No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best rate possible!

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USDA

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Construction

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Bridge Loan

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Commercial

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Down Payment Assistance

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Mortgage Home Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.  Learn More
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered. Learn More
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More
6

Closing

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

Documentation:

Appraisal:

Underwriting:

Conditional Approval:

Clear to Close:

Closing:

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All about Arvada

Arvada, Colorado is a beautiful first-ring suburb of Denver, the Mile High City. Arvada retains a small-town feel even with its estimated population of 111,559. Established in 1870, Arvada enjoys a rich history, quiet tree-lined neighborhoods and a robust mix of business. Our strong civic leadership balances quality of life with an understanding and support of business and economic development.

Arvada’s land encompasses nearly 40 square miles. Three proximate interstate highways provide easy access to the larger metropolitan region and Denver International Airport. An extraordinary trail system links with Denver trails on the east and the foothills of the Rocky Mountains to the west, punctuated with thousands of acres of parks and open spaces.

Residents and businesses have easy access to world-class research institutions including the University of Colorado and Colorado School of Mines; in addition, the Arvada campus of Red Rocks Community College provides training assistance to meet employer needs.

Arvada offers unique amenities. Historic Olde Town Arvada, listed on the National Register of Historic Places, provides an eclectic shopping and dining experience.  Beginning in 2016, Olde Town will feature one of three transit stops along the Gold Line commuter rail line, part of the metropolitan FasTracks light rail system. The City also takes great pride in the Arvada Center for the Arts and Humanities, one of the largest multi-disciplinary art and cultural centers in the country. The Center offers everything from award-winning theater productions and concerts to educational classes, as well as a large banquet facility for corporate and social gatherings.

Arvada’s diverse economic base, highly educated workforce, low crime rate and superb quality of life have helped shape our community into one of the most attractive and competitive cities in the Centennial State. (source: http://arvada.org/about/our-community/profile)

Things to do in Arvada

Come spend a day here

Any trip to Arvada is not complete without visits to theArvada Center for the Arts & Humanities, the Apex Center and Olde Town Arvada. Boasting cutting-edge facilities in the cultural and recreational arenas, residents have the best of both worlds at their fingertips.The Arvada Center for the Arts & Humanities is one of the nation’s largest multidisciplinary arts centers in the country. It offers a year-round theatre series and a number of art gallery exhibitions annually. There are classes available for children and adults of all ages and skill levels in ceramics, dance, writing, acting and visual arts.

The Apex Park and Recreation District offers fun, affordable, safe and accessible recreation to residents and members of neighboring communities. Its goal is to welcome and encourage all current and new participants to get active and stay active for a better quality of life. This is achieved through hundreds of activities offered at dozens of year-round and seasonal facilities throughout Arvada.

Arvada’s historic downtown, Olde Town Arvada, provides an eclectic shopping, dining and entertainment experience. In 2016, it will also include one of three area transit stops as part of the metropolitan FasTracks light rail system. As part of the National Registry of Historic Districts, Olde Town is nationally recognized at the highest level..

Arvada is lucky to be a four-season city. There’s plenty to do no matter what the weather throws our way. The City of Arvada boasts 125 miles of hiking, biking and horseback riding trails throughout the parks and open space system. There’s nature to be viewed on a brisk walk in winter and fish to be caught on a slow summer day.

There are plenty of activities to choose from, no matter what your fitness level or idea of fun. So pack your bathing suit, fishing pole, tennis racket and binoculars and come play (and stay!) in Arvada!

Golf Courses:

Arvada provides the perfect backdrop to several of the most beautiful courses in the state. How many cities our size can boast three lovely municipal courses?

Indian Tree Golf Course
Lake Arbor Golf Club
West Woods Golf Club
In addition, Arvada is also home to a 9-hole course, Stoney Creek. Located northwest of Standley Lake, this course has several ponds on its 1,616 yards and features three short par 4’s and six par 3’s.

(source: http://visitarvada.org/what-to-do/arvada-points-of-interest/)

Education in Arvada

All about the educational system

If you are new to Arvada and have school age children, please note that most of the public schools are in the Jefferson County School District; however, a small section of Arvada falls within Adams County School District 50

Jeffco Public Schools
Jeffco Public Schools has been providing educational excellence for more than 60 years. Approximately 9 percent of all the K-12 students in Colorado attend a Jeffco School. Our mission is to provide a quality education that prepares all children for a successful future. The district has 154 schools on 168 campuses.

Number of Schools
89 elementary schools
3 K-8 schools
17 middle schools
17 high schools
9 option schools
15 charter schools*
1 online school
2 outdoor laboratory schools

(source: http://www.jeffcopublicschools.org/schools/profiles/district_profile.html)

Adams County School District 50                                                              The District 50 vision describes what the community wants the school district to look like in the future.

