Denver Colorado Mortgage

Denver, Colorado

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Stone Creek Mortgage assists home buyers with mortgages. Seeking a mortgage lender licensed in Colorado and operating in Denver? Stone Creek Mortgage is the right Colorado Loan originator to choose in Denver. Denver is home to one of the fastest growing metropolitan cities in the country.

Please contact us for your next mortgage, whether you need today’s rates, or someone to help with your FHA or VA mortgage, call us and we’ll explain your options.

 

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HISTORY

The city of Denver was founded in November 1858 and this year is celebrating 150 years. Denver started out as a mining town during the Pikes Peak Gold Rush in the formerly known western Kansas Territory. That summer in 1858, a small group of prospectors from Georgia crossed the Great Plains and discovered gold at the base of the Rocky Mountains. Even though there was very little gold discovered, just the idea that there was gold in the area created a virtual stampede of prospectors to the region.

By the spring of 1859, Montana City on one side of the South Platte River was established but settlers changed the name to Auraria, named after the gold mining town of Auraria, Georgia. On the other side of the South Platte River the city of Denver, named after James W. Denver, was also established. This led to tensions between the cities and near bloodshed. Horace Greeley described the rapidly growing metropolis as a “log city of 150 dwellings, not three-fourths completed nor two-thirds inhabited, nor one-third fit to be.” Finally, at a torch-lit meeting on the bridge over Cherry Creek and for the price of a barrel of whiskey, all other names were dropped and the settlement was finally called Denver.

Soon after a huge gold strike was discovered in the nearby mountain town of Central City. Fortune seekers quickly packed up and headed to the hills leaving Denver nearly deserted. Gradually, people returned to Denver because of the harsh weather conditions in the mountains and soon learned a better way to make their fortune. The city of Denver enjoyed a mild, year-round climate and was accessible for pioneers traveling to the west. The city of Denver began growing as a trade center. The location was accessible to existing trails and near the South Platte River where seasonal camps of the Cheyenne and Arapaho Indians lived.

The first towns sprang up on the site of Confluence Park in downtown Denver. Denver city was a frontier town with an economic base servicing local miners with gambling saloons, livestock and goods trading. Land parcels in and around Denver were often traded for grubstakes or gambled away by miners.

The Colorado Territory was established in February 1861and the city of Denver was incorporated in November 1861. Denver served as the Arapahoe County Seat from 1861 until 1902 and became Denver County and the Territorial Capital. In August 1876 when Colorado was admitted to the Union, Denver became the State Capital.

The city of Denver faced many challenges during those early years. A great fire burned much of Denver’s business district to the ground in 1863. The following year, a flash flood swept down Cherry Creek, killing 20 people and causing a million dollars in damage. Shortly after that, an Indian war broke out, cutting stage stations and supply lines and leaving Denver with just six weeks of food.

When the Union Pacific Railroad decided to bypass Colorado on its transcontinental route, the folks of Denver raised $300,000 to build their own railroad to meet the Union Pacific in Cheyenne, Wyoming. Soon after, the Kansas Pacific Railroad crossed the plains to Denver. When a major silver strike was found in Leadville, Denver once again became a boomtown.

During the Civil War, a Confederate army from Texas marched into the state to seize the gold fields. Denver gathered a volunteer army, who were not very well trained and were badly outnumbered. However, they did manage to defeat the Rebels from Texas at the Battle of Glorita Pass and saved the state of Colorado for the Union. After the Civil War, the all Black military units known as the Buffalo Soldiers were stationed in and around Denver.

Between 1880-1895 the city experienced a huge rise in city corruption. Crime bosses, such as Soapy Smith, worked with elected officials and the police to control the elections, gambling and the bunko gangs. However, in 1887, the United Way was formed in Denver by local religious leaders who raised funds and coordinated various charities to help Denver’s poor. By 1890, Denver had grown to be the second largest city west of Omaha. But in early 1900 dropped to third place behind San Francisco and Los Angeles.

