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Your Mortgage

Right now, mortgage rates are near the lowest levels we have ever seen. That means there’s a good chance that we may be able to refinance your current mortgage into a lower rate and save you a meaningful amount of money each month.

Borrowers have recently been refinancing their home to:


  • Pay down or consolidate debt 

  • Reduce their monthly payment or interest rate

  • Get cash out for emergency reserves and non-emergency savings

  • Get rid of private mortgage insurance (PMI)

  • Pay for classes to learn a new skill

We’d love to help you meet your goals. Act now while rates are low!

Phil Gustte
Mortgage Loan Originator

NMLS# 134328

Cell: (720) 841-0196


Get Started

Refinance Tips During the Pandemic

We've been doing an excellent job of processing transactions under the current conditions, but it’s more important than ever to help the process along by being well prepared.  


Here are a few tips to help your transaction move ahead more smoothly and help you save money more quickly: 

  • Continue making regular mortgage payments during the process

  • Do not take on any new debts 

  • If your income or employment changes during the process, notify your lender right away

  • Know that the appraiser may have to come into your home, so be prepared for this

  • And most importantly, quickly respond with all documentation that is being requested of you

The Best Mortgage Company in Colorado is

*When it comes to refinancing your home loan, you can generally reduce your monthly payment amount; however, total finance charges may be higher over the life of your mortgage loan.

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63 Inverness Dr E # 250, Englewood, CO 80112

Office: (303) 740-8300 | Fax: (303) 740-8304


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Security First Financial is a division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS ID# 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Colorado – Regulated by the Division of Real Estate, UCCC #987701-016. Arizona – Arizona Department of Financial Institutions 0902614. Massachusetts – Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094.

Your opinion is greatly appreciated, we thank you for visiting this website of Primary Residential Mortgage, Inc. If you have specific questions, comments, concerns, or complaints we invite you to contact us by the email shown here: Emails received during business hours should receive a response within 48 hours, excluding weekends or holidays.


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