Mortgage Loan Options with Competitive Rates

We firmly believe that the best way to handle mortgages is for the borrower to be actively involved in the process every step of the way. From choosing between loan programs to understanding negotiating terms, we're here to help you with anything you need.

Below are some of the most commonly utilized loan programs we offer...

Conventional Loans Click to open answer

As one of the most popular mortgages, the conventional loan has a wide variety of options to fit your specific needs.

  • Low interest rates and fees

  • Flexible minimum down payment options

  • Availability for purchase or refinance

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FHA Loans Click to open answer

With features like homeownership workshops and available down payment assistance*, FHA loans are perfect for:

  • First-time homebuyers

  • Low-to-moderate income families

  • Buyers looking for a low down payment

See how an FHA loan can put your homeownership goals within reach.

*First lien interest rates may be higher when using a DPA second.

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VA Loans Click to open answer

VA loans offer flexible, sustainable terms for military personnel, veterans, and military families. 

  • No down payment required*

  • Government-backed, so no PMI required

  • Competitive rates & easy pre-qualification

*Closing costs and fees may still apply. VA home loan purchases, have options for 0% down payment, No private mortgage Insurance requirements, competitive interest rates, with specific qualification requirements. VA Interest rate reduction loans (IRRRL) are only for Veterans who currently have a VA loan, current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA Cash-out Refinances are available for Veterans with or without current VA loans. Policies and guidelines may vary and are subject to the individual borrower(s) qualification. Program and Lender overlays apply.

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USDA (Rural Housing) Loans Click to open answer

Designed for homebuyers wishing to purchase a home outside of densely populated areas.

  • No down payment required*

  • Not limited to first-time buyers

  • Qualify with a credit score as low as 620

*Closing costs and fees may still apply.

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CHFA (Colorado Housing and Finance Authority) Home Loans Click to open answer


The following are some of CHFA’s general home purchase and refinance loan program requirements:

  • All borrowers have a mid-credit score of 620 or higher

  • Total borrower income must not exceed CHFA’s income limits

  • Attend a CHFA-approved homebuyer education class (in person or online) prior to loan closing (purchase only)

  • Make a minimum required investment of at least $1,000 toward the purchase of the home

Down payment and/or closing cost assistance options:

  • Down Payment Assistance Grant *
    • Up to 3 percent of your first mortgage**
    • No repayment required
  • Second Mortgage Loan*
    • Up to 4 percent of your first mortgage**
    • Repayment of loan balance deferred until certain events, such as payoff of your first mortgage, or the sale or refinance of the home.

*First lien interest rates may be higher when using DPA second.
**For a 30-year, fixed-rate loan.

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metroDPA Down Payment Assistance Click to open answer


metroDPA is a local program serving Coloradans seeking affordable homeownership along the Front Range.

Down Payment Assistance*:

  • 30-year fixed-rate mortgages to qualified homebuyers and Government Loans:
    • FHA, VA, and USDA
    • Conventional Loans: Government-Sponsored Enterprise (GSE) Programs
  • Assistance up to 5% of the first mortgage loan amount
    • Assistance is in the form of a 3-year forgivable second mortgage
    • 0% interest rate, no repayment anticipated
    • USDA assistance is in the form of a grant

Who can use it?

  • Qualified borrowers with a credit score above 640 (down to 620 in some cases)…
  • Household income below $176,700/year 
  • Buying a home in an approved area
  • Must be primary residence and purchase only
  • No first-time homebuyer requirement
  • No purchase price requirement

*First lien interest rates may be higher when using DPA second. Closing costs and fees may still apply.

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Refinance Click to open answer

There are many types of home refinancing options, all designed to help you meet your financial goals faster.

  • Pay down or consolidate debt

  • Reduce monthly payment or interest rate

  • Get rid of private mortgage insurance (PMI)

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

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Bank Statement Loans Click to open answer

Our bank statement loans in Denver, Colorado Springs, and Fort Collins will help you qualify for refinancing or home purchase. It’s for those with a strong credit rating and solid history of financial responsibility who have been unsuccessful getting conventional home financing.

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Reverse Mortgage Click to open answer

A reverse mortgage, also called a Home Equity Conversion Mortgage (HECM), allows you to use the equity of your home as cash.

  • Borrower must be at least 62 years of age

  • Typically tax-free funds

  • No required monthly mortgage payment

This ad is not from HUD or FHA and was not approved by HUD or any government agency. 

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