Number of Schools

Level

# Schools
Preschools
1

Elementary Schools
12

Middle Schools
3

High Schools
2

Innovation School  1
Online School  1
Total Schools
20

Arvada Image Gallery

History of Arvada

See our rich history

The first documented discovery of gold in the Rocky Mountain region occurred on June 22, 1850, when Lewis Ralston, a Georgia prospector headed for the California gold fields, dipped his sluice pan into a small stream near its mouth at Clear Creek. Ralston found about 1/4 ounce (6 g) of gold, then worth about five dollars. Ralston’s companions named the streamRalston’s Creek in his honor, but they all left the next morning, drawn by the lure of California gold.

During the Pike’s Peak Gold Rush in 1858, Ralston brought another group of prospectors back to the site of his first discovery. The placer gold in the area soon played out, but hard rock deposits of gold were found in the mountains to the west. Some of the miners abandoned their search for gold and returned to farm the rich bottom land along Ralston Creek and Clear Creek. They found an eager market for their crops among other gold seekers. The Territory of Colorado was formed on February 28, 1861, and the farms in the valley expanded to feed the growing population of the region.

In 1870, the Colorado Central Railroad laid tracks through the area on its route from Golden to link up with the Kansas Pacific Railroad and the Denver Pacific Railroad at Jersey Junction, 3 miles (5 km) north of Denver. On December 1, 1870, Benjamin F. Wadsworth and Louis A. Reno platted the Ralston Point townsite along the railroad. To avoid confusion with other communities along Ralston Creek, Ralston Point was soon renamed Arvada in honor of Hiram Arvada Haskin, brother-in-law of settler Mary Wadsworth. Her husband, Benjamin Wadsworth, became the first postmaster of Arvada. Colorado was granted statehood on August 1, 1876, and the Town of Arvada was formally incorporated on August 14, 1904. A vibrant agricultural community, Arvada claimed the title “Celery Capital of the World.”

Arvada grew rapidly during the latter half of the 20th century as a suburb of nearby Denver, the state capital. Arvada became a Statutory City on October 31, 1951, and a Home Rule Municipality on July 23, 1963. By the end of the millennium, the population of Arvada exceeded 100,000. (source: https://en.wikipedia.org/wiki/Arvada,_Colorado#History)

Arvada’s Neighborhoods

See info about our neighborhoods

Denver is the commercial, financial, industrial, and government center for Colorado and a seven-state region of Rocky Mountain and western Plains states. The city and its surrounding area continue to be one of our favorite large cities, and the list of reasons is large; however, crowding and growth is taking its toll.

The downtown area is vibrant, functional and attractive, one of the best downtowns in the country in our view as a business center, an attraction for local residents, and a place to live. More than most US cities today, people want to live close to downtown, and good city neighborhoods combine with new housing in former industrial areas adjacent to downtown and the South Platte River to make it possible. The “LoDo,” or Lower Downtown area just to the northwest of the main downtown features renovated late 19th century commercial and factory buildings repurposed into small business, entertainment and shopping venues, accessible, walkable and livable at all times. This area is anchored by the nicely restored Denver Union Station rail terminal, and the crown jewel is the industrial revival-style Coors Field ballpark. It is one of the finest urban-core restorations in the country.

POPULAR ARVADA NEIGHBORHOODS

City Center
Semper
Mount Olivet
Leyden
W 64th Ave / Wadsworth Byp
W 64th Ave / Eldridge St
Oberon Rd / Garrison St
W 60th Ave / Ralston Rd
Simms St / W 72nd Ave
W 52nd Ave / Wadsworth Byp
POPULAR REAL ESTATE NEAR ARVADA, CO

Boulder
Broomfield
Denver
Golden
Lafayette
Lakewood
Louisville
Nederland
Superior
Westminster
(source: http://www.neighborhoodscout.com/co/arvada/)

Byron Schulte

Division President  //  NMLS #1406451

Byron grew up in Columbia, MO. He received his B.A. in Finance from Westminster College in Fulton, MO, where he also played soccer. He later went on to obtain an M.B.A. from the University of Illinois. Byron has lived in MO, IL, CO, AZ, and TX, but prefers the Centennial State, where he makes his home. He has always been passionate about real estate and very much enjoys helping people become homeowners. He has been involved in the mortgage industry since 2005. Byron is an avid skier, and along with his wife, two children, and golden retriever, enjoys all the outdoor activities that Colorado has to offer.

byron@drmconline.com(303) 525-0999
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Byron Schulte Mortgage