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David Harding, (NMLS ID 386055)

David Harding

Sr Loan Officer

NMLS ID: 386055

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

400 East Horsetooth Road, Suite 300

Fort Collins, CO 80525

About David Harding

I'm committed to client satisfaction, and it drives me to work diligently on every loan.  With more than 20 years of mortgage experience and a thorough knowledge of mortgage lending throughout all fifty states, I can help you find a loan that meets your financial needs and get you to closing on time.

 

Whether you are referring a client or you are a homebuyer, I am confident you will appreciate what my team can do for you.  We offer a wide range of loans and a variety of terms. And we are well prepared to handle everything from complex financial situations with larger loan sizes to the first time home buyer.

 

I will always be available to answer your questions throughout the mortgage process from beginning to end. So let's get started today.

970-310-4033

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Professional Loans
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Languages Spoken

  • English

Client Testimonials

Hear what my previous clients have to say about my work.

Jennifer P.
San Antonio, TX
“He was very fast at getting back to us right away! David took time to make sure we understood the whole process. Even working out of state! He was able to put our minds at ease. Would strongly recommend him.”
Grant C.
San Antonio, TX
“David was great, he made sure I understood the buying process and made this process as smooth as possible. He was very flexible with my budget and I couldn't be happier that he was my lender! ”
Jacob G.
San Antonio, TX
“David worked hard and we achieved an agressive closing timeline with tight time constraints. Great communicator, took calls and questions any time. Very helpful staff also.”
Corey S.
Longmont, CO
“David and his assistant went above and beyond. From the start, they made the loan process simple and were great to work with. He was very thorough, and diligent. He will be my go to loan officer for future loans. ”
Jeanie J.
Sacramento, CA
“I am new to all this mortgage stuff, however I was extremely lucky to have been connected to David Harding. He was patient with my lack of knowledge and silly questions. He helped everything to stay on time. He is not exclusive to Colorado.”
Debbie G.
Phoenix, AZ
“David went above and beyond to assist us with navigating the mortgage process. We purchased a foreclosure property, which added to the complexity of the process. David made a point of explaining not only the steps, but the reasons each step was necessary.”
Robert U.
Oakland, CA
“David Harding did an excellent job in doing my complicated house financing in a very rushed, short time frame. He really knows his stuff and figured out a good way to do things. The process was very easy to follow, and I got excellent rates.”
Michelle G.
Bayfield, CO
“David was great. I was initially worried to use a lender that wasn't local, but he made the process easy and was incredibly helpful! We had quite a few hiccups along the way and he worked through each of them to ensure we could close as planned.”
Sara M.
Greeley, CO
“David made everything simple for us, even though our loan was not the easiest to get approved. He was flexible in meeting with us, and thorough and going through all of our options. He didn't give up when our original application did not go through.”
Jeremiah R.
Loveland, CO
“David help my wife and I arrange the loan to our first home and made it an absolute breeze. His knowledge of the loan process was impressively vast and made it very easy to understand and walked us through answering every question we had. Thank you David!”
Mary B.
Loveland, CO
“David was great to work with. Helped us get our first home. He was easy to work with, knew what he was talking about, talked to us like people and not just clients, and looked for ways to help us along every step of the way.”

What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

Use left and right arrows to navigate between tabs.

STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator

Learn More About Mortgages

There's much more to purchasing or refinancing a home than an interest rate. View our blog and get home ownership tips and more.
David Harding, (NMLS ID 386055)

David Harding

Sr Loan Officer

NMLS ID: 386055

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

400 East Horsetooth Road, Suite 300

Fort Collins, CO 80525

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Today's Rate

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1Rate as of 10/22/2021 10:17 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,030. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 10/22/2021 10:17 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,584. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  10/22/2021 10:17 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $967. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

David Harding, (NMLS ID 386055)

David Harding

Sr Loan Officer

NMLS ID: 386055