In 1901 the Colorado General Assembly voted to split Arapahoe County area to a new consolidated City and County of Denver, Adams County and the remainding land to Arapahoe County. The City and County of Denver was officially a county in 1902.

Denver served as host to the 1908 Democratic National Convention. This promoted the city’s status on the national political and socio-economic stage. The 2008 Democratic Convention is scheduled to be held in Denver at the Pepsi Center. This newly built arena in Denver hosts the city’s professional basketball team, the Nuggets, and professional hockey team, the Avalanche, as well as other concert events held from time to time.

Many famous people called Denver their home. Buffalo Bill Cody spent time in Denver during the Wild West days. His museum and grave is at the top of Lookout Mountain where you can see the beautiful Denver valley and Front Range.

Neal Cassidy, icon of the “Beat Generation” of the 1950s and the psychedelic movement of the 1960s, was raised on Larimer Street in Denver. Perhaps best known for being characterized as Dean Moriarty in Jack Kerouac’s classic “On the Road” a story of experiences in Denver during a road trip.

The 1976 Winter Olympics selected Denver as the host city. Since this was Colorado’s centennial celebration the governor of Colorado thought it would be a great way to celebrate and showcase Denver. However, Colorado voters struck down a ballot initiative allocating public funds to pay for the high costs of the games. The voters were also concerned about the environmental impact it would have on the area. That year the Olympics were held in Innsbruck, Austria.

Historically, Denver has been known as the “Queen City of the Plains” because of its important role it plays in the agricultural industry of the plains regions along the foothills of the Front Range. Today, the city of Denver is a growing and thriving metropolis with an international airport (DIA) and is considered as a central hub for commerce, high tech, biosciences and world famous hospitals.

 

STATISTICS

Denver is known as the “Mile High City” because its official elevation is 5,280 feet or 1 mile above sea level. Denver is the capital of Colorado and located in the South Platte River Valley on the High Plains east of the Front Range of the Southern Rocky Mountains. Denver’s downtown district is located immediately east of the confluence of Cherry Creek with the South Platte River.

According to the US Census Bureau, Denver has a total area of 154.9 square miles of which 1.6square miles or 1.03%, is water. The City and County of Denver is surrounded by Adams County to the north and east, Araphoe County to the south and east and Jefferson County to the west.

In July 2007 the US Census Bureau estimated the population of the City of Denver was 588,349 making it the 26the most populous U.S. city. However, the 10-county Denver-Aurora Metropolitan Statistical Area estimated the population to be 2,464,866 and ranked Denver as the 21st most populous U. S. metropolitan statistical area. Denver claims to have the 10th largest central business district in the United States.

Denver enjoys a semi-arid climate and has four distinct seasons. Located on the Great Plains the weather of the city and surrounding area is heavily influenced by the Rocky Mountains to the west. The climate, while generally mild compared to the mountains to the west and the plains further east, can be very unpredictable. Measurable amounts of snow have fallen in the Denver area as late as early June and as early as September.

The average temperature in Denver is 50.1 孝 and the average yearly precipitation is 15.81 inches. The season’s first snowfall generally occurs around October 19th and the last snowfall is about April 27th. The average snow accumulation for the year is 54.9 inches. The sun shines approximately 300 days each year.

 

HOUSING

There are 250,906 households in the city of Denver. The average household size is 2.27 and the average family size is 3.14. The median age is 33 years. The median income for a household in the city is $39,500, and the median income for a family is $48,195. The per capita income for the city is $24,101. 14.3% of the population and 10.6% of families are below the poverty line.

The city of Denver has the perfect blend of outdoor adventure and urban sophistication. The snowcapped peaks provide a spectacular backdrop to the city of Denver. Denver is a place where aerospace engineers rub elbows with rock climbers at local brewpubs, at art festivals, or while strolling through their favorite pedestrian mall.

