COFED Bank: Colorado Federal Savings Bank is a direct lender of home loans. It was founded in 1990 as a federally chartered financial institution and we are authorized to provide home loans nationwide. Our branch also brokers loans aswell as funding loans in house. This provides maximum resources to our clients. Our Kapolei branch of Cofedbank is independantely owned and operated.

-Working with all Veterans including active military (I pay all non allowable fees and still offer no points options, also with no closings cost option)

-Investors (High LTVs) Including Condotels

-Refinances (done in as little or less than 2 weeks)

-First time home buyers

-I also do MCC (which can also be combined with VA)

-Commercial Loans! Hawaii Commercial loans and all 50 states including DC!:

$100K to $25 million loan amounts nationwide. No Appraisal Cost. Apartments 5+ Units, Mixed Use, MH Parks, Office Buildings, Office Condo, Medical Condo, Medical Buildings, Light Industrial, Retail, and Warehouse. 75% LTV's with 30 year amortizations.

$400K to $10 million nationwide commercial loan amounts for Apartments or 5+ contiguous residential properties, Mixed Use, MHP, Office, Retail, Office Condo, Lt. Industrial, Warehouse and Self Storage available in all 50 States. 80% LTV purchase and refinance with 30 year amortization and interest only programs.

Other Commercial Products:

Acquisition and Development

Leisure Properties

Land Loans

Bridge Loans

Hard Money

Construction Loans

Take out loans

SBA Loans

SBA Alternative

"I have worked with dozens of lenders over the years, and was recently introduced to Joe Schmitz at Colorado Federal Savings Bank.  I was absolutely amazed at how well Joe communicated to me, the escrow officer, underwriting and the buyer during the entire loan process. I will definitely recommend Joe to my buyers and fellow agents."

Beth Saunders

RE/MAX Honolulu

"Although my company provides service to other than veterans, as my company's name implies, active duty and former military members make up a large portion of our client base.  Therefore, we remain keenly interested in working with competent and efficient VA Lenders. Joe Schmitz, who works at providing VA eligible buyers mortgage loans through Colorado Federal Savings Bank, is a Loan Officer I can recommend as the right guy for arranging VA Loans.  Joe pays VA "unallowable fees" and offers no discount points options on all VA Loans.  He even has a no closing cost option.  In other words, Joe strives to achieve the no-out-of-pocket-expense scenario for his VA Loan eligible clients.Yes, Joe does other loans, too.  And he does them right!  Besides being a dedicated professional, he's as prompt, personable, knowledgeable, confident and assuring as you'd want the Loan Officer serving your Buyer clients to be.  I'm pleased to have Joe Schmitz on my team."

Dwight "Dee-Jay" Hayes, Realtor®, MSBIS

President & Principal Broker

Veterans Realty Inc.

"My Clients had been struggling with a different loan officer at another company and were near to losing the deal when we switched to Joe Schmitz at Colorado Federal Savings Bank and he literally saved the day! The loan was processed in three weeks and the entire transaction was handled very promptly and professionally by Joe Schmitz and the staff at Colorado Federal. Joe maintained continual communication with me of the progress and would even "cc" me when communicating with escrow.  I and my clients are thoroughly pleased with the excellent service we received.  (And my Client's children love their new home.  Thanks Joe!)"

Helen Riley (R)

Kapolei Realty, Inc.