Find the Right Loan for Your Situation
We work with multiple wholesale lenders to match you with the best rate, terms, and program for your goals. Here's what we offer.
Conventional Loans
The most common mortgage in America, and usually the best overall value for buyers with solid credit. Conventional loans offer the widest range of term lengths, property types, and down payment amounts. Once you hit 20% equity, mortgage insurance drops off entirely.
We have access to the full conventional lineup, including Fannie Mae HomeReady, Freddie Mac Home Possible, and high-balance options for pricier Colorado markets.
FHA Loans
Backed by the Federal Housing Administration, FHA loans are built for borrowers who may not meet conventional standards. Lower credit scores, thinner savings, higher debt-to-income ratios: FHA is one of the most accessible paths to homeownership, especially for first-time buyers.
The tradeoff is mandatory mortgage insurance for the life of the loan. But for many buyers, the math still works, especially compared to renting.
VA Loans
If you've served in the military, the VA loan is one of the most powerful mortgage benefits you've earned. Zero down payment, no private mortgage insurance, and typically lower rates than any other loan type.
Eligible borrowers include active-duty service members, veterans, National Guard and Reserve members, and certain surviving spouses. If you qualify, there is rarely a reason to use anything else for a primary residence.
Construction Loans
Building a new home requires financing that works differently from a standard purchase. Construction loans fund your build in stages as work progresses, then convert to a permanent mortgage once the project is complete. One loan, one closing, and a structure that keeps pace with your builder's timeline.
We work closely with architects, builders, and designers throughout the construction process to make sure the financing aligns with the build plan from the very first draw.
Renovation Loans
Sometimes the right home isn't move-in ready, or the home you already own needs serious work. Renovation loans let you roll the cost of improvements into your mortgage, so you can buy a fixer-upper or remodel without draining your savings or taking on a second loan.
We offer the full range of renovation programs, from minor cosmetic updates to major structural overhauls, across conventional, FHA, VA, and USDA loan types.
Jumbo Loans
When the home you want exceeds the conforming loan limit ($766,550 in most markets, higher in some Colorado counties), a jumbo loan fills the gap. These non-conforming mortgages have stricter qualification requirements, but with the right lender match we can secure competitive rates at higher loan amounts.
We work with multiple jumbo lenders offering fixed and adjustable-rate options, so you are not limited to what one bank offers.
More Ways We Can Help
Beyond our core programs, we have access to specialized loan options for unique situations.
Zero-down financing for homes in eligible rural and suburban areas. More of Colorado qualifies than you'd think. Income limits apply, but the terms are hard to beat.
0% down · 640+ credit · Streamline refi availableSelf-employed? Freelancer? Business owner who writes off everything? Bank statement loans use your actual deposits to qualify you instead of tax returns.
12/24 month statements · P&L only · 1099 · Asset utilizationBuying a rental? DSCR loans qualify based on the property's rental income, not your personal income. Available for long-term and short-term rentals.
Cash flow based · No personal income docs · Airbnb eligibleAccess your home's equity as a revolving credit line without refinancing your existing mortgage. Great for renovations, debt consolidation, or keeping a reserve in place.
Standalone or second-lien · Keep your current rateColorado offers several programs with grants or second-lien assistance to help cover your down payment and closing costs. We check eligibility during pre-approval.
FHA DPA Advantage · National FHA 100% · Colorado bond programsLower your rate for the first 1-3 years of your loan, then step up to the permanent rate. Useful when income is expected to grow or a seller is contributing to closing costs.
3-2-1, 2-1, and 1-0 structures availableNot Sure Which Loan Fits?
You don't need to know the difference between conventional and FHA before you reach out. That's literally our job. Tell us about your situation and we'll narrow it down to the programs that work for you.
Loan Program Questions
Yes. Many programs allow 3%, 3.5%, or even 0% down. The tradeoff is usually mortgage insurance, which we factor into your payment estimate so there are no surprises.
It depends on the loan. Conventional typically requires 620+, FHA 580+, and VA is more flexible. If your score is borderline, we'll tell you where you stand and what your real options are.
Absolutely. We offer bank statement, P&L, and 1099-based qualification for borrowers whose tax returns don't reflect their actual income. It's one of the most common situations we help with.
Yes. Pre-approval tells you exactly what you can afford, makes your offer stronger, and prevents you from falling in love with a house that's out of range. It's the smartest first step.
A rate lock guarantees your interest rate for a set period, usually 30 to 60 days. We'll advise on timing based on market conditions and your closing timeline.
Renovation loans combine the cost of buying (or refinancing) a home with the cost of improving it into a single mortgage. The lender funds the renovation in stages as work is completed, and the loan is based on the projected after-renovation value. We coordinate with contractors and appraisers throughout.
FHA is more forgiving on credit scores and debt ratios, but requires mortgage insurance for the life of the loan. Conventional has slightly stricter standards, but mortgage insurance drops off at 20% equity. Which one is better depends on your credit, down payment, and how long you plan to keep the loan. We run both side by side so you can see the real difference.