The City Denver has defined 79 official neighborhoods. These “neighborhoods” are not the cities or suburbs that surround the metro area. The neighborhoods’ character vary significantly from each other and include everything from large skyscrapers, twentieth century houses to modern, suburan style developments. Generally, the neighborhoods closest to the city center are denser, older and made of brick building material. Many neighborhoods away from the city center were developed after World War II and built with more modern materials and style. Some of the neighborhoods even further from the city center. Some areas are recently redeveloped parcels and have either very suburban characteristics or new urbanist development that attempts to recreate the feel of older neighborhoods. Most neighborhoods contain parks or other features that are the focal point for the neighborhood. If you have a property in Denver that you would like to have redeveloped, Contact Englewood. 

Some of the well-known neighborhoods include the historic and trendy LoDo, short for “Lower Downtown;” the city’s Union Station neighborhood; Capitol Hill; Highland; Washington Park; Uptown; part of the North Capitol Hill; Curtis Park; part of the Five Points; Alamo Placita; the northern part of the Speer neighborhood; Park Hill; and Golden Triangle in the Civic Center.

If you are considering moving to Denver, Colorado and looking to finance a new or used home, call us at Englewood Home Loans. We have helped thousands of people for over 14 years get loans for homes in Denver. Even if you are unable to obtain conventional financing on any property in Denver, Stone Creek Mortgage can find the right financing for you. We have funded loans within 2 weeks of the initial request and will find you the right solution for your home mortgage loan.

 

TOP 5 ATTRACTIONS

Denver Art Museum located at 100 W 14th Avenue Pkwy, Denver, phone 720 865 5000 near Civic Center Park is a private, non-profit, educational resource for Colorado. Founded in the 1890s as the Denver Artists’ Club, the Denver Art Museum has had a number of temporary homes, from the public library and a downtown mansion to a portion of the Denver City and County Building.

Today, the 356,000-square-foot museum complex includes collection gallery space, three temporary exhibition venues, and the Lewis I. Sharp Auditorium. In addition to its art collections, the Denver Art Museum is internationally recognized as a family-friendly environment. It has received critical acclaim for encouraging art appreciation through interactive activities.

Denver Botanic Gardens located at 1005 York St, Denver, phone 720 865 3500, is only 10 minutes east of downtown Denver and one mile north of Cherry Creek Shopping Center. You’ll love visiting this gorgeous garden showcasing a wide range of gardens and collections that illustrate an ever-widening diversity of plants from all corners of the world. The distinctive garden collections define and celebrate Western culture as well as its unique high altitude climate and geography. Many of the innovative gardens are models of drought-tolerance and showcase native and adapted plants that thrive in Western gardens.

Denver Museum of Nature and Science located at 2001 Colorado Blvd, Denver, phone 303 322 7009, is the Rocky Mountain Region’s leading resource for informal science education. Offering a variety of exhibitions, programs and activities, Museum visitors experience the natural wonders of Colorado, earth, and the universe. Exciting programs include Anthropology, Geology, Health Science, Paleontology, Space Science and Zoology. Don’t miss out on the fascinating movies shown at the IMAX theater in the Denver Museum of Nature and Science.

Denver Performing Arts Complex located at 950 13th St., Denver, phone 303 640 2862, was founded in 1972 with a mission to create excellence in the arts. The Denver Center for the Performing Arts (DCPA) showcases live theatre that provides a nurturing ground for new plays. DCPA is also a preferred stop on the Broadway touring circuit and offers an award-winning multi-media production facility. Great Broadway plays like “Mamma Mia!” or “A Chorus Line” are just some of the plays you can see at DCPA.

Denver Zoo located at 3477 E 36th Ave., Denver, phone 303 376 4800 is home to nearly 4,000 animals representing over 700 species. The Denver Zoo spans 80 acres within Denver’s historic City Park and has over 1.6 million visitors annually. The Zoo offers naturalistic habitats like the new Predator Ridge, Tropical Discovery, Primate Panorama and the Dragons of Komodo exhibit. The Zoo enhances the lives of some of the world’s most endangered species. Considered as one of the most popular zoos in the U.S. the Denver Zoo was home to the most two famous twin polar bear cubs – Klondike and Snow.

