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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.

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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.

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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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Renovation Loans Click to open answer

Whether you already own a home or you’re in the market to buy one, a renovation loan can give you options.

  • Flexible minimum down payment options

  • Qualify with a credit score as low as 620 

  • One loan to purchase home and renovate

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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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Jumbo Loans Click to open answer

These jumbo loan programs offer the opportunities you deserve and the flexibility you need.

We have a wide selection of jumbo loan programs to meet your specific needs.

High Loan Limit

We offer jumbo loans with limits as high as $4 million.

  • Qualify with a credit score as low as 660
  • Foreign borrowers allowed
  • Gifts permitted

Alternative Qualification

Not all borrowers have a traditional W-2. That’s why we offer programs that let you qualify for home financing with bank statements or a 1099.

  • Qualify using bank statements
  • Qualify with a credit score as low as 660
  • Eligible properties: Primary residence, second homes and investment properties

Investor Programs

Investing in property? We have programs designed specifically for you.

  • Qualify with a credit score as low as 660
  • Qualify with rental property income
  • Loan limits as high as $3 million

We’re here to make big dreams come true. Apply Now to find out which program is right for you.

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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.

You can use a refinance to shorten your repayment term and pay off your mortgage faster, consolidate debt into one payment, or take cash out of your equity to pay for an exciting new chapter in your life.

Refinancing Can Help You...

  • Pay down or consolidate debt

  • Get cash for bills, repairs, or a remodel

  • Get rid of private mortgage insurance (PMI)

  • Reduce your monthly payment or interest rate

  • Pay for classes to learn a new skill

  • Pay for a memorable family vacation

*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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FHA Streamline Refinance Click to open answer

If you have an FHA-insured mortgage loan and are looking to lower your payments, refinancing has never been this easy. With our FHA Streamline program, you can refinance your mortgage without the hassle of endless paperwork or an appraisal.

  • Lower your interest rate

  • Lower your monthly payment, and

  • Skip the appraisal

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

CHFA Participating Lender
 

Down Payment Assistance Grant*:

  • Up to 3% of your first mortgage**

  • No repayment required

Second Mortgage Loan*: 

  • Up to 4% 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. 

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

No Down Payment Disclaimer: Closing cost and fees may still apply. Down Payment Assistance Disclaimer: First lien interest rates may be higher when using DPA second. * Higher interest rates apply **For a 30-year, fixed-rate loan

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metroDPA Down Payment Assistance Click to open answer

metroDPA Down Payment Assistance Logo

What is metroDPA?

metroDPA is a down payment assistance* program for low and moderate-income individuals and families located in and around the Denver Metro Area.

They offer up to 6% of the loan amount to Colorado home buyers to put towards their down payment and closing costs.

Advantages of metroDPA

  • Great low rates

  • Household income limit of $150,000

  • Assistance is in the form of a 3-year forgivable second mortgage

  • No first-time homebuyer requirement

  • Large program area (List of eligible areas below)

General metroDPA Program Requirements

  • FHA, VA, USDA, and Conventional home loans

  • Qualify with a minimum credit score of 660 for FHA, USDA, VA (Minimum 640 credit score for Conventional)

  • Homebuyer education course required - HUD-approved or CHFA

  • Must be the principal residence

Eligible metroDPA Areas

 

Cities and Towns: Arvada, Aurora, Bennett, Berthoud, Boulder, Brighton, Broomfield, Castle Rock, Centennial, Commerce City, Dacono, Deer Trail, Denver, Edgewater, Englewood, Erie, Evans, Federal Heights, Firestone, Fort Collins, Frederick, Golden, Greeley, Highlands Ranch, Keensburg, Lakewood, Littleton, Lochbuie, Lone Tree, Longmont, Mead, Northglenn, Parker, Platteville, Sheridan, Superior, Thornton, Watkins, Westminster, Wheat Ridge

Counties: Adams County, Arapahoe County, Boulder County, Broomfield County, Denver County, Douglas County, Jefferson County, Larimer County

Counties are for the unincorporated area outside of city limits.

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

 

Security First Financial, a Division of PRMI, is an approved metroDPA Lender

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