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If you are wondering about your ability to refinance your Colorado mortgage after bankruptcy, the best thing you can do is speak with a mortgage broker. A qualified mortgage broker can offer your advice on whether or not refinancing will benefit you and may be able to work around your bankruptcy to get you a better deal than you could get on your own.

Why Use a Mortgage Broker?
Mortgage brokers work with a variety of lending professionals. They know their way around the lending industry and will be able to tell you almost immediately whether or not it is feasible for you to get a Colorado mortgage refinance after bankruptcy. They will also be able to give you a good idea on what you can expect to pay as far as rates go.

Finding a Broker
When it comes time to find a broker to handle your post-bankruptcy mortgage refinance, referrals are important. At this time, the state of Colorado does not regulate mortgage brokers. This means that anyone can become a mortgage broker regardless of qualifications. Your best bet will be to ask around to find out if anyone knows any competent mortgage brokers who handle Colorado loans. You can also do searches online and get recommendations from trusted websites.

Working with a Broker
Bankruptcy or not, anytime you work with a mortgage broker, it is imperative that you get all quotes, good faith estimates, and rate locks in writing. This leaves no room for confusion and ensures that you get the Colorado mortgage refinance on terms that you agree with. You will also want to carefully look over any documents prior to signing them. If you notice any fees that do not seem correct, be sure to bring them to your broker’s attention immediately.