 

PARKS SYSTEM

Back in 1858, the city of Denver was little more than a dusty collection of buildings on a long, grassy plain with a few cottonwood and willow trees along the riverbanks. Now Denver has over 200 parks, from small mini-parks all over the city to the giant 330 acre City Park. City Park is located in east-central Denver and houses the Denver Zoo, The Denver Museum of Nature and Science, Ferril and Duck Lakes and a boathouse. North of City Park is the City Park Golf course.

Washington Park is located in south central Denver bordered by Virginia Avenue on the north, Downing Street on the west, Louisiana Avenue on the south and Franklin street on the east. Washington Park covers 165 acres that includes several trails, including one that goes around the perimeter of the park, tennis courts, a lawn bowling/croquet field, two playgrounds, informal soccer fields and picnic areas. A recreation center with an indoor pool, free weights and other athletic facilities is also located in the park. You can enjoy some quiet fishing time at Smith Lake or even rent a boat for a leisurely boat ride across the lake. The park is also known for its flower gardens filled with 54 flower beds in an informal arrangement. One garden is an exact replica of Martha Washington’s garden at Mt. Vernon.

Cheesman Park located at 1177 Race St, and is bordered by East Colfax, Josephine Street, Downing Street and E. 8th Ave. This lovely 80-acre park has a ghostly history dating back to the 19th century. Murderers, thieves, outlaws, vagrants and paupers were buried in the Park. Tales of hacking bodies and putting them all together in one grave still are told today. However, the park offers more than just ghostly tales. There are easy walking trails within the park that take you past historic residential neighborhoods. Enjoy seeing elegant mansions along relatively quiet city streets lined with tall, shade trees. These homes used to belong to Denver’s elite who came from flourishing mining-related industries, transportation companies and real estate transactions.

Lowry is a fantastic Denver neighborhood, born from an abandoned Air Force base located on the border of Denver and Aurora. This area of luxury homes, retail, town homes and condominiums has won national awards for it’s master plan and the market has certainly shown us that Denverites agree wholeheartedly.

 

SCHOOLS

The first school in Denver was a log cabin back in 1859 located on the corner of 12th Street between Market and Larimer Streets. TodayDenver Public Schools (DPS) located at 900 Grant St., Denver, phone 720 423 3200, Web site http://www.dpsk12.org is the public school system in Denver. Currently there are 73,000 students in 73 elementary schools, 15 Kindergarten through 8th grade, 17 middle schools, 14 high schools, and 19 charter schools.

University of Denver located at 2199 S. University Blvd, Denver, phone 303 871 2000, Web site http://www.du.edu/ is the oldest and largest private university in Denver, Colorado.

Auraria Higher Education Center is home of Community College of Denver, Metropolitan State College of Denver and University of Colorado of Denver, located at 900 Auraria Pkwy, Denver, phone(303 556 3276, Web site http://www.ahec.edu/.

Regis University located at 3333 Regis Boulevard, Denver, phone 303 458 4126, toll free number 1.800.568.8932, Web sitehttp://www.regis.edu/ today has more than 16,000 students in three of its schools – Regis College, the Rueckert-Hartman College for Health Professions and the College for Professional Studies. Regis offers campus-based classes as well as online programs.

