Conventional Loans
The most common home loan, with flexible terms and down payments as low as 3% for some buyers.
Key Features
- Down payments from 3% to 20%+
- Mortgage insurance can be removed
- Primary, second home or investment
Loan Programs
I separate myself from others by offering exceptional service and a broad selection of home financing options. Learn about the different types of home loans available below.
Purchase Loans
Financing for your first home, next home or second home.
FHA Loans
Government-insured loans with low down payments and more flexible credit guidelines.
Key Features
- 3.5% minimum down payment
- Flexible credit guidelines
- Gift funds allowed
VA Loans
A benefit you earned. Zero down payment options and no monthly mortgage insurance.
Key Features
- Possible $0 down
- No monthly mortgage insurance
- Competitive rates
USDA Loans
Zero down payment loans for eligible homes in qualifying rural and suburban areas.
Key Features
- Possible $0 down
- Lower mortgage insurance
- Many NoCo areas may qualify
Jumbo Loans
Financing above conforming loan limits for higher-priced Northern Colorado homes.
Key Features
- Loan amounts above conforming limits
- Fixed and adjustable options
- Primary and second homes
Fixed Rate Mortgage
One interest rate and a predictable principal and interest payment for the life of the loan.
Key Features
- 15, 20, 25 or 30-year terms
- Payment stability
- Easy to budget
Adjustable-Rate Mortgage (ARM)
A lower starting rate for a set period, then adjusts based on the market.
Key Features
- Fixed intro period (5, 7 or 10 years)
- Rate caps limit changes
- Often lower starting payment
2-1 Buydown Loan
A temporarily lower rate for the first two years, often paid for by the seller or builder.
Key Features
- Lower payment in years 1 and 2
- Often funded by seller concessions
- Then a fixed note rate
FHA 203k Loan
Buy a home and finance repairs or renovations in one loan.
Key Features
- Purchase plus renovation in one loan
- Low down payment
- Limited and standard options
Down Payment Assistance
Colorado programs that can help with your down payment and closing costs.
Key Features
- Grants or second mortgages
- Can pair with FHA, VA, USDA or conventional
- Statewide and local options
Self-Employed Loan
Options that look at how business owners really earn, including bank statement loans.
Key Features
- Bank statement income options
- 1099 and P&L programs
- Purchase or refinance
Non-QM Loan
Flexible financing for situations that don't fit standard guidelines.
Key Features
- Alternative income documentation
- DSCR investor loans
- Recent credit events considered
Refinance & Equity
Put the home you already own to work.
Mortgage Refinance
Replace your current loan to change your rate, term or payment.
Key Features
- Rate-and-term options
- Shorten or extend your term
- Remove mortgage insurance
Cash Out Refinance
Turn some of your home equity into cash for what matters to you.
Key Features
- Access equity in one lump sum
- Consolidate higher-interest debt
- Fund improvements or tuition
HELOC
A line of credit against your home's equity that you draw from when you need it.
Key Features
- Keep your current first mortgage
- Borrow only what you need
- Interest-only draw periods available
Reverse Mortgage
For homeowners 62+. A loan that lets you use part of your home's equity in retirement. The balance grows over time.
Key Features
- No required monthly mortgage payment*
- You keep title to your home
- HUD counseling required
*Borrowers must pay property taxes, insurance and maintenance.
Discuss This Option: Reverse MortgageNot Sure Which Loan Is Right For You?
Let's talk about your situation and find the right mortgage solution together.
NMLS #172296 | Licensed in Colorado