Mortgage Loan Options

Home Loan Options That Fit You

Your home financing needs are unique, which is why The Nick Barta Team at Security First Financial offers a large number of popular loan products to choose from - including down payment assistance loans.

When you work with us, it’s easy to customize a loan that suits your goals, whether you’re buying your first home or upgrading to your forever home. Get started with Nick Barta and his team today!

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

Down Payment & Closing Cost Assistance for Colorado Homebuyers

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 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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FHA Home Loans Click to open answer

Homeownership could be closer than you think. Our FHA loan programs are created for buyers like you who are ready to take the next step in life.

With features like homeownership workshops and available down payment assistance, government-backed FHA home loans are perfect for:

  • First-time homebuyers

  • Low-to-moderate income families

  • Buyers looking for a low down payment

  • Buyers with higher debt-to-income ratios


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Conventional Loans Click to open answer

Conventional loans offer affordable rates and flexible down payment options.

  • Low interest rates and fees

  • Low down payment options

  • Mortgage insurance requirement depends on the down payment amount

  • Available for purchases or refinances

This loan program poses fewer hurdles than other mortgages, so you could close faster.

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VA Home Loans Click to open answer

VA home loans* offer flexible, sustainable terms, allowing you to purchase your first home even if you have limited savings. And with several refinancing options, you can turn your home equity into cash and reduce your monthly mortgage payment.

Features of our VA Home Loans:

  • 100% financing available with no down payment*

  • Government-backed, so no private mortgage insurance required

  • Competitive rates, a greater degree of safety, and optimal flexibility

  • Easier qualification requirements compared to other home loans

  • Financing for veterans, active service members, and select military spouses

*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) Home Loans Click to open answer

USDA loans are government-insured loans that help people purchase homes in rural areas. These loans are often available with low or no down payment.*

USDA Program Features

  • No down payment required*

  • Minimum credit score of 620

  • Lower mortgage insurance fees than Conventional or FHA

  • Ideal for low and moderate-income households

  • 15-year and 30-year fixed mortgage interest rates

  • Financing for existing homes, new construction, or foreclosures

  • Income flexibilities for homes in USDA-eligible areas

*Closing costs and fees may still apply.

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Jumbo Home Loans Click to open answer

These loans have higher loan limits that help you purchase high-value property. Low down payments are possible.

With loans as high as $2,000,000, our new Jumbo loan program features:

  • Qualifying credit scores as low as 700

  • Low down payment options

  • Financing for primary residences, second homes, and investment properties

  • Options for first-time homebuyers

  • Cash-out refinances with up to $350,000 back

† Limited availability in some areas.

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