 

TOP BANKS

Wells Fargo
401 Pearl Street
Denver, CO 80203
Phone: 303 863 5536

Wells Fargo
3910 Buchtel Blvd
Denver, CO 80210
Phone: 303 584 6530

Wells Fargo -Tech Center
400 S. Colorado Blvd
Denver, CO 80246
Phone: 303 320 6943

Wells Fargo 
1601 Blake Street
Denver, CO 80202
Phone: 303 861 8811

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TOP EMPLOYERS

The biggest retail food chain store in Colorado is King Soopers located at 65 Tejon St., Denver, phone 303 778 3100, employs 10,741 people in the state. Along the Front Range the stores are known as King Soopers and in the mountain and rural communities are known as City Market. Fresh produce from the farming communities in Colorado are sold at their stores along with other grocery items. Recently, Colorado State Legislatures passed a bill that allows Sunday liquor store sales to begin in July 2008.

AT&T Communications Products and Services located at 1875 E. Lawrence St., Denver, phone 303 298 6327, employs 8,200 people. This telecommunication company offers major phone and DSL lines and voice communications throughout Colorado.

Denver RTD located at 1600 Blake St., Denver, phone 303 299 6000, employs 2,520 people and 1,063 private contractors that service 2.6 million people throughout 40 municipalities in 6 counties plus 2 city/county jurisdictions within 2,331 square miles.

State and Federal Government employs thousands of workers in the Denver Metro area. From the Internal Revenue Service located at 600 17th Street, Denver, phone 303 446 1675, U.S. Department of Labor, Employment Standards Administration, Denver District Office located at 1999 Broadway, Suite 2435, Denver, phone 720 264 3231, to state government services. Denver is the capitol of Colorado and houses the State Legislature building and Governor’s office.

Wells Fargo Bank is one of the largest banking systems in Colorado. In the early 1950’s and 1960’s Colorado was known as the banking capital of the country. More banks were located in the Denver area and services both business and personal accounts. Today there are over 150 Wells Fargo banks throughout Colorado. For More Information about banks,www.checkratesnow.com banking, cd’s and loans.

Qwest Communications located at 1801 California St., Denver, phone: 800-899-7780 is a leading provider of voice, video and data services across America and the world. For over a hundred years, homes and businesses have relied on Qwest Communications.

 

LINKS

Xcel Energy
24-hour Electric and Gas Emergency Contacts:
Electric Emergency/Power Outage
1-800-895-1999
Gas Emergency/Gas Odor
1-800-895-2999
Web site: http://www.xcelenergy.com/

City of Denver
Phone: 720 865 9000
Web site: http://www.denvergov.org/

Denver City Police
1331 Cherokee St.
Denver, CO 80204
Phone: 720 913 2000
Web site: http://www.denvergov.org/

Denver Sheriff Department
1570 Grove Street,
Denver, CO 80204
Phone: Phone: 720 913 3390
Web site: http://www.denvergov.org/
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Denver Fire Department
Web site: http://www.denvergov.org/

Qwest Communications
2626 W Evans Ave
Denver, CO 80219-5506
Phone: 303 778 4392
Web site: http://www.qwest.com/

Denver Water
1600 W. 12th Ave.
Denver, CO 80204
Phone: 303 628 6000
Web site: www.denverwater.org

 

SHOPPING MALLS

16th Street Mall is downtown Denver’s retail centerpiece. This 16 block long pedestrian mall with free transportation is located in Lower Downtown (LoDo) starting at Broadway and ending at Wynkoop Street. Along the way you will find exciting retail stores, excellent restaraunts, office buildings, residential units and hotels. In 2006 the 16th Street Mall was ranked number one in metro tourist attractions.

Denver Pavilions located at 500 16th Street, Denver, phone 303 260 6000 hosts over 50 shops and restaurants. The Denver Pavilions is an open air mall and located on the 16th Street Mall. The Mall features popular retail stores such as Banana Republic, Victoria’s Secret, and Forever 21. Boutiques, bars, movie theater and a bowling alley round out the fun atrractions here.

Cherry Creek Shopping Center located at 3000 East First Avenue Denver, CO, phone 303 388 3900 is THE shopping mall to visit. Offering brand-name retail stores such as Macy’s, Neiman Marcus and Saks Fifth Avenue. You’ll also find tasty restaurants and even a movie theater.

 

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