing a home, you’ll find that you will need a pre-approval letter. You can start that process right now and it should only take a few minutes!

Get Started

Does Refinancing Make Sense For You?

It only takes a few minutes to check!

Get Started

Get a Purchase Pre-Approval Letter!

If you’re serious about purchasing a home, you’ll find that you will need a pre-approval letter. You can start that process right now and it should only take a few minutes!

Get Started

Does Refinancing Make Sense For You?

It only takes a few minutes to check!

Get Started

Why work with us?

We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.

The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.

Top Mortgage Rates
Mortgage Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.

2

Appraisal

The appraisal ensures the home you are buying is worth the price that is being offered.

3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.

4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.

5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.

6

Closing

Signing the final documentation and receiving the keys to your new home!

Are you trying to figure out if renting or buying a home is better for you? Try using our Rent vs Buy Calculator to see what makes sense for you…

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

$
$500 $10,000
$
$50,000 $2 Million
$
%
0% 80%
%
0% 20%
Credit Score
Advanced (optional)
Loan Term
$
%
0% 5%
$
%
0% 15%
$ /month
%
0% 5%
%
0% 5%
%
0% 5%
%
0% 5%
%
0% 10%
%
0% 10%
$ /year
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented. But you will own in equity of your home with an appreciated value of . If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented. You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting

Home equity after
RENT: $0
BUY: $0
years
Total cost over years
TOTAL COST
YEARS

Costs over

Monthly Cost (after )
Rent
Buy
Difference
$0
$0
$0
Yearly Cost (after )
Rent
Buy
Difference
$3,019
$92,453
$89,434
Total Cost (after )
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs

These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs

Calculating the Cost of Renting The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
  • Monthly rent payments
  • Security deposit (typically equal to one month's rent)
  • Renters insurance (annual premium)
Calculating the Cost of Buying The cost of buying a home is more complex and includes both one-time and ongoing expenses: One-time Costs:
  • Down payment
  • Closing costs (typically 2-5% of the home's value)
Ongoing Costs:
  • Monthly mortgage payments (principal and interest)
  • Property taxes
  • Homeowners insurance
  • Private Mortgage Insurance (PMI) if applicable
  • HOA fees (if applicable)
  • Maintenance and repairs
  • Home improvements and renovations
Assumptions Our calculator makes several assumptions to provide a comprehensive comparison:
  • Annual home appreciation rate: %
  • Annual rent increase: %
  • Renters insurance: $ per year
  • Home maintenance and repairs: % of home value per year
  • Home improvements and renovations: % of home value per year
  • Selling costs when you sell the home: % of home value
These values can be adjusted in the advanced settings to better reflect your specific situation. The calculator takes all these factors into account over the specified time period to determine whether renting or buying is more cost-effective in your situation. Keep in mind that this is a simplified model and your actual costs may vary based on your specific circumstances and local